中山便血价格多少(中山痔疮开刀需要休息多久) (今日更新中)

Millions of homeowners could still benefit from refinancing their mortgages to get a lower interest rate. This is true even after a federal regulator startled lenders by dictating a new fee that amounts to a tax on refinancing.Many could save by refinancingMortgage rates began falling in the spring, as the potential economic impact of the COVID-19 pandemic dawned on financial markets, and declined into summer. The average rate on the 30-year fixed-rate mortgage has lingered around 3% APR in much of August, according to NerdWallet’s daily survey, and the 15-year fixed-rate loan has averaged under 3%.Low refinance rates ignited a refinancing boom, accounting for more than 60% of mortgage applications most weeks this summer. Still, plenty of potential refinancers remain. When the 30-year mortgage rate is 3%, almost 18 million homeowners could reduce their interest rate at least 0.75% by refinancing, according to mortgage analytics company Black Knight. The average potential refinance savings: almost 0 a month.Fee could diminish refi savings for someA new fee on refinance transactions could reduce borrowers’ monthly savings, though. The “adverse market refinance fee” was stealthily announced Aug. 12 by Fannie Mae and Freddie Mac, the government-sponsored companies that bought and securitized 47% of mortgages at the beginning of 2020.Freddie attributed the fee to “COVID-19 related economic and market uncertainty.” Fannie used similar wording, without mentioning the disease.The fee is a 0.5% charge on conventional refinances. It amounts to a half-of-a-percent sales tax on refinancing. In the first week of August, the average amount of a conventional refinance was about 4,000, according to the Mortgage Bankers Association. On a refinance for that amount, the fee would be ,620.Some refinancers won’t have to pay. The fee applies only to conventional, conforming mortgages, which means that it doesn’t apply to those who refinance government home loans. Jumbo loans are also exempt.Lenders can pass along the fee to borrowers in several ways: including it in the refinance closing costs, adding it to the loan amount or increasing the interest rate. A 0.5% fee typically would translate into a rate increase of 0.125% or less.New fee targets less-risky borrowersFannie and Freddie claimed that the fee was driven by market uncertainty, but it was levied on refinances, not purchase loans. Refinances generally carry less risk than purchases, so charging more for refis is like setting a higher auto insurance premium for a mom with a clean driving record than for her 16-year-old son.So it’s a mystery why an “adverse market” charge was added to lower-risk loans.Another enigma is who imposed the fee. Fannie and Freddie made the announcement at night, hours after their headquarters closed; the Federal Housing Finance Agency, which closely oversees the companies, made no public comment. David H. Stevens, a former commissioner of the Federal Housing Administration, pointed at the FHFA, tweeting that the agency, Fannie and Freddie “are essentially providing [refinancing homeowners] the middle finger…”Why refis pose less risk than purchase loansTo refinance, borrowers need to demonstrate that they’ve been paying on time. And most people refinance to get lower monthly payments. It’s safe to assume that dependable borrowers decrease their risk of default when they reduce their payments. In contrast, purchase loans are a step into the unknown.The fee will be charged on refi loans that Fannie and Freddie buy on or after Sept. 1. Typically, a few weeks pass between a loan’s closing and its sale to Fannie or Freddie. That time lag means the fee increase applies to most conventional refinancers who had not locked their rate and fees by Aug. 12, when the fee was announced.There’s a chance that the fee could be rescinded. On Aug. 13, a senior White House official told the Wall Street Journal that the administration “has serious concerns with this action, and is reviewing it.” But the FHFA is an independent agency and can act without White House approval.More reasons to refinanceA modest fee doesn’t have to stop anyone from refinancing. There are other reasons to refinance besides monthly savings:Repay the loan faster. By refinancing a 30-year mortgage to a 15-year loan, a borrower can save thousands of dollars over the life of the loan by paying interest for a shorter period.Stop paying mortgage insurance. Refinancing is a way to get rid of mortgage insurance, whether it’s an FHA loan insured by the Federal Housing Administration or private mortgage insurance on a conventional loan.Extract equity. Some homeowners refinance for more than they owe and take the difference in cash in what’s called a cash-out refinance. The money can go toward home improvements or other uses.More From NerdWalletHow and why to refinance your mortgageHow to get rid of private mortgage insuranceHow to get the lowest refinance rateHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 5063

Michael Cohen, the longtime personal attorney for President Donald Trump, filed court papers Wednesday indicating he would assert his Fifth Amendment rights against self-incrimination regarding his involvement in a hush money deal involving porn star Stormy Daniels and the President.Cohen cited FBI raids of his residence, office and hotel room and the seizure of "various electronic devices and documents in my possession," in his filing in US District Court in Los Angeles."Based upon the advice of counsel, I will assert my Fifth Amendment rights in connection with all proceedings in this case due to the ongoing criminal investigation by the FBI and US Attorney for the Southern District of New York," Cohen said.Cohen filed the declaration as part of an effort to have a civil lawsuit filed by Daniels put on hold. The judge in that case said last week that he needed to hear from Cohen directly before deciding on that request.Michael Avenatti, Daniels' attorney, called Cohen's declaration "a stunning development.""Never before in our nation's history has the attorney for the sitting President invoked the 5th Amend in connection with issues surrounding the President," Avenatti tweeted. "It is esp. stunning seeing as MC served as the 'fixer' for Mr. Trump for over 10 yrs. #basta."Avenatti told CNN that Cohen invoking the Fifth Amendment only strengthens their case against him."The fact finder -- whether it be a jury or a judge -- can find what is called a negative inference and what that means is that you can presume that if the witness answered the question instead of invoking his Fifth Amendment right that the answer would incriminate him that it would not be positive for him or her and that's a very serious matter," Avenatti said on CNN's "Erin Burnett OutFront."The judge in the Los Angeles case, S. James Otero, is tasked with determining whether there is a substantial overlap between the FBI raids in New York and the civil case before him in which Daniels is seeking to void an agreement in which Cohen paid her 0,000 to remain silent about an alleged sexual encounter with Trump a decade before his presidency, in 2006. The White House has said Trump denies the affair.Since Cohen and his lawyers are requesting the stay in the case, Otero said last week that the burden is on them to show a large overlap between the two matters.The "conundrum," the judge said, is that "the scope and breadth of the criminal investigation remain a mystery.Otero said in court last week that he was not privy to the affidavit for the New York searches, but that he'd reviewed the docket of proceedings in federal court in that jurisdiction.He said "common sense" told him the decision to conduct a raid on an attorney for the President of the United States' lawyer signaled "a significant and serious matter.""You're going to make sure that it's more than just a bare-bones case," Otero added. "It's probably substantially likely that there's some sort of criminal action to follow."Cohen and his attorney, Brent Blakely, have argued that the Daniels civil case should ultimately be sent to private arbitration. 3138

MEXICO CITY (AP) — Authorities in the western Mexico state of Jalisco say they believe three film students missing since last month were killed and dissolved in acid.The Jalisco Attorney General's Office says two men have been arrested and there are arrest orders for four others in the case.The students were abducted March 19 on the outskirts of Guadalajara after working on a film project for school at a location that was apparently being watched by members of the Jalisco New Generation cartel.Authorities said at a news conference Monday that the students were taken to another location where one was beaten to death. Then the other two were killed.Prosecutors say the bodies were taken to a third location, where investigators believe they were dissolved in sulfuric acid. 787

Men may have a harder time maintaining friendships during the pandemic.Experts say it’s because social distancing guidelines have forced men out of their normal ways of communicating.“Men tend to construct their friendships on a shoulder-to-shoulder basis and women tend to use a face-to-face basis, so guys will get together and do things, like sports, going to the sports bar, activities,” said University of Maryland Professor Geoffrey Greif, author of the book “Buddy System: Understanding Male Friendships.”Greif says it's rare for men to reach out to each other just to talk. Men tend to be more cautious about how much they share.They'll also only ask to do something together so many times before the invitation is returned.“We're just not socialized to feel comfortable. We don't want to seem like we are stalking another guy for a friendship. Men don't want to appear too emotionally needy,” said Greif.There are some activities that we can still do while social distancing.Greif says you can also try getting together over Zoom to watch sports or play a game.Recognize it's not going to be as good as in person, but keep in mind that eventually the pandemic will end. 1186

Marilyn Manson collapsed on stage during a concert in The Woodlands, Texas on Saturday. The musician was at The Cynthia Woods Mitchell Pavilion in the Houston metro area for the "Twins of Evil — The Second Coming" tour with Rob Zombie.Manson complained of "heat poisoning" before the third song in his set list, according to a fan's video on YouTube. Photographers had also been told prior to the show that Manson wasn't feeling ill and didn't want his photo to be taken during the concert, the Houston Press reported.In video footage from the concert Manson can be seen belting out his fourth song of the night, "Sweet Dreams," before falling over.The rock star came back for one more song before canceling the rest of his set. He later tweeted he was being seen by doctors but didn't elaborate on his condition or symptoms. 863

来源：资阳报