梅州内切祛眼袋(梅州妇科附件炎症状) (今日更新中)

LOUISVILLE, Colo. – Colorado-based engineering company BDI performed structural monitoring in recent days during the moving of the bridge that collapsed Thursday at Florida International University.At least eight cars were smashed and nine people were transported to area hospitals when the bridge, which was only installed Saturday, collapsed onto the roadway below Thursday. Six people were killed.According to CNN, the .2 million bridge was designed to withstand Category 5 hurricanes and last for upwards of 100 years.After the bridge collapsed, BDI deleted a tweet that was sent March 12 in which the company touted its structural monitoring of the bridge while it was moved. But the tweet was captured by a Miami reporter before it was deleted. 761

Meghan Markle, the Duchess of Sussex, is expecting her first child with Prince Harry, the UK's royal family has announced.A statement from Kensington Palace said the baby is expected in the spring of 2019. Britain's Queen Elizabeth II will be the child's great-grandmother.The announcement comes five months after the couple were married in a starry ceremony at Windsor Castle. Harry and Meghan had just touched down in Australia for their first overseas tour as a married couple when the news broke.The tour coincides the third Invictus Games, an international sports competition Harry founded in 2014 for wounded veterans and members of the military, which kicks off Saturday. 686

LOVELAND RESERVOIR, Calif. (KGTV) - With Santa Ana winds in the forecast for Wednesday morning, Cal Fire stationed more than 500 firefighters in strategic spots to attack any hot spots that flared up in the Valley Fire burn area.The plan worked.Crews were able to recognize hot spot fires quickly and direct resources to fight them before early morning winds spread the flames across Lawson Valley.One flare-up started on a mountain peak just northeast of Loveland Reservoir. That area burned on Saturday, but Barona Fire Department Chief Ken Kremensky said embers stayed hot enough under the tree canopy to reignite Wednesday morning."The retardant coats the area," Kremensky explained. "But a lot of times in the heavier brush it lays along the top of the brush and it doesn't penetrate all the way the ground so there's hot stuff and it creeps in there. And once it creeps through the retardant, it gets into that open field starts to spread. If you get some wind on it and it picks up, you see the flame starting to show up."The fire was in a remote area that would take hand crews hours to reach. So, Cal Fire sent in a squad of helicopters.Helicopters from San Diego Gas & Electric, Cal Fire and the San Diego County Sheriff's Department took turns dousing the flames with water for nearly an hour, making multiple passes and filling up with water from the reservoir.After they left, military helicopters took over. By 11 a.m., the fire was mostly out."We'll just keep plugging away and hopefully the weather will cooperate with us and that'll be a good success," said Kremensky.Heavy winds never materialized, with gusts in the fire zone topping out at 30 miles an hour. Crews were able to handle several other hot spots that ignited and keep the flames within the fire perimeter.Kremensky said they were fortunate that the weather cooperated. 1862

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

Manufactured homes are making a comeback. Bloomberg reports since 2009, the homes have been on the rise. Many home buyers are turning to manufactured homes, because they are more affordable.Features that make them appealing to home buyers, include open floor plans, spacious kitchens and big bedrooms and bathrooms. “A lot of people are surprised when they come into our homes for the first time," says Phillip Dickson, with Clayton Homes. "It’s not what they are expecting.”However, there are a few things, aesthetically, that are different. There is a marriage line down the center of a manufactured home. When it’s assembled, it comes in two pieces. In recent years, Dickson says he’s seen an uptick in purchases. He says people are needing affordable housing in this competitive market. According to the National Association of Realtors, an average American home cost about 8,000. A starting price for a manufactured home, with no add-ons, can cost just ,000.When it comes to a manufactured home, there are many housing experts that say factory-built homes depreciate in value. However, Dickson says whether your home is manufactured or not, if you live in a great location, the value of your home will go up. Despite the value of a manufactured home, there are many buyers worried more about the home’s quality. But Dickson says the same requirements put in place for a site build home are still required for manufactured homes. Dickson hopes to break the stigma of how people view a manufactured home. He says if you’re looking to buy a home that you can customize, place where you want and keep it under budget, then a manufactured home might be your best choice.  1760

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