南昌临淄区治精神病比较好的医院南昌抑郁好的治疗方法,南昌那个医院有治疗失眠症,南昌第十二医院大夫专业嘛,南昌治抑郁的技术哪个效果好,南昌去哪个医院躁狂症比较好,南昌抑郁哪个医院能看好,南昌抑郁不治疗后果怎样

Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

President-elect Joe Biden says he won’t immediately lift tariffs placed by President Donald Trump on many imports from China or break Trump’s initial trade deal.Biden says he wants to maximize his leverage in future talks with the United States’ geopolitical rival.Speaking to New York Times columnist Thomas Friedman, Biden said, “I’m not going to make any immediate moves, and the same applies to the tariffs.” Biden adds in Friedman’s column published Wednesday: “I’m not going to prejudice my options.”Under Trump, the U.S. and China engaged in a yearlong trade war that has been largely frozen since a Phase One deal was reached in January. While some industries have benefited from Trump’s protectionist policies, the policies have been largely panned by the business community and most experts — and most of the cost of tariffs has been borne by American businesses and consumers.Biden tells Friedman an early priority after his January swearing-in will be to restore relationships with allies to strengthen his negotiating position with China. Biden says key to talks with China is “leverage” and in his view “we don’t have it yet.” 1148

RAMONA, Calif. (CNS) - A teenage boy was fatally struck by a pickup truck while riding a skateboard on a residential road in the San Diego Country Estates neighborhood of Ramona, authorities said Wednesday.The fatality occurred around 7:20 p.m. Tuesday on Barona Mesa Road near La Plata Court, in a neighborhood south of San Vicente Road, California Highway Patrol Officer Jeff Christy said.Two teenage boys were riding skateboards to the east in the eastbound lane of Barona Mesa Road and another teen was riding a bicycle eastbound in the westbound lane, Christy said. He said that when a 20-year-old Ramona man driving a 2001 Ford F-150 eastbound on Barona Mesa Road came around a left-hand curve in the road, the front of the truck one of the boys, who was riding his skateboard in the middle of the eastbound lane.The driver stopped immediately and began rendering medical aid to the victim, the officer said. Medical personnel also responded, but the youth was pronounced dead at the scene. His name was withheld pending family notification.Intoxication was not a factor in the crash, Christy said. 1112

President-elect Joe Biden announced on Wednesday his first significant staff decision since being projected as the winner of last week’s presidential election.Biden chose longtime aide Ron Klain to be the White House chief of staff come January. According to the Biden campaign, Klain served as a senior adviser to the Biden for President campaign. Klain was previously Biden’s chief of staff as vice president.Klain also took on a number of roles within the Democratic administrations, including serving as the White House Ebola response coordinator in 2014 and 2015 under President Barack Obama.Previously, Klain was a key figure in the Clinton administration, serving as Vice President Al Gore’s chief of staff and a counselor to Attorney General Janet Reno.“Ron has been invaluable to me over the many years that we have worked together, including as we rescued the American economy from one of the worst downturns in our history in 2009 and later overcame a daunting public health emergency in 2014,” Biden said in a statement. “His deep, varied experience and capacity to work with people all across the political spectrum is precisely what I need in a White House chief of staff as we confront this moment of crisis and bring our country together again.”Biden is expected to begin announcing members of his cabinet in the coming weeks. 1350

President Trump is planning to meet with the family of Spc. Vanessa Guillen on July 29 prior to the #IamVanessaGuillen bill being released.The family is planning to introduce the bill to Congress on July 30. The family will also hold a press conference.The family says the bill would protect soldiers to make sure what happened to Spc. Guillen doesn't happen again.Spc. Guillen's remains were found last week near the Leon River in Texas.The soldier went missing from Fort Hood back in April.Her family believes Vanessa was sexually harassed by Spc. Aaron Robinson. Fort Hood officials say Robinson was the military suspect and died by suicide.Cecily Anne Aguilar, a civilian, was arrested and charged in connection to Vanessa's disappearance. KXXV first reported this story. 783