江西智能型网络多媒体儿童胸腹部检查教学系统(学生机)(江西高级人体气管插管训练模型) (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

NASA has long been able to check out Mars on the ground with rovers and landers and from far above with orbital spacecraft. Now, it wants to prove that it can sustainably fly around the planet's thin atmosphere at low altitude -- with a tiny helicopter.NASA announced Friday it will send the Mars Helicopter to the Red Planet with the previously announced Mars 2020 rover, set to launch in two years from Florida.The hope is that aircraft like this one -- flying mechanical scouts -- will eventually give scientists another vantage point from which to observe Mars.The helicopter will be mankind's first attempt to fly a heavier-than-air craft -- think helicopter or airplane -- in an atmosphere other than Earth's, the space agency said.Its mission will be to take five test flights after it lands with the rover in February 2021. 839

Mourners gathered Thursday night in Washington's Dupont Circle to remember the gay college student whose murder changed the way we think about hate crimes, and call attention to the battles that remain.It's been 20 years since Matthew Shepard was robbed, pistol-whipped and tied to a fence by two men he met in a bar in Laramie, Wyoming. He was left in the freezing cold overnight, and a cyclist who thought he was a scarecrow discovered him. He later died in a hospital.Shepard's ashes will be interred Friday at the Washington National Cathedral -- the only place where his parents felt they would be safe from desecration.His death galvanized the LGBTQ civil rights movement, leading to the Matthew Shepard and James Byrd Jr. Hate Crimes Prevention Act, also named for a black man who was killed by three white supremacists in Texas.Speakers at Thursday's candlelight vigil told those in attendance that the fight continues for equal rights and treatment for the LGBTQ community, especially transgender and gender-nonconforming people.The world is a different place than it was when Shepard was killed, said Rev. V. Gene Robinson, who will carry his ashes and preside over Friday's service."But the kind of hatred and violence that killed Matthew Shephard is alive and well and living in this country," Robinson told CNN affiliate WJLA."We've grown more likely to label some people 'other' and treat them horribly. ... Every good person I know needs to stand up and say that's not who we are," Robinson said.Several speakers drew attention to the plight of transgender and gender-nonconforming people, who are protected under the hate crimes act, but have lost other protections under the Trump administration.With the din of traffic humming in the background, one speaker read aloud the names of 28 transgender people killed in 2018."Today, we can change our gender marker on our IDs but we can lose our lives on the streets of these cities simply by someone finding out that we are transgender," another speaker said.A recent New York Times report of an administration proposal to exclude transgender people from anti-discrimination laws stoked fears of more losses. Robinson, the first openly gay bishop in the Episcopal Church, called on the gay community to stand with transgender people in their fight for legal protections from discrimination."We can't just say the 'T' at the other end of the initials and not do the hard work of getting to know them and love them and then stand with them," he said. 2534

Movie mogul and businessman Tyler Perry has joined another elite list: billionaire. Forbes Magazine reports Perry is officially worth one billion dollars.This puts Perry in the same group of billionaires with Oprah Winfrey, George Lucas and Steven Spielberg.Forbes says Perry owns the rights to all 22 of his movies, which have grossed nearly a billion dollars to date. He also owns more than 1,200 TV episodes, about two dozen plays and a studio lot in Atlanta.“I mostly go on my gut and my instinct. I like to challenge the system and see what I can do differently,” Perry told Forbes recently for a piece on his billionaire status.Perry was once homeless, and grew up in poverty in New Orleans. “I love when people say you come from ‘humble beginnings,’ ” he told Forbes. “[It] means you were poor as hell.”In early August, Tyler Perry Studios completed filming season 2 of “Sistas,” a comedy-drama on BET. The studio reported over the 11 days of filming this summer, there were more than 300 people on site and no one got sick while there, according to CNN.The Atlanta-area studio is currently shooting another series, “The Oval.” 1142

Moderna says that it will file for Emergency Use Authorization for its COVID-19 vaccine candidate after a primary efficacy analysis showed it to be 94% effective in preventing the virus.In a press release on Monday, Moderna said that a primary efficacy study of its vaccine candidate showed it to be 94% effective in preventing COVID-19 infection and that no participants who received the vaccine developed a severe case of the virus.According to Moderna's press release, of the 30,000 participants who took part in a Phase 3 trial, 196 have since contracted the virus. Of those participants, only 11 had received the vaccine — the other 185 had received a placebo. Only 30 people who took part in the trial have developed a severe case of the virus, all of whom received a placebo shot.The findings are consistent with efficacy figures released by Moderna just weeks ago. Moderna is the second U.S. company to seek Emergency Use Authorization for a COVID-19 vaccine. Pfizer submitted its application earlier this month.Like Pfizer's vaccine, the Moderna vaccine requires two shots that need to be taken 28 days apart. It also needs to be stored at ultra-cold temperatures before injection.Health experts say it is encouraging that there are multiple COVID-19 vaccine candidates that are nearing authorization, as the public will be less reliant on one vaccine in the unlikely event of safety issues.Experts like Dr. Anthony Fauci have said that there is a chance that some Americans in high-risk populations could begin receiving the vaccine in the coming weeks. However, COVID-19 vaccines won't be available for widespread use until the spring.Moderna's vaccine was funded in part by country singer Dolly Parton, who donated million to COVID-19 research at Vanderbilt University earlier this year. 1810

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