濮阳东方医院好吗濮阳东方医院做人流好,濮阳东方医院男科价格正规,濮阳东方妇科医院做人流价格收费低,濮阳东方妇科医院收费高不高,濮阳东方医院看阳痿技术很不错,濮阳东方医院治疗早泄口碑很好价格低,濮阳东方医院男科价格合理

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

REDMOND, Wash. (AP) — Microsoft is buying the company behind popular video games The Elder Scrolls, Doom and Fallout. The software giant said Monday that it is paying .5 billion for ZeniMax Media, the parent company of video game publisher Bethesda Softworks. Microsoft said it is buying Bethesda in part to beef up its Xbox Game Pass game subscription service, which it says has over 15 million subscribers. Bethesda games, such as Starfield, which is currently in development, will launch on Xbox Game Pass the same day they launch on Xbox or computers. Microsoft has new consoles debuting on Nov. 10, the Xbox Series X and stripped down Series S version. 667

RANDLEMAN, NC (WGHP) -- Police found a malnourished 5-year-old girl locked in a small closet under a stairway at a home in Randleman, according to a press release.On Sept. 12, Randleman police conducted a welfare check for a child at a home in the 200 block of Back Street. Officers were told the child was being physically and mentally abused.Officers went to the home in an effort to locate the little girl. Upon arrival, they found no vehicles in the driveway and it appeared no one was there.Officers knocked on the door and received no response, so they began calling the child's name. Once they began yelling, they received a response.They first asked the child if she was OK and the girl replied with "no." Officers then asked if she needed help and she replied, "yes."Officers then made entry through a front porch window and found the child locked in a two-foot by four-foot closet under a stairway. She had no food or water and appeared to be extremely malnourished with burns, scratches, and bruises all over her body.The 5-year-old was taken from the home by a daycare employee. She was taken to Randolph Hospital and transferred to Brenner's Children's Hospital.She is currently in the custody of the Randolph County Department of Social Services.As a result, Adam Joshua Byrd, who is the child's father, and Crystal Dawn Carnahan, who is a child caretaker, were arrested.Byrd is charged with assault with a deadly weapon serious injury, intentional child abuse serious physical injury and negligent child abuse serious physical injury.Carnahan is charged with assault with deadly weapon serious injury, intentional child abuse serious physical injury and negligent child abuse serious physical injury.Both were taken to the Randolph County Jail on a 0,000 secured bond. 1794

Prince Harry has asked his older brother Prince William, the Duke of Cambridge, to be his best man at his wedding to Meghan Markle next month, Kensington Palace announced Thursday.The Palace said that Prince William is "honoured to have been asked, and is very much looking forward to supporting his brother at St George's Chapel, Windsor on May 19th."Harry served as best man to William at his wedding to Kate Middleton in 2011 and it was widely expected that the Duke would play the same role for his younger sibling this year. But speaking about the upcoming nuptials in January, William joked that his brother had not asked him yet. 644

Prince Harry opened the fourth annual Invictus Games in style on Friday afternoon, climbing Australia's iconic Sydney Harbour Bridge along with a number of veterans and competitors from the upcoming event.Dressed in a black shirt with the logo of the sporting event he helped to kick-start in 2014, the British royal ascended the 13-meter (439 foot) high landmark in beautifully sunny weather, accompanied by Australia's Prime Minister Scott Morrison.It will be the fourth time the annual games have been held. The Invictus Games are a multi-sport event specifically held for wounded or disabled veterans to participate in. 631