池州市古拉拉美甲加盟电话多少钱天水市发下美甲加盟电话多少钱,乌鲁木齐市美颜馆美甲加盟电话多少钱,信阳市尤米美甲加盟电话多少钱,咸阳市优田美甲加盟电话多少钱,长沙市色妆美甲加盟店电话多少钱,阳江市自助美甲加盟电话多少钱,无锡市0元美甲加盟电话多少钱

The interest rate on the 30-year fixed-rate mortgage remained near record lows in June and is likely to stay there in July.The 30-year fixed averaged 3.33% APR in the first four weeks of June, a smidgen lower than the 3.37% average APR in May and 3.36% in April. June’s rate average was the lowest in the four-year history of NerdWallet’s daily rate survey.A mission to reduce ratesMortgage rates were remarkably anchored from April through June after the Federal Reserve intervened to stabilize rates and push them down.But the Fed’s intervention hasn’t been entirely successful: Although mortgage rates have been remarkably stable, they’re stuck at a higher-than-expected level. To put it more bluntly, rates should be lower.Since March, the central bank has bought billions of dollars’ worth of Treasurys and mortgage bonds “to sustain smooth market functioning, thereby fostering effective transmission of monetary policy to broader financial conditions,” as the Fed explained in a June 10 statement.Dissecting that short passage:The Fed is saying that its goal is to push interest rates, including mortgage rates, lower. That’s what “transmission of monetary policy to broader financial conditions” means.It’s trying to accomplish that goal by buying Treasurys and mortgage bonds to calm and stabilize those markets. Stabilizing markets is a method, not the goal.? MORE: How mortgage rates are determinedFed failed to make a bigger splashThe Fed has succeeded in calming the waters. That’s why there were ripples, not waves, in fixed mortgage rates from April through June. But it has only partially succeeded in its goal to push interest rates lower. For the Fed to declare victory in “fostering effective transmission of monetary policy to broader financial conditions,” mortgage rates would have to fall another half a percentage point or so.With its intervention, the Fed decreased Treasury yields and mortgage rates. But the results are unequal: Since January, the 10-year Treasury yield has fallen a little over one percentage point, while the 30-year mortgage has fallen about half a percentage point. Normally, the two would fall roughly the same amount.Rates slow to sync with TreasurysWhy haven’t mortgage rates fallen further? You might guess that lenders are keeping rates elevated to offset the risk of mortgages going into default during the COVID-19 recession. But mortgage rates tend to fall during recessions.? MORE: What COVID-19 means for mortgage ratesMaybe mortgage servicers, the companies that collect monthly payments and work with past-due borrowers, want to be paid for the increased risk they bear, and it’s translating to higher rates. Maybe an undetected economic force keeps a floor on mortgage rates, preventing the 30-year fixed from falling below 3% and lingering there.A more plausible theory is that mortgage rates will follow historical patterns and shamble lower until they’ve fallen roughly the same as Treasury yields. That’s the conclusion that Bill Emmons, economist for the Federal Reserve Bank of St. Louis, makes in a paper titled “Why Haven’t Mortgage Rates Fallen Further?”Using history as a guide, Emmons writes, “we would expect a further decline in mortgage rates of perhaps 0.5 percentage points.” If he’s right, mortgage rates might drop in July.Don’t count on it, though. Not after these two months of stability; rates might continue to tread water.More From NerdWalletCompare current mortgage ratesHow much home can I afford?Buying or selling a home during the pandemicHolden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. 3623

The National Hockey League and players have reached a tentative deal to hold a 56-game season in 2021. The season would start Jan. 13. Deputy Commissioner Bill Daly confirmed the sides agreed, pending the approval of various executive boards. The NHL Players' Association's board is meeting Friday night to discuss, while the league's Board of Governors could vote on the plan soon. Approval from Canadian health officials is still needed before the NHL can go ahead with the season. Training camps for the seven non-playoff games would open Dec. 31 and then Jan. 3 for the other 24 teams."The biggest challenge is making sure that our players and supporting personnel are safe and healthy and making sure that we're not doing anything that puts the communities in which we're playing at risk either in terms of spreading COVID or taking medical resources, whether it's testing or vaccinations," Commissioner Gary Bettman said."We understand what is vitally important to each community and to the health and welfare of each community, and we don't want to do anything that would interfere with that. But everything that we're doing and working on with the Players' Association starts with keeping the players and the communities in which we play safe and healthy." 1272

The massive new Museum of the Bible opens just blocks from the U.S. Capitol in Washington, D.C. later this week.Measuring 430,000 square feet, the privately-funded, 0 million project houses over 2,800 artifacts going back to biblical times. And then there's the building's size and scope, which rivals some of the neighboring Smithsonian museums on the National Mall, and the top-floor view of the Capitol Dome."Some people think we're coming here to have an influence on Congress. Who doesn't come here to have an influence on Congress," said Steve Green, the chairman of the museum's board.As President of Hobby Lobby, Green has already made an impact in Washington and around the country when the Supreme Court in 2014 sided by a 5-4 vote with his company over the Obama Administration, ruling the Affordable Care Act's contraception mandate to be a violation of the family-owned, for-profit business' religious freedom.But Green says any influence the Museum of the Bible may have on members of Congress who come to view the exhibits is only a happy byproduct of the real reason why the museum found its way to its Washington location. According to Green, the museum's leadership selected the city for the capital's foot traffic, not politics, and executive director Tony Zeiss says their settling on a building so close to the Capitol "was simply coincidence." The museum, which opens Friday after seven years of planning, focuses on the history, stories, and impact of the Bible, and includes interactive features like a space re-creating Jesus's first-century village.But the museum doesn't shy away from American politics, either, with exhibits detailing the Bible's importance from 17th century Puritan settlers to the 20th century civil rights movement, and how the Bible was used to justify both pro- and anti-slavery stances that drove America into Civil War."We want people to see how it was used for the good, the bad, and the ugly," says Norm Conrad, the museum's curator for Americana and Biblical Imprints.If there's any lesson on today's politics and culture visitors should take away, the museum's leaders aren't telling. Their goal in Washington, they say, is to inspire people to read the Bible.  2248

The officer who fired the gunshots in a deadly swatting prank will not be charged as a Wichita, Kansas prosecutor ruled that the officer "acted reasonably," the Wichita Eagle reported on Thursday.Andrew Finch was killed on Dec. 28 after a prankster called the Wichita Police claiming that Finch was holding the caller hostage, and that multiple others had been shot. When police entered the home, they did not know at the time that the call was a prank. District Attorney Marc Bennett said Thursday that officers believed that Finch was reaching for a gun at the time of the shooting. Officers claimed that Finch was reaching for his waistband, and did not follow instructions to keep his hands up. "This shooting should not have happened," Bennett told the Wichita Eagle. "The officer's decision was made in the context of the false call."Finch was shot roughly 10 seconds after he opened the door. An autopsy confirmed that Finch was wounded by multiple bullet fragments, the Eagle reported. "The family's devastated and the family is disappointed by the decision of the district attorney today," Finch's family attorney told the Eagle. Andrew M. Stroth is representing the family in a federal civil rights lawsuit against the department.  1274

The Padres 0 million signing of All-Star infielder Manny Machado is bringing new hope for both longtime fans and businesses trying to survive near Petco Park. 'We got a big name star," said lifelong Padres fan Luke Peet. "We got a household name that's on our ballpark."News of Machado's signing broke Tuesday morning. Fans like Ernesto Ramirez came to Petco Park to buy tickets for opening day shortly after the box office opened. "Friends are excited," he said. "It's all over social media so I think it's going to be a big deal for the Padres this season."If the excitement over the Padres translates into more fans coming into the Petco Park gates, it could also help businesses in the East Village stay afloat. That's been a challenge these last few years in the high-rent area. There are vacant restaurants just steps from the ballpark's entrance. The Padres finishing in last place two of the last three seasons has also led to a dropoff in foot traffic. The team averaged nearly 27,000 fans per game in 2018, good for 18th in Major League Baseball, according to ESPN. "As the year goes on and they struggle, you definitely see a slowdown in the crowd and energy," said Erik Tesmer, a co-owner and manager of Basic Pizza, which has been in the East Village for 14 years. The Machado signing was already paying off for Basic. Tesmer said the Padres ordered 17 pies for delivery Tuesday because there was no time to go out for lunch. "The energy of a big name person - we've had them in the past over the years and you can definitely tell the difference," Tesmer said. Whether the difference lasts beyonds April and May will all depend on how the Padres perform on the field. 1692