Mortgage rates fall below 7% for the first time since August

TheStreet's J.D. Durkin brings the latest business headlines from the floor of the New York Stock Exchange as markets close for trading Thursday, December 14th.Full Video Transcript Below: J.D. DURKIN: I’m J.D. Durkin - reporting from the New York Stock Exchange. Stocks were in the green to close out today's session. The Dow closed up, the Nasdaq closed up, and the S&P closed up. This optimism comes as investors cheer positive retail sales data after November showed unexpected growth, emphasizing the strength of the U.S. consumer. Investors are also holding out hope that the Fed could avoid triggering a recession after it unveiled plans to lower interest rates in 2024. Turning to the housing market - mortgage rates have fallen back below 7% for the first time since August. Rates have now dropped for the seventh consecutive week and now stand at 6.95%. And, according to Freddie Mac, rates may drop even further, with its chief economist saying, “Given inflation continues to decelerate and the Federal Reserve Board’s current expectations that they will lower the federal funds target rate next year, we likely will see a gradual thawing of the housing market in the new year.” And, as you might expect, with rates continuing to drop, mortgage applications are on the rise. Applications have now risen for the sixth consecutive week, according to the Mortgage Bankers Association. But, while rates are nowhere near their August high of 7.79%, rates are still higher than they were at this time last year when they stood at 6.31%. That’ll do it for your daily briefing. From the New York Stock Exchange, I’m J.D. Durkin with TheStreet.
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*Аксельбант*

Одна из наиболее заметных деталей современного парадного воинского костюма — аксельбант . Слово пришло к нам из немецкого языка: Achsel — плечо, Band — лента, тесьма.via forma full 5 https://ift.tt/Fb31zA0 Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
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*Sleep tourism is on the rise*

The activity people want to do most on vacation isn't what you’d expect. According Skycanner's 2024 travel trends report, quality sleep is the activity people are most excited for. Naomi Hahn, VP of Strategy at Skyscanner joined TheStreet to discuss this growing trend as well as how artificial intelligence is revolutionizing the industry.Full Video Transcript Below: J.D. DURKIN: Does your data tell you much I wonder about people booking elsewhere, looking to the United States as a destination that could be New York. Or you have some people who may say, hey, I'd love to get out and not necessarily be in a crowded city. Is there an interest in the American Southwest or areas like that? NAOMI HAHN: So I don't know. I'm trying to think if you've got anything specific on that. What we are seeing, there's an interesting trend that I think persisted from last year, which was last year. You had people going on a lot of solo travel, which was to do with well-being and space. Linked to that you had a lot of people not doing the city stuff but wanting to go and reconnect with nature. And this year the trend we're seeing is sleep destination, sleep. I know. And I'm like, I get it when I go on holiday. I want to sleep too. But the number one activity that came through in the research was that 33% of people said the first thing that they wanted to do on holiday, the most important thing was sleeping. So this is the whole thing around kind of combining holidays with experience, but also recuperation, which is quite an interesting move. J.D. DURKIN: Talk to us a little bit about the role that AI is playing when it comes to making travel plans for 2024. NAOMI HAHN: Yeah, so AI has always been a big part of what Skyscanner does. So in terms of machine learning and using data intelligently to be able to crunch 80 billion different prices every day, to be able to serve them to travelers so they can decipher them and figure out what's right for them. So AI has always been important. As we go into next year, we're finding that travelers are proactively searching for generative AI suggestions for where they should be going on holiday. And I think I don't remember the specific stat, but there's a high number of Americans who have actually actively used generative AI to search for things on their mobile phones. And they're the highest they were the highest out of the whole globe that we interviewed. So it was America who were trending more towards using that. And the great thing about generative AI is that they can identify different sources of information and pull them together really, really quickly. For a consumer like you or I to say, well, what's it actually going to be like in that destination? Or if I want to go somewhere where I can see Taylor Swift I can get a good night's sleep and I can go to a Michelin star restaurant that isn't going to break the bank like this can all come back to you.
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Военизированная

Военизированная охрана (ВОХР) — вооружённые боевым ручным стрелковым огнестрельным оружием специализированные подразделения охраны с особым правовым статусом...via forma full 5 https://ift.tt/mUOTJ1l Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
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Аксельбант

Одна из наиболее заметных деталей современного парадного воинского костюма — аксельбант . Слово пришло к нам из немецкого языка: Achsel — плечо, Band — лента, тесьма.via forma full 5 https://ift.tt/Fb31zA0 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...

Sleep tourism is on the rise

The activity people want to do most on vacation isn't what you’d expect. According Skycanner's 2024 travel trends report, quality sleep is the activity people are most excited for. Naomi Hahn, VP of Strategy at Skyscanner joined TheStreet to discuss this growing trend as well as how artificial intelligence is revolutionizing the industry.Full Video Transcript Below: J.D. DURKIN: Does your data tell you much I wonder about people booking elsewhere, looking to the United States as a destination that could be New York. Or you have some people who may say, hey, I'd love to get out and not necessarily be in a crowded city. Is there an interest in the American Southwest or areas like that? NAOMI HAHN: So I don't know. I'm trying to think if you've got anything specific on that. What we are seeing, there's an interesting trend that I think persisted from last year, which was last year. You had people going on a lot of solo travel, which was to do with well-being and space. Linked to that you had a lot of people not doing the city stuff but wanting to go and reconnect with nature. And this year the trend we're seeing is sleep destination, sleep. I know. And I'm like, I get it when I go on holiday. I want to sleep too. But the number one activity that came through in the research was that 33% of people said the first thing that they wanted to do on holiday, the most important thing was sleeping. So this is the whole thing around kind of combining holidays with experience, but also recuperation, which is quite an interesting move. J.D. DURKIN: Talk to us a little bit about the role that AI is playing when it comes to making travel plans for 2024. NAOMI HAHN: Yeah, so AI has always been a big part of what Skyscanner does. So in terms of machine learning and using data intelligently to be able to crunch 80 billion different prices every day, to be able to serve them to travelers so they can decipher them and figure out what's right for them. So AI has always been important. As we go into next year, we're finding that travelers are proactively searching for generative AI suggestions for where they should be going on holiday. And I think I don't remember the specific stat, but there's a high number of Americans who have actually actively used generative AI to search for things on their mobile phones. And they're the highest they were the highest out of the whole globe that we interviewed. So it was America who were trending more towards using that. And the great thing about generative AI is that they can identify different sources of information and pull them together really, really quickly. For a consumer like you or I to say, well, what's it actually going to be like in that destination? Or if I want to go somewhere where I can see Taylor Swift I can get a good night's sleep and I can go to a Michelin star restaurant that isn't going to break the bank like this can all come back to you.
Read more...

*Cadillac is rolling out a brand new Tesla competitor*

In the early days of automotive history, skeptics often mocked motorists with the taunt "get a horse!" The implication, of course, was that the four-legged animal could do a better job of taking you from place to place than that weird clanking contraption that you were driving. DON'T MISS: Morningstar unveils its top 10 stocks for investors in 2024 Perhaps that wisecrack was the motivation behind Cadillac's 1905 slogan, "You can kill a horse, but you can't kill Cadillac."A new SUV Yes, well, that was a long time ago, back when people were calling cars "horseless carriages." Cadillac, one of the first auto brands in the world, was only a few years old. General Motors (GM) - Get Free Report acquired Cadillac in 1909 and the company moved on to other catchy--and less lethal--lines like "the Standard of the World," "More Eloquent than Words," and "In a realm of its own." Now Cadillac, which was named after the French explorer who founded Detroit, is taking another step into the realm of electric vehicles. The company revealed the Vistiq on Dec. 14, a three-row crossover SUV that the company says will be available during the 2026 model year. This is Cadillac’s fifth EV and the third this year as the company moves forward with its plan to going all-electric by 2030.NEWS: GM released photos of a new EV they are releasing in 2025 called the Vistiq.It's an all-electric three-row SUV that will sit between the Lyriq and soon-to-come Escalade IQ. GM didn't release any specs. pic.twitter.com/GOfu0Ja98o— Sawyer Merritt (@SawyerMerritt) December 14, 2023 For the moment, Cadillac is playing it close to the vest as far as pricing, availability and other details, but published reports pointed to a price tag of $70,000–$90,000, depending on the trim level and list of options.Covering luxury SUV segments The Vistiq will be based on GM's Ultium electric infrastructure that is being deployed for battery electric vehicles from General Motors portfolio brands along with vehicles from Honda HMC and Acura. “Our brand now has an EV entry in most luxury segments, offering customers a range of choices, and Cadillac EVs will cover most luxury SUV segments across critical global markets in the next two years,” John Roth, vice president of Global Cadillac, said in a statement. Earlier this year, Cadillac revealed the 2025 Escalade IQ, the brand’s first all-electric full-size SUV. Last month, Cadillac confirmed the 2025 Optiq, which will act as the entry point for the brand’s EV lineup in North America. GM also has the Celestiq, a hand-built electric sedan. When the Vistiq does hit the road. it will be joining other three-row electric SUVs such as the Tesla (TSLA) - Get Free Report Model X, the Rival (RIVN) - Get Free Report R1S, and the Kia KIMTF EV9.Get exclusive access to portfolio managers’ stock picks and proven investing strategies with Real Money Pro. Get started now.
[Read more...](https://www.thestreet.com/electric-vehicles/cadillac-is-rolling-out-a-brand-new-tesla-competitor)

Cadillac is rolling out a brand new Tesla competitor

In the early days of automotive history, skeptics often mocked motorists with the taunt "get a horse!" The implication, of course, was that the four-legged animal could do a better job of taking you from place to place than that weird clanking contraption that you were driving. DON'T MISS: Morningstar unveils its top 10 stocks for investors in 2024 Perhaps that wisecrack was the motivation behind Cadillac's 1905 slogan, "You can kill a horse, but you can't kill Cadillac."A new SUV Yes, well, that was a long time ago, back when people were calling cars "horseless carriages." Cadillac, one of the first auto brands in the world, was only a few years old. General Motors (GM) - Get Free Report acquired Cadillac in 1909 and the company moved on to other catchy--and less lethal--lines like "the Standard of the World," "More Eloquent than Words," and "In a realm of its own." Now Cadillac, which was named after the French explorer who founded Detroit, is taking another step into the realm of electric vehicles. The company revealed the Vistiq on Dec. 14, a three-row crossover SUV that the company says will be available during the 2026 model year. This is Cadillac’s fifth EV and the third this year as the company moves forward with its plan to going all-electric by 2030.NEWS: GM released photos of a new EV they are releasing in 2025 called the Vistiq.It's an all-electric three-row SUV that will sit between the Lyriq and soon-to-come Escalade IQ. GM didn't release any specs. pic.twitter.com/GOfu0Ja98o— Sawyer Merritt (@SawyerMerritt) December 14, 2023 For the moment, Cadillac is playing it close to the vest as far as pricing, availability and other details, but published reports pointed to a price tag of $70,000–$90,000, depending on the trim level and list of options.Covering luxury SUV segments The Vistiq will be based on GM's Ultium electric infrastructure that is being deployed for battery electric vehicles from General Motors portfolio brands along with vehicles from Honda HMC and Acura. “Our brand now has an EV entry in most luxury segments, offering customers a range of choices, and Cadillac EVs will cover most luxury SUV segments across critical global markets in the next two years,” John Roth, vice president of Global Cadillac, said in a statement. Earlier this year, Cadillac revealed the 2025 Escalade IQ, the brand’s first all-electric full-size SUV. Last month, Cadillac confirmed the 2025 Optiq, which will act as the entry point for the brand’s EV lineup in North America. GM also has the Celestiq, a hand-built electric sedan. When the Vistiq does hit the road. it will be joining other three-row electric SUVs such as the Tesla (TSLA) - Get Free Report Model X, the Rival (RIVN) - Get Free Report R1S, and the Kia KIMTF EV9.Get exclusive access to portfolio managers’ stock picks and proven investing strategies with Real Money Pro. Get started now.
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*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
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*Сухпаек - ИРП*

Боеспособность каждого отдельного бойца зависит от его морально-волевых качеств, навыков обращения с оружием и боевой техникой, а также физической подготовки.via forma full 5 https://ift.tt/mIw8gYk 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/3584777.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
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*Виды и рода войск ВС*

Армия в той или иной степени касается каждого гражданина, поэтому волей-неволей люди осведомлены о ней. Но ведь армия - это слишком обобщенное и абстрактное понятие...via forma full 5 https://ift.tt/9jbQBId 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/3581217.html)

*Шевроны*

Шеврон (по-русски — стропило ) — знак (изображение) из двух отрезков, соединённых концами под углом, является знаком различия: V -образной формы на униформе...via forma full 5 https://ift.tt/APCrUh6 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/3582359.html)

Сухпаек - ИРП

Боеспособность каждого отдельного бойца зависит от его морально-волевых качеств, навыков обращения с оружием и боевой техникой, а также физической подготовки.via forma full 5 https://ift.tt/mIw8gYk 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...

*Аксельбант*

Одна из наиболее заметных деталей современного парадного воинского костюма — аксельбант . Слово пришло к нам из немецкого языка: Achsel — плечо, Band — лента, тесьма.via forma full 5 https://ift.tt/Fb31zA0 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/3581998.html)

Виды и рода войск ВС

Армия в той или иной степени касается каждого гражданина, поэтому волей-неволей люди осведомлены о ней. Но ведь армия - это слишком обобщенное и абстрактное понятие...via forma full 5 https://ift.tt/9jbQBId 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...

Шевроны

Шеврон (по-русски — стропило ) — знак (изображение) из двух отрезков, соединённых концами под углом, является знаком различия: V -образной формы на униформе...via forma full 5 https://ift.tt/APCrUh6 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...

Аксельбант

Одна из наиболее заметных деталей современного парадного воинского костюма — аксельбант . Слово пришло к нам из немецкого языка: Achsel — плечо, Band — лента, тесьма.via forma full 5 https://ift.tt/Fb31zA0 Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
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*Форма Гражданских*

ФОРМЕННАЯ ОДЕЖДА И ЗНАКИ РАЗЛИЧИЯ ФЕДЕРАЛЬНЫХ ГРАЖДАНСКИХ СЛУЖАЩИХ ВООРУЖЕННЫХ СИЛ РОССИЙСКОЙ ФЕДЕРАЦИИ nbsp Информация взята с ресурса...via forma full 5 https://ift.tt/VTb4NlE 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/3583025.html)

Форма Гражданских

ФОРМЕННАЯ ОДЕЖДА И ЗНАКИ РАЗЛИЧИЯ ФЕДЕРАЛЬНЫХ ГРАЖДАНСКИХ СЛУЖАЩИХ ВООРУЖЕННЫХ СИЛ РОССИЙСКОЙ ФЕДЕРАЦИИ nbsp Информация взята с ресурса...via forma full 5 https://ift.tt/VTb4NlE Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
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