濮阳东方医院男科治疗早泄非常靠谱(濮阳东方医院治早泄价格比较低) (今日更新中)

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

Rabbits are multiplying in the childrens' book section.Comedian John Oliver is provoking Mike Pence with a parody book about the vice president's pet bunny to coincide with the Pence family's release of a new children's book."Marlon Bundo's A Day in the Life of the Vice President" was written by the vice president's daughter, Charlotte Pence, and illustrated by second lady Karen Pence, a watercolor artist. The book, which is out Monday, "gives young readers a bunny's-eye view of the special duties of the vice president," per its publisher.Not to be out-bunned, HBO's "Last Week Tonight" released its own version, "Last Week Tonight with John Oliver Presents a Day in the Life of Marlon Bundo."The late-night comedy news program's book "tells the story of Vice President Mike Pence's famed pet rabbit's same-sex wedding," per its publisher."I live with my Mom, Grandma, and Grampa in an old, stuffy house on the grounds of the U.S. Naval Observatory. That's because my Grampa is the vice president. His name is Mike Pence. But this story isn't going to be about him because he isn't very fun. This story is about me, because I'm very, very fun," an excerpt of the spoof Bundo book reads alongside a watercolor picture of the rabbit, clad in a multicolor bow tie, hula-hooping on the grounds of the vice president's residence.Pence was criticized during his time as Indiana governor for his positions on issues important to the LGBTQ community, including signing a religious freedom bill into law in 2015.A spokesperson for Regnery Publishing, which issued the Pences' book, called the parody "unfortunate.""It's unfortunate that anyone would feel the need to ridicule an educational children's book and turn it into something controversial and partisan. Our and Mrs. and Charlotte Pence's goal is -- and will continue to be -- to educate young readers about the important role of the vice president, as well as to highlight the charities to which portions of the book proceeds will be donated," the spokesperson said in a statement.The proceeds of "A Day in the Life of Marlon Bundo" will be donated to The Trevor Project and AIDS United, while the Pences will donate a portion their proceeds to A21, a nonprofit focused on combating human trafficking, and an art therapy program at Riley Hospital for Children.The parody version of the book was the No.1 bestseller on?Amazon.com Monday morning. The Pence version ranked 15th. 2464

President Donald Trump will announce his decision on who to nominate to the Supreme Court on Saturday, and CNN and the New York Times reported Friday per their sources that Trump intends to nominate Judge Amy Coney Barrett to the court.Trump's formal announcement comes at 5 p.m. ET on Saturday.Barrett’s likely nomination will come just eight days following the death of liberal Justice Ruth Bader Ginsburg, who laid in state in the US Capitol on Friday.Barrett, 48, was previously confirmed by the US Senate to the federal Seventh Circuit Court of Appeals in 2017. Her vote garnered the support of three Democrats, Joe Donnelly, Tim Kaine, and Joe Manchin.She is a disciple of Justice Antonin Scalia, serving as his clerk in 1998 and 1999. Given her conservative bona fides, she is expected to give the Supreme Court a clear conservative advantage, fueling hopes from the evangelical right to overturn Roe versus Wade, which has set the precedent for abortion cases for nearly five decades. Liberals say Barrett’s legal views are too heavily influenced by her religious beliefs and fear her ascent to the nation’s highest court could lead to a scaling back of hard-fought abortion rights. She also would replace the justice who is best-known for fighting for women’s rights and equality.Sen. Dianne Feinstein told Barrett her views suggested religious tenets could guide her thinking on the law, the California Democrat telling Barrett: “The conclusion one draws is that the dogma lives loudly within you.”Barrett responded that her views had evolved and that she agreed judges shouldn’t “follow their personal convictions in the decision of a case, rather than what the law requires.”While two Republican senators, Susan Collins of Maine and Lisa Murkowski of Alaska, have said that a confirmation should not come so close to an election, enough Republican senators have said they would be supportive of Trump’s nominee to ensure a confirmation.Trump will likely become the first president to fill three Supreme Court vacancies in a single term since President Richard Nixon’s first term from 1969 through 1973.At just 48, Barrett would be the youngest justice and her tenure could last for decades. She’s made her mark in law primarily as an academic at the University of Notre Dame, where she began teaching at age 30. She first donned judges’ robes in 2017 after Trump nominated her to the 7th Circuit.The Associated Press contributed to this report. 2464

President Donald Trump seemed to float a new idea about border control during a tax reform roundtable in Ohio.The President was in the midst of criticizing Democrats during a riff about border security when he slipped in the idea that people might "have to think about closing up the country.""They don't want the wall, but we're going to get the wall, even if we have to think about closing up the country for a while," Trump said. "We're going to get the wall. We have no choice. We have absolutely no choice. And we're going to get tremendous security in our country."Trump then mentioned the notion a second time, saying, "And we may have to close up our country to get this straight, because we either have a country or we don't. And you can't allow people to pour into our country the way they're doing." 818

Researchers in England say they have the first evidence that a drug can improve survival from COVID-19. A steroid called dexamethasone reduced deaths by up to one third in severely ill hospitalized patients, according to results released Tuesday. The study was led by the University of Oxford and involved thousands of patients randomly assigned to get the drug or just usual care. Dexamethasone reduced deaths by 35% in patients who needed treatment with breathing machines and by 20% in those only needing supplemental oxygen. It did not appear to help less ill patients. 581

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