梅州月经来怎么调理(梅州什么时候做微管人流) (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

Message from Ron Paul: "I am doing fine. Thank you for your concern." pic.twitter.com/aALmLn8xIj— Ron Paul (@RonPaul) September 25, 2020 144

Max Booth is from Redondo Beach and was excited to go to Maine for a summer camp for the second year. This year, that didn’t happen because of coronavirus, leaving Max at home. Then, his grandparents stepped in to save the day.Tim and Joy Booth live in Pacific Beach and said right around when Max found out he would be staying home for the summer, beaches and public places in their area started opening up, so they took advantage and planned a substitute summer camp for the 10-year-old.“It gave us real happiness to figure out how to make something that was at least a little bit similar to what he might have had,” said Joy.The trio spent the last week exploring the San Diego area, completing a long list of activities like cutting wood and barbecuing at a park, going to the beach, playing at a water park, practicing archery, hiking and observing nature, completing a junior park ranger program at the Cabrillo Monument and more. They even took the time to give back to the community, spending a day shoveling sand off of steps in Pacific Beach. They said a police officer and surfer stopped to thank them, the surfer adding that he had slipped on those steps because of the built-up sand.“We swept the stairs because we wanted to help people not get any injuries from slipping on the sand,” said Max.The week may have been different than a typical summer camp, but all three said they had the best time."I would just like to say thank you for being my parents and thank you for doing all this stuff for me," said Max."You’re welcome, Max. We love you," responded Tim and Joy. 1591

Many schools across the country have put brand new cleaning and disinfecting procedures in place to welcome students back during the coronavirus pandemic. With Election Day, some schools prepared to welcome a new group of people: voters."We are the third district in the state of Kentucky. We are 15 minutes outside of Cincinnati so we are the southern suburb of Cincinnati, so we have 25 schools in Northern Kentucky in this district which, for 7 of them, almost one-third are being used as polling places," said Barbara Brady with Boone County Schools.Boone County Schools prepped four high schools, two middle schools and one elementary school so voters could cast their ballots. A number of school districts nationwide will be doing the same, at a time when protecting students and the public from COVID-19 is a priority."Before, after and during. The spaces used are the gymnasiums so obviously it's a big open space. They’ll be cleaned and sanitized as they normally are even during school so it’ll be before, during and after because the kids will be back in school the next day," said Brady.Boone County Schools and the county government will split the cost of a custodian to disinfect the polling area. In Madison, Wisconsin, City Clerk Maribeth Witzel-Behl is providing each polling place, which includes schools, with a stipend to help with added cleaning costs. In Madison, poll workers will also help sanitize throughout the day."We did want to acknowledge that these facilities are stepping up and opening their doors to voters in the midst of a pandemic and will have some extra expenses because of that community commitment that they're making," said Witzel-Behl."There'll be hand sanitizer, cleaning wipes, anything that anyone wants to use that’s in there while they’re voting, as well. So, they’ll at least have something to use if they feel someone just touched this instrument or table that I touched, they’ll have the option to use hand sanitizer or some antibacterial wipes," said Brady.Brady says there was also a school resource officer on hand to ensure proper procedures were followed. 2120

Mardi Gras is more than just king cakes and beads, it is a religious holiday. a season of traditions that we celebrate every year, a time that the community comes together in formal, fun, and often unexpected ways. pic.twitter.com/uI6rX06R5B— The City Of New Orleans (@CityOfNOLA) November 17, 2020 306

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