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Dr. Anthony Fauci, director of the National Institute of Allergy and Infectious Diseases, reassured children over the weekend that he personally visited Santa Claus at the North Pole, and vaccinated him.Appearing on a CNN Town Hall that educated children on the coronavirus, several children submitted questions on whether Santa would be able to visit them amid the pandemic.“I have to say I took care of that for you because I was worried you all would be upset,” Fauci told the children. “I took a trip up there to the North Pole. I went there and I vaccinated Santa Claus myself. I measured his level of immunity. He is good to go. He can come down the chimney.”Fauci added, “You have nothing to worry about.”Fauci did not indicate which vaccine he injected Santa with. There are currently two coronavirus vaccines that have garnered an emergency use authorization from the FDA. A vaccine produced by Pfizer, which studies indicate has a 95% efficacy rate, began being administered in the US last week. A second coronavirus vaccine, which is produced by Moderna and has a 94% efficacy rate, began being administered today.Other than Santa, front-line health care workers and those living and working in assisted care facilities were among the first to get the vaccine. Also, some leaders in Washington, including Vice President Mike Pence and President-elect Joe Biden, have also received the vaccine.Fauci was asked on Saturday by children when they can expect to be vaccinated. Currently, the two vaccines are not recommended for children.Fauci explained that in order to protect children, it is important for a vaccine to demonstrate efficacy among children before administering it.“The reason why you are not hearing about vaccinating children right now is because we want to wait a month or two,” Fauci said. “We are looking at January, we are going to start some trials in children. We’ll start with children who are a bit older and work our way down so that hopefully within a few months, we’ll be able to tell children, when I know we’ll be able to say, that the vaccine is ‘safe and effective in you.’” 2122
EL CAJON, Calif (KGTV) - The Cajon Valley Union School District has found a unique tool to help them teach thousands of refugee students, many of whom don't speak English.They're using soccer."The kids were exhausted after six hours of academics every day," says District Director of Community Engagement Michael Serban. "Time after school can be spent differently."Three days a week, English-learning refugee students take part in the Power Up program. They spend 45 minutes playing soccer, using the game to introduce words and concepts. They spend another 45 minutes in class working what they heard on the pitch."You can see the growth in the students' vocabulary," says Serban. "When they go back in the classroom, they're not just listening. They're using the words that they practiced to increase the basic foundational vocabulary."The program is only in its second year at Cajon Valley, but the problem of working with refugees spans decades.Since 1975, San Diego County has brought in 86,598 refugees. That's third-most in the state. Many of them settle in East County, where their children enroll in local schools."A lot of the students coming to us from refugee camps may not have been in school," explains Superintendent Dr. David Miyashiro. "They're coming to us in 7th or 8th grade with very low English language skills and also with literacy issues in their own language."Serban says families had been asking for a soccer program to help the kids adapt. The district teamed up with Sports for Learning to develop the curriculum.In addition to the soccer and vocabulary, the students get social and emotional counseling to help them cope with the trauma from their home country. It also teaches them the social norms of being in an American school.A few non-refugee students also participate in the class, to make sure the students make friends outside of the refugee community.The district also is a pioneer in helping all of its students learn about careers and options after school. They use the World of Work curriculum to help gauge the kids' interest and aptitude in a variety of career fields.That program helps the refugee students feel like they have a long-term future in America."Before we ask kids to learn to read, we have to show them why they need to learn to read," says Dr. Miyashiro. "These curricula bring relevance to their learning and connectivity to their future."The Power Up program is funded, in part, through a grant from the Refugee School Impact Program as part of the US Department of Health and Human Services. 2563
Economic uncertainty may be roiling the country right now, but that’s not stopping home sales. In some areas, like the suburbs of New York City, bidding wars are back. In July, one house in Orange, N.J. had 97 showings and 24 offers, according to the New York Times.That same month, .3 billion worth of residential real estate sold in the suburbs of Washington, D.C., according to the Washington Post, compared to .2 billion the year before—demonstrating just how much demand there is in some parts of the country. That demand has caused median home prices to spike. Prices in September are 13% higher than they were the same time last year, the largest increase since 2013, according to real estate listing firm Redfin.“We are seeing really interesting trends emerge from COVID that are causing demand to change to an all-time high at the same time that the supply of availability is at an all-time low,” says David J. Wilk, assistant professor of finance and director of the Real Estate Program at Temple University’s Fox School of Business.That means a lot of homes, especially those close to big cities, are suddenly worth a lot more. For homeowners, it’s an envious position: Their equity has bloomed. But what should they do with it? Here are three options.1. Sell Your HomePrices are high, so it’s time to sell, right? As with everything in real estate, it depends.Selling might be the right move for older homeowners who are looking to downsize to a smaller house, a condo or 55+ living. It also may be ideal for homeowners interested in moving to a lower-priced housing market—if the timing is right, and you absolutely know where you want to go.Dottie Herman, CEO of Douglas Elliman, a Manhattan brokerage firm, says it’s also not a bad time to cash out of the ‘burbs to make a city move if you’ve wanted to do so—especially to Manhattan, where sales were sluggish this spring and summer. “If you really love New York City and you believe as I do that it will come back, it’s a great time to buy in the city,” she says, adding that it might be another three to four years before prices rebound.Beware: Your New House Also May Cost MoreIf you want to stay in the same area, a jump in your home’s price most likely means the house you want has made the same leap.You can still consider trading up, especially if your lifestyle has changed because of the pandemic, and you anticipate it staying somewhat altered when we’re on the other side of it. That may mean more people in the house more of the time—and the need for the space to match. “If you can work from home and you don’t have to commute every day, then that drastically changes your decision matrix,” Wilk says.Falling Interest Rates Can Make a Move Make SensePlus, with interest rates for 30-year mortgages at record lows, getting a bigger mortgage now might make sense in the long term. Just make sure you can still afford the payments and aren’t necessarily banking on that home also becoming a big pay out down the road because the housing market is cyclical and eventually will fall down again.“Rushing to sell your house or buy a house because of the short term isn’t a prudent move,” says Danny McAuliffe, CFP, wealth advisor and head of planning at Perigon Wealth Management. “Making decisions based on what you can afford and make sense for you and your family, that is going to be a better situation for the long term.”If you’re thinking of making that high- to low-cost market move, Herman warns that you should at least live in the place first by renting to see if you really like it. This is especially true for seniors who dream of ditching colder climates for warmer places.Not only does it make sense to get a feel for the area in which you want to live that you can’t achieve while on vacation, but you also will learn if you have the temperament to be away from family for so long. Otherwise, you’ll cash out now and have to buy back in—and who knows what the market will be like then.2. Have Your Home Appraised to Ditch Mortgage InsurancePrivate mortgage insurance (PMI) is usually tacked onto your monthly mortgage payment if you put down less than 20% on the property when you purchased it. PMI is there to protect lenders in case you walk away. But if your home is suddenly worth more, you may hold enough equity to request to have PMI cancelled.To do this, you need to show lenders the home has increased in value, which means paying for a home appraisal. Those typically cost between 0 and 0. Meanwhile, PMI typically costs between 0.05% and 1% of the loan amount annually, which means the appraisal will pay for itself.If you’re staying put, you should also reassess your insurance to make sure it matches what your home is now worth, says McAuliffe. That’s because a policy based on a lower price may not cover the current value of the home, should the worst happen and you need to rebuild.“Specifically you want to make sure that the dwelling coverage in your homeowners policy is sufficient to rebuild your home if something catastrophic were to happen,” he says, adding that these policies typically exclude earthquake and flood insurance.3. Take Equity OutWith interest rates so low, taking some equity out is another option. You can use that money to make renovations to your current home—which may be tax deductible, says McAuliffe—or pay off high interest credit card debt—as long as you don’t then rack up debt on them again.You can take equity out in several ways, including through a home equity line of credit (HELOC) or a cash-out refinance, where you pull the equity out in, well, cash. Homeowners at least 62 years old also can take out a reverse mortgage, which lets them borrow from their home’s equity.Herman says money drawn from equity could be used to buy another property, either as a second home, or to rent out. But only think about becoming a landlord if you have tolerance for it and can cover the mortgage in the case the property is empty between tenants, or tenants stop paying.Just make sure that you aren’t taking all of the equity out. People who got in trouble in 2007 and 2008 “pulled all of their equity out,” Herman says. “When prices dropped, they were stuck because they had used all the equity up in their home for something else.” So don’t press your luck and strip your house of all its old and new equity, or else you may wind up with a house worth less than what you owe on it. 6432
Education Secretary Betsy DeVos announced late Friday that the US government will extend a federal student loan forbearance on borrowers for an additional month as more businesses are closing due to a surge in coronavirus cases. This means that payments of federal student loans will not be due in January.The decision does not impact private student loans, which have generally still required repayment by Americans during the pandemic.While the federal student loan forbearance is scheduled to end on January 31, President-elect Joe Biden has discussed taking more permanent action on reducing the student loan burden on millions of Americans.Federal student loans were placed on forbearance in March. In August, President Donald Trump directed DeVos to extend the forbearance through the end of 2020. While those who wanted to continue making student loan payments were able to continue doing so, automatic payments of federal student loans stopped early in the pandemic as unemployment levels jumped to record levels.Amid the forbearance period, the federal government was not charging interest on borrowers."The coronavirus pandemic has presented challenges for many students and borrowers, and this temporary pause in payments will help those who have been impacted," said DeVos. "The added time also allows Congress to do its job and determine what measures it believes are necessary and appropriate. The Congress, not the Executive Branch, is in charge of student loan policy." 1493
Eating an egg a day may lower your risk of cardiovascular disease, a study of more than 400,000 adults in China suggests.Daily egg eaters had an 18 percent lower risk of dying from cardiovascular disease, which manifests as heart attacks and strokes, compared with adults who avoided eggs, according to the?research?published Monday in the journal?Heart.Commonly called heart disease, cardiovascular disease includes heart failure, arrhythmias and heart valve problems in addition to strokes and attacks. Raised blood pressure, carrying too much weight or obesity, and elevated blood sugar all contribute to the risk of cardiovascular disease, which is triggered by unhealthy diet, physical inactivity, smoking and harmful use of alcohol. 751