邯郸男性备孕检查的项目和费用(邯郸月经越来越少了是怎么回事) (今日更新中)

Main Street in Ellicott City, Maryland experienced flooding on Sunday reminiscent to a severe flood in July 2016. Shelters were made available for those effected and in need.The record flooding continued into Memorial Day, as reports of collapsed buildings and residents trapped were reported to emergency services. 353

MIAMI, Florida — (Update, 11:40 a.m. Eastern) Two vehicles and three bodies inside them were removed Saturday from the site of Thursday's pedestrian bridge collapse near Florida International University, Miami-Dade police Director Juan Perez said.Two more vehicles remain in the rubble, and crews hope to extract those vehicles in the next 12 hours, he said."It's going to be a long process," Perez said, "because (of) the ... weight and size of the structure that is laying on top of these vehicles." 509

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, President Donald Trump's former personal attorney, pleaded guilty in Manhattan federal court Tuesday to eight criminal counts, admitting that "in coordination and at the direction of a candidate for federal office" he acted to keep information that would have been harmful to the candidate and the campaign from becoming public during the 2016 election cycle.The charges against Cohen, an attorney for Trump until earlier this year and a member of his inner circle throughout his presidential campaign, bring an end to a months-long investigation by the US Attorney's Office for the Southern District of New York. And they expose, through the criminal information filed against Cohen in court, that he acted with Trump and his allies, including David Pecker, the CEO of the National Enquirer's publisher, American Media Inc., to suppress potentially damaging claims against the now-President.Though Trump himself isn't named, the court filing refers to an Individual-1, who by January 2017 had become president of the United States.The counts against Cohen included tax fraud, false statements to a bank and campaign finance violations tied to his work for Trump, including payments Cohen made or helped orchestrate that were designed to silence women who claimed affairs with the then-candidate. 1319

Michigan bars and restaurants must now collect names and phone numbers of customers for COVID-19 contact tracing under an extended epidemic order, the Michigan Department of Health and Human Services (MDHHS) announced today.Health officials said these are requirements and the businesses must operate under the rules to protect public health.The new provision was just one of the extensions of the epidemic order from the MDHHS aimed at helping contain the spread of the virus. Other extensions to the order include no more than 50 people at indoor gatherings without fixed seating, and no more than six people at seated tables at bars, restaurants, and indoor non-residential gatherings.The announcement from the MDHHS comes as Michigan continues to see a rise in cases and hospitalizations due to COVID-19.The state says there are currently 12 outbreaks in Michigan associated with bars or restaurants with currently active clusters up to 12 cases. Michigan presently has 172 cases per million people and positivity of tests has increased from about 2% to 5.5%, and both indicators have been increasing for over four weeks.This article was written by WXYZ. 1166

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