中山痣出血了(中山肛门边长肉球) (今日更新中)

Mortgage rates have been low for months, but currently, about 19 million homeowners who are eligible to refinance haven't cashed in.According to data analytics firm Black Knight, these homeowners have a credit score of 720 or more and at least 20% equity in their homes. They could save nearly 0 a month on average.A new survey by YouGov for Forbes Advisor found that 34% of homeowners say they’re not sure refinancing is worth it.A mortgage analyst at Forbes Advisor says one reason people may be hesitant is they don't want to deal with banks that are overloaded with applications right now.“Borrowers really need to advocate for themselves, so make sure that you call your lender if you haven't heard from them in over a week let’s say or just really stay on top of it and at the end of the day. If you're not getting the service that you want, there are many other lenders that would be happy to get your business,” said Natalie Campisi, Mortgage Analyst at Forbes Advisor.Another reason you should act now if you've been considering refinancing, is there's a new fee. It starts on December 1, but your loan may not be processed before then if you don't start the process now.“What you want to do is talk to your lender,” said Campisi. “If you decide to apply for a loan, ask them, say you know will you roll this fee into the cost of my loan, which some lenders are doing, and find out some lenders might be able to process your application before December 1.”Campisi says you can benefit the most from refinancing if you're not planning to move within the next few years. Also, if you have more than 10 years left on your mortgage.You also need to consider closing costs that can average around ,000. Most experts recommend you need to be saving at least 0 a month to make those costs worth it. 1816

More than 30 states are reporting increases in opioid related overdoses and those from other drugs during the pandemic, particularly involving fentanyl, according to the American Medical Association.The government has taken steps to curb deaths during the pandemic by allowing for more flexibility in prescribing medications for opioid use disorder and lifting other restrictions on pain medications.Meanwhile, the National Safety Council is calling on businesses to get ready for an increase in substance misuse in the workplace.“Employers not only have a responsibility, they have a call to arms here to make sure as they bring employees back to work, that they are directly addressing their mental health and providing them the resources that they need to be able to navigate,” said Lorraine Martin, President of the National Safety Council. “It’s just as important as the PPE and sanitization for hygiene that we will all need to have when we come back to work.”Martin recognizes mental health and substance misuse are often interconnected.Now, with the additional stress and unrest related to George Floyd’s death on top of COVID-19, people may be self-medicating even more.The National Safety Council put out resources and tools to help businesses help struggling employees, but they believe the most important thing leaders can do is talk about it.“The most mature companies are addressing this head on,” said Martin. “We know that substance misuse is a disease, not a decision, and if you can come at it with that attitude and make sure you create that safe space for your employees, that can make all the difference.”Not addressing substance misuse is a serious threat to worker safety and costs a lot of money in terms of productivity, absenteeism and workers compensation claims.On the other hand, employees that work through these issues with their employer often come out on the other side more loyal and productive. 1937

NASHVILLE, Tenn. — A spokesman with Metro Nashville Police Department (MNPD) says unless changes are made to the city’s pandemic plan, there’s very little officers can do to enforce mandates at a private residence.The party, which caught the attention of Chad Boseman and his friend Andy, happened across the street from their house on Fern Ave. in East Nashville Saturday evening.“There was just tons of everything. Whatever you can think of a party, just times 20,” Andy said.They weren’t sure what they were seeing at first when people began lining up at the door. All they knew was they wanted to see for themselves. They walked over to find a party with what they say was easily more than 200 people.“I’m still recovering from this night,” Andy said.Promoted as the big unveiling for The Fashion House intended for photoshoots, people showed up to snap pics and even get tattoos.Boseman and company say they were there from 11 P.M. to 3 A.M. before MNPD officers arrived. Boseman says once people noticed cars were being towed, people began to leave.When approached by reporters, one of the homeowners declined to comment.Later in the day, one person claiming to be a homeowner posted a Facebook message saying he contacted police beforehand, and there were no violations. The homeowner ended the statement with “nothing illegal was done or the police would have stopped it.”MNPD said officers wrote citations for those parked illegally in neighboring driveways, but they did not write any citations related to the coronavirus mask mandate.Metro Nashville Public Health says it is investigating but won’t say what rules may have been broken.Not that any of the neighbors we talked to were too concerned. For them, it was something they couldn’t miss and likely won’t forget any time soon.“I mean there’s the usual risk that you take when you’re around a group of people, just like getting trampled or something. But I didn’t see any concerns really. I was just there to have a good time,” Andy said.This story was originally published by Levi Ismail on WTVF in Nashville. 2084

Months into working from home, it’s time to check in with yourself. How is your work-life balance? Have you figured out when and how you work best? And when did you last shower?As work and home life meld, it’s difficult to maintain boundaries, stay productive and take care of your mental health amid the pandemic.Since work from home orders are likely to stick around for those lucky enough to do their jobs away from their workplace, now is a good opportunity to professionalize your work habits and find a sustainable setup for the coming months.Know yourself and work accordinglyYou may instinctively know when you’re at your peak performance and what conditions you need to achieve it. Some people are at their best right after they’ve had their morning coffee and settled in at a desk. Others might sleep in and then start work while still in bed.Clearly defining when and how you work best helps you set clear expectations for yourself and your colleagues.To understand when you’re most productive, career coach and entrepreneur Felecia Hatcher recommends conducting a time audit. Track your workday in 15-minute increments for one week. “A time audit is going to radically change your life personally, and then you get to showcase to your boss when your most productive times of day are,” Hatcher says.Keep track of your audit in a spreadsheet or a notebook, detailing meetings, lunch breaks, blocks of time dedicated to heads-down work, and stretches when you don’t get much done. This will reveal when you’re productive and when you might be better served taking a break, going for a walk or taking a power nap.Next, think about conditions that help you focus.Some need to sit in a specific spot to accomplish anything. Others might just need an internet connection, wherever that may be. Bari Tessler, a financial therapist who has worked from home for two decades, says that only you know how you work best.“Every day is different and you have to go with the flow,” says Tessler. “You just have to know who you are.” Ignore prescriptive guidance about not working from bed or getting dressed like you’re going into the office. Create the conditions you feel most comfortable with.Structure — and communicate — your balanceUse your insights about how and when you work best to flesh out your idea of work-life balance or something close to it. Then bring that plan to your colleagues for a candid conversation.“I always look at the equation of time, money, energy, family and health, and I make all my decisions from that,” Tessler says.Finding your personal balance might mean being more deliberate about what you’ve already been doing, or making changes.For example, if you found you’re not particularly productive during regular working hours, think of ways to mix it up. You might want to block out time midday to run errands or meditate. Or maybe you can work alternative hours, outside of the typical 9-to-5. This might be a necessity for parents as some school districts plan to start the school year with virtual learning.If you haven’t already, establish an ongoing dialogue with your manager and colleagues. Hatcher advises using what you learned during your evaluation to guide the conversation.“Structuring your time is about setting healthy boundaries personally and setting work boundaries,” Hatcher says. “And using what you learned from your time audit can help you have a data-driven conversation with your boss rather than anecdotal conversation.”You might have to make compromises, depending on job requirements, but you’ll be working from a good starting point.Give yourself a breakYou may have seen social media posts saying, “You’re not just working from home, you’re working from home in the middle of a global pandemic.” While that might come across as a little melodramatic, it’s true.Between managing personal and financial fears around the coronavirus pandemic and grappling with the national conversation around racial inequity, having to face your job as if everything is normal can be exhausting.Hatcher says: “Things are so weighty right now. … We’re so quick to say, ‘My life is falling apart but I gotta show up tomorrow,’ but no, don’t do that. Take a break.”If you’re feeling burned out by work or overwhelmed by the news, look into taking time off if your work situation allows. An internet-free staycation can help you unplug, center yourself and return to work refreshed.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletCan You Really Trust Your Payment App?Why You Might Not Want to Zero Out Every Credit CardWhat to Do When Your 0 Weekly Unemployment Check ExpiresSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 4777

My official statement on the presidential election: pic.twitter.com/F6AoS8lfhG— Governor Phil Scott (@GovPhilScott) November 7, 2020 140

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