*WhatsApp внедряет самоуничтожающиеся голосовые сообщения*

На случай если вы отправили другу войс с данными карты или жалобой на своего босса.
[Read more...](https://lifehacker.ru/samounichtozhayushhiesya-golosovye-v-whatsapp/)

*Mortgage rates continue to fall — what it means for your home-buying decision*

Mortgage rates have dropped to the lowest level since August, falling for the sixth week in a row. The 30-year fixed-rate mortgage averaged 7.03% Thursday, down from 7.22% a week ago and nearly 7.8% just six weeks ago, according to Freddie Mac. That, of course, means it’s cheaper to buy a home now than it was in recent weeks. But the rate still exceeds the year-ago level of 6.33%. And 7% isn’t a cheap rate in the context of the last 15 years.Related: Mortgage rates need to hit this target before buying a home really makes sense again “When rates began to rapidly drop, purchase applications rebounded initially,” said Sam Khater, Freddie Mac’s chief economist. “But this improvement in demand diminished in the last week. Although these lower rates remain a welcome relief, it is clear they will have to further drop to more consistently reinvigorate demand.”Weak sales Confirming that view, existing-home sales dropped 4.1% in October from September to an annual rate of 3.79 million, the lowest since 2010. Sales sunk 14.6% from a year ago, according to the National Association of Realtors (NAR). "Prospective home buyers experienced another difficult month due to the persistent lack of housing inventory and the highest mortgage rates in a generation," said NAR Chief Economist Lawrence Yun. It's become harder than ever to figure out the right time to buy a new home. TheStreet/Shutterstock While the inventory of unsold existing homes expanded 1.8% in October from September, it still stood only at 1.15 million on Oct. 31. That’s the equivalent of 3.6 months' supply at the current monthly sales pace. A supply-level below six months is considered to be a tight market. The price news in October wasn’t so hot either. The median existing-home sales price climbed 3.4% in October from a year ago to $391,800, a record high for the month.The bright side That constituted the fourth straight month of year-over-year price increases. To be sure, there was a silver lining: the sales price eased 0.6% from $394,300 in September. Also on the bright side, “multiple offers are still occurring, especially on starter and mid-priced homes, even as price concessions are happening in the upper end of the market," Yun said. So what does this mean for a renter hoping to buy? There are two good reasons to hold off for now. First, mortgage rates remain high compared to the last 15 years. And second, there’s a good chance mortgage rates will continue to slide. That’s because a softening economy, which many economists and analysts expect, could push interest rates down, including mortgage rates. A weakening economy also could push home prices down. So patience may be a virtue now.
[Read more...](https://www.thestreet.com/real-estate/mortgage-rates-home-buying-decision)

Mortgage rates continue to fall — what it means for your home-buying decision

Mortgage rates have dropped to the lowest level since August, falling for the sixth week in a row. The 30-year fixed-rate mortgage averaged 7.03% Thursday, down from 7.22% a week ago and nearly 7.8% just six weeks ago, according to Freddie Mac. That, of course, means it’s cheaper to buy a home now than it was in recent weeks. But the rate still exceeds the year-ago level of 6.33%. And 7% isn’t a cheap rate in the context of the last 15 years.Related: Mortgage rates need to hit this target before buying a home really makes sense again “When rates began to rapidly drop, purchase applications rebounded initially,” said Sam Khater, Freddie Mac’s chief economist. “But this improvement in demand diminished in the last week. Although these lower rates remain a welcome relief, it is clear they will have to further drop to more consistently reinvigorate demand.”Weak sales Confirming that view, existing-home sales dropped 4.1% in October from September to an annual rate of 3.79 million, the lowest since 2010. Sales sunk 14.6% from a year ago, according to the National Association of Realtors (NAR). "Prospective home buyers experienced another difficult month due to the persistent lack of housing inventory and the highest mortgage rates in a generation," said NAR Chief Economist Lawrence Yun. It's become harder than ever to figure out the right time to buy a new home. TheStreet/Shutterstock While the inventory of unsold existing homes expanded 1.8% in October from September, it still stood only at 1.15 million on Oct. 31. That’s the equivalent of 3.6 months' supply at the current monthly sales pace. A supply-level below six months is considered to be a tight market. The price news in October wasn’t so hot either. The median existing-home sales price climbed 3.4% in October from a year ago to $391,800, a record high for the month.The bright side That constituted the fourth straight month of year-over-year price increases. To be sure, there was a silver lining: the sales price eased 0.6% from $394,300 in September. Also on the bright side, “multiple offers are still occurring, especially on starter and mid-priced homes, even as price concessions are happening in the upper end of the market," Yun said. So what does this mean for a renter hoping to buy? There are two good reasons to hold off for now. First, mortgage rates remain high compared to the last 15 years. And second, there’s a good chance mortgage rates will continue to slide. That’s because a softening economy, which many economists and analysts expect, could push interest rates down, including mortgage rates. A weakening economy also could push home prices down. So patience may be a virtue now.
Read more...

*Военные чины и знаки*

Персональные ранги военнослужащих французской армии делились на генеральские, офицерские и унтер-офицерские.via forma full 5 https://ift.tt/lZ0k7YD Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3582898.html)

Военные чины и знаки

Персональные ранги военнослужащих французской армии делились на генеральские, офицерские и унтер-офицерские.via forma full 5 https://ift.tt/lZ0k7YD Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...

*Казачьи чины*

Казачьи чины — это чины (звания), персонально присваиваемые военнослужащим и военнообязанным (в том числе казакам на льготе)...via forma full 5 https://ift.tt/ElPQv0f Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3584268.html)

Казачьи чины

Казачьи чины — это чины (звания), персонально присваиваемые военнослужащим и военнообязанным (в том числе казакам на льготе)...via forma full 5 https://ift.tt/ElPQv0f Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...

*Форменная одежда*

Форменная одежда для руководства, иных должностных лиц центрального аппарата и ...via forma full 5 https://ift.tt/J2wkM8g Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3584152.html)

Форменная одежда

Форменная одежда для руководства, иных должностных лиц центрального аппарата и ...via forma full 5 https://ift.tt/J2wkM8g Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...

*Национальная*

Федеральная служба войск национальной гвардии Российской Федерации (Росгвардия) — федеральный орган исполнительной власти Российской Федерации, спецслужба...via forma full 5 https://ift.tt/MYxFaSg Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3581058.html)

Национальная

Федеральная служба войск национальной гвардии Российской Федерации (Росгвардия) — федеральный орган исполнительной власти Российской Федерации, спецслужба...via forma full 5 https://ift.tt/MYxFaSg Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...

*VW makes a major move that investors need to know about*

It's been a tumultuous few days at Volkswagen (VLKAF) - Get Free Report as the German automaker confronts serious issues on both sides of the Atlantic. On Dec. 7, the United Auto Workers said that more than 1,000 factory workers at Volkswagen AG's Chattanooga, Tenn. assembly plant have signed union authorization cards, according to Reuters. DON'T MISS: AMD leaps after launching AI chip that could challenge Nvidia dominance The UAW said it was launching a first-of-its-kind push to publicly organize the entire nonunion auto sector in the U.S. after winning record new contracts with the Detroit Three automakers. Volkswagen had said earlier that it would increase the salaries of production workers on the lines of Volkswagen's Chattanooga, Tenn. plant. Several other foreign automakers announced significant pay and other compensation improvements in response to the UAW contracts. Analysts and industry officials saw the move as an effort to keep the UAW out of their plants.Campaigns target nonunion companies The Detroit-based UAW said workers at 13 nonunion automakers were announcing simultaneous campaigns across the country to join the union, including at such companies as Tesla (TSLA) - Get Free Report, Hyundai (HYMTF) - Get Free Report, and Rivian (RIVN) - Get Free Report. These automakers employ nearly 150,000 workers at their U.S. assembly plants, about the same number as those employed by the Detroit Three companies. The UAW has unsuccessfully sought to organize auto factories operated by foreign automakers for decades. Meanwhile, over in Europe, Volkswagen will reportedly cut one-fifth of its administrative staff in a bid to save nearly $11 billion by 2026, Automotive News Europe reported, citing an internal memo. The staffing cuts will happen via partial and early retirement as opposed to layoffs, the memo said. The company had announced a plan in June that was intended to help meet a return-on-sales target of 6.5%, up from 3.6% last year. Like other automakers, VW has been hit by inflation, slowing demand in Europe and China, and high labor and energy costs in Germany. The automaker is also struggling to deliver a robust lineup of electric vehicles and contending with problems at is Cariad software unit.'Need to operate with fewer people' In October, TechCrunch reported that Cariad would delay the launch of its new software architecture as it planned to cut 2,000 jobs. VW brand boss Thomas Schaefer has previously warned that high costs and low productivity are making its passenger cars uncompetitive. “We will need to operate with fewer people in many areas at Volkswagen in the future,” Schaefer told employees at a meeting in Wolfsburg on Dec. 5. “This doesn't mean more work for fewer people, but rather shedding old habits and saying no to duplicating efforts and inefficiencies.” Other initiatives include reducing product cycles to 3 years from 50 months, cutting overall production times, limiting model options and trims, and scrapping a planned new roughly $863 million R&D site in Wolfsburg. Output at the main factory in Wolfsburg is still far below the historical average, according to works council head Daniela Cavallo. "At the end of November, after 11 out of 12 months, we have produced 453,000 vehicles," Cavallo said. Hopefully, Wolfsburg output will reach 500,000 units this year, she said, which is still far below the 780,000 annual average in the 2010-2020 period. Cavallo said she was confident that workers and management would agree on the brand's cost-cutting measures by the end of December.Action Alerts PLUS offers expert portfolio guidance to help you make informed investing decisions. Sign up now.
[Read more...](https://www.thestreet.com/electric-vehicles/vw-makes-a-major-move-that-investors-need-to-know-about)

VW makes a major move that investors need to know about

It's been a tumultuous few days at Volkswagen (VLKAF) - Get Free Report as the German automaker confronts serious issues on both sides of the Atlantic. On Dec. 7, the United Auto Workers said that more than 1,000 factory workers at Volkswagen AG's Chattanooga, Tenn. assembly plant have signed union authorization cards, according to Reuters. DON'T MISS: AMD leaps after launching AI chip that could challenge Nvidia dominance The UAW said it was launching a first-of-its-kind push to publicly organize the entire nonunion auto sector in the U.S. after winning record new contracts with the Detroit Three automakers. Volkswagen had said earlier that it would increase the salaries of production workers on the lines of Volkswagen's Chattanooga, Tenn. plant. Several other foreign automakers announced significant pay and other compensation improvements in response to the UAW contracts. Analysts and industry officials saw the move as an effort to keep the UAW out of their plants.Campaigns target nonunion companies The Detroit-based UAW said workers at 13 nonunion automakers were announcing simultaneous campaigns across the country to join the union, including at such companies as Tesla (TSLA) - Get Free Report, Hyundai (HYMTF) - Get Free Report, and Rivian (RIVN) - Get Free Report. These automakers employ nearly 150,000 workers at their U.S. assembly plants, about the same number as those employed by the Detroit Three companies. The UAW has unsuccessfully sought to organize auto factories operated by foreign automakers for decades. Meanwhile, over in Europe, Volkswagen will reportedly cut one-fifth of its administrative staff in a bid to save nearly $11 billion by 2026, Automotive News Europe reported, citing an internal memo. The staffing cuts will happen via partial and early retirement as opposed to layoffs, the memo said. The company had announced a plan in June that was intended to help meet a return-on-sales target of 6.5%, up from 3.6% last year. Like other automakers, VW has been hit by inflation, slowing demand in Europe and China, and high labor and energy costs in Germany. The automaker is also struggling to deliver a robust lineup of electric vehicles and contending with problems at is Cariad software unit.'Need to operate with fewer people' In October, TechCrunch reported that Cariad would delay the launch of its new software architecture as it planned to cut 2,000 jobs. VW brand boss Thomas Schaefer has previously warned that high costs and low productivity are making its passenger cars uncompetitive. “We will need to operate with fewer people in many areas at Volkswagen in the future,” Schaefer told employees at a meeting in Wolfsburg on Dec. 5. “This doesn't mean more work for fewer people, but rather shedding old habits and saying no to duplicating efforts and inefficiencies.” Other initiatives include reducing product cycles to 3 years from 50 months, cutting overall production times, limiting model options and trims, and scrapping a planned new roughly $863 million R&D site in Wolfsburg. Output at the main factory in Wolfsburg is still far below the historical average, according to works council head Daniela Cavallo. "At the end of November, after 11 out of 12 months, we have produced 453,000 vehicles," Cavallo said. Hopefully, Wolfsburg output will reach 500,000 units this year, she said, which is still far below the 780,000 annual average in the 2010-2020 period. Cavallo said she was confident that workers and management would agree on the brand's cost-cutting measures by the end of December.Action Alerts PLUS offers expert portfolio guidance to help you make informed investing decisions. Sign up now.
Read more...

*27 male. Construction worker since 18*

submitted by /u/Jficek34 to r/Money [link] [comments]
[Read more...](https://www.reddit.com/r/Money/comments/18chzus/27_male_construction_worker_since_18/)

27 male. Construction worker since 18

submitted by /u/Jficek34 to r/Money link comments
Read more...

*Me_irl*

submitted by /u/xcywji45 to r/me_irl [link] [comments]
[Read more...](https://www.reddit.com/r/me_irl/comments/18cpka7/me_irl/)

*Doggo checks in on baby and stands guard*

submitted by /u/My_Memes_Will_Cure_U to r/BeAmazed [link] [comments]
[Read more...](https://www.reddit.com/r/BeAmazed/comments/18ct841/doggo_checks_in_on_baby_and_stands_guard/)

Doggo checks in on baby and stands guard

submitted by /u/MyMemesWillCureU to r/BeAmazed link comments
Read more...

*Project Rebalance: Overview, Scythe & Fang*

submitted by /u/JagexGoblin to r/2007scape [link] [comments]
[Read more...](https://www.reddit.com/r/2007scape/comments/18ctwnq/project_rebalance_overview_scythe_fang/)

Project Rebalance: Overview, Scythe & Fang

submitted by /u/JagexGoblin to r/2007scape link comments
Read more...