濮阳东方医院治早泄价格不高(濮阳东方男科技术很好) (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

Many children are now schooling from home and their screen time is reaching pandemic proportions.Between online learning and self-isolation, school-aged kids that are homebound are inevitably spending more time with their digital screens. And doctors say students are paying a price, citing an uptick in everything from eye strain to migraines."I feel that a lot of kids today have more dry eye,” said Dr. Kim Le, Pediatric Ophthalmologist at Henry Ford Health System. “They’re complaining that they’re blinking a lot, or I don’t know, their eyes are tired. Headaches as well.”These digital bright lights are taking discomfort to new heights. “Sometimes that act of focusing can cause headaches,” Le added.Perhaps no one knows that more than Kelly Billings’ 8-year-old twins and her teenager.“They have headaches, more often than they used to,” said Billings. “And randomly, eye pain, almost as if their eyes are straining.”The Michigan mother is especially worried about her daughter, a regular migraine sufferer, who pre-pandemic battled a migraine every three months. "But with virtual schooling, she has one at least every week,” said Billings. “I definitely know it affects her concentration.”Trisha Rowe’s 8-year-old son, Vedder, is enduring the same battle."He will come up to me and say, 'mom, my head hurts here.' He says it feels like someone’s hitting his head."Doctors say the best way to curb eye strain and headaches for children and adults alike is by adhering to the 20-20-20 rule.How does it work?Every 20 minutes take a 20-second break and focus your eyes on something at least 20 feet away.Trisha says her son’s school has been building in what they call “brain breaks” but she’s also doing her part, making sure his computer is eye level and that he has enough space so he can look away and do his work without staring at the screen.But doctors say it’s hardly just about minimizing strain during school hours.You can’t control what the teacher makes you, but you can control the screen time outside of school and additional screen time from TV watching, video gaming, and handheld device usage has made eye health far worse.Here’s a Rebound Rundown on what you can do to help:Limit your child’s screen time use by re-focusing their free time to more outdoor play and board gamesLow light environments can help alleviate eye strain. Lower the brightness of the screen on your home TV, computer, and other digital devicesEncourage your child to eat, stay hydrated and get ample sleep- which helps minimize the severity of the symptomsOne more thing, encourage your child to hold any kind of digital media as far away from their face as possible. Eighteen to 24 inches is ideal.This story was originally published by Ameera David and Tracy Wujack at WXYZ. 2781

MEMPHIS, Tenn. (AP) — An elections official says a poll worker in Memphis, Tennessee, has been fired after turning away early voters who were wearing “Black Lives Matter” and “I Can’t Breathe” shirts.Shelby County Election Commission spokeswoman Suzanne Thompson says the worker was fired Friday after officials received a call from a witness at the Dave Wells Community Center in Memphis.Tennessee law does not allow voters to wear items with the name of a candidate or a political party on them in a polling place. But state law does not bar statements such as “Black Lives Matter.”Thompson said the poll worker thought the statements were tied to the Democratic Party. 679

LOS ANGELES, Calif. – Sharon Osbourne announced Monday that she’s tested positive for the novel coronavirus.In a tweet, the TV personality said she was briefly hospitalized due to COVID-19, but she’s now recuperating at a location away from her husband, Ozzy. She added that he has tested negative for the virus.“Everyone please stay safe and healthy,” she tweeted.Osbourne is a co-host on “The Talk,” which is currently on a scheduled hiatus.The 68-year-old's COVID-19 diagnosis comes days after one of her co-hosts, Carrie Ann Inaba, revealed she test positive for the virus as well.Osbourne and her husband are both considered high risk for COVID-19. She battled and overcame colon cancer, while the rock star has Parkinson’s disease.Around the beginning of the pandemic, their daughter Kelly said she was staying home for her parents and encouraged others to do the same to prevent spreading the virus.“The truth is I am scared too. Both of my parents are high risk especially my dad,” she wrote in an Instagram caption. “If I would have known 3 weeks ago when I sent them off to panama that that was gonna be the last time I got to hug and kiss them for a while… I would have held on a little longer. However, these are the sacrifices we must make. I stay home for my mum and dad.” 1294

Meghan Markle and Prince Harry can now call Santa Barbara, California, home.A representative for the couple told CNN they purchased a residence in Montecito in July. The Los Angeles Times reported Thursday that the Duke and Duchess of Sussex bought a .65-million estate.According to ABC News, the couple can call celebrities Oprah Winfrey and Ellen DeGeneres neighbors.This comes months after the couple quit their royal duties and moved to North America with their son, Archie, CNN reported. 503

来源：资阳报