Author: Truth & Hammer

  • Freddie Mac: Mortgage rates have now fallen to a 3-year low | 2019-06-27 | HousingWire

    Freddie Mac: Mortgage rates have now fallen to a 3-year low | 2019-06-27 | HousingWire

    This week, the average U.S. rate for a 30-year fixed mortgage fell to a three-year low, according to the latest Freddie Mac Primary Mortgage Market Survey.

    According to the company’s data, the 30-year fixed-rate mortgage averaged 3.73% for the week ending June 27 2019, down from last week’s rate of 3.84%. That’s significantly lower than 2018 levels, when the rate averaged a whopping 4.55%.

     “While the industrial and trade related economic data continues to dominate the news, the drop in mortgage rates over the last two months is already being felt in the housing market,” Freddie Mac Chief Economist Sam Khater said. “Through late June, home purchase applications improved by five percentage points compared to the previous month. In the near-term, we expect the housing market to continue to improve from both a sales and price perspective.”

    The 15-year FRM averaged 3.16% this week, dropping from last week’s 3.25%. This time last year, the 15-year FRM came in at 4.04%.

    Lastly, the five-year Treasury-indexed hybrid adjustable-rate mortgage averaged 3.39%, falling from last week’s rate of 3.48%. Unsurprisingly, this rate is much lower than the same time period in 2018 when it averaged 3.87%.

    The image below highlights this week’s changes:

    This content was originally published here.

  • First Democratic debate 2019: Live updates from Night One

    First Democratic debate 2019: Live updates from Night One

    In the post-debate spin room, Castro again said O’Rourke has not done his homework on immigration, calling him “misinformed.”

    “I do find it somewhat ironic that a senator from Massachusetts and a senator from New Jersey and a congressman from Ohio have a better understanding of immigration law than Congressman O’Rourke,” he said.

    One of the challenges for both those debating on stage and reporters monitoring the debate is the always looming question of who won. A consensus answer might be more difficult this evening because of the unquestionable effect of social media.

    4h ago / 3:22 AM UTC

    Fact check: What is Section 1325, and why do Castro and O’Rourke disagree about it?

    Julián Castro made the claim earlier this evening that the reason the Trump administration is separating families is because “they are using section 1325 of that act which criminalizes coming across the border to incarcerate the parents and then separate them.”

    This is true. Section 1325 within the U.S. Code, “sets forth criminal offenses relating to (1) improper entry into the United States by an alien.” The Trump administration has used this statute to prosecute, and detain, people for illegally crossing the U.S. border. 

    Castro, referring to himself, also said that, “Some of us on this stage have called to end that section, to terminate it.”

    “Some like Congressman O’Rourke have not,” Castro said. 

    O’Rourke, in fact, told CNN earlier this month that he did “not think it should be repealed,” citing attempts by some crossing the border to smuggle people or drugs into the U.S. 

    This content was originally published here.
  • BREAKING: Democrat Nancy Pelosi Rejects Bipartisan Border Bill Amid Crisis | Daily Wire

    BREAKING: Democrat Nancy Pelosi Rejects Bipartisan Border Bill Amid Crisis | Daily Wire

    Democratic House Speaker Nancy Pelosi rejected a bipartisan border bill on Wednesday that overwhelmingly passed the Senate and comes as the United States is facing a crisis on the southern border.

    The Washington Times reports that Pelosi “will demand changes to limit how long children can be held in some facilities” and “will insist on more money to pay the communities that illegal immigrant families are being dumped into, and will demand a new method of processing migrants when they arrive at the border ‘which is culturally, linguistically and religiously appropriate.’”

    The $4.6 billion border bill, which passed 84-8 on Wednesday, included “$2.88 billion for Health and Human Services to provide safe shelter and care for children in custody; $1.1 billion for Customs and Border Protection (CBP) to establish migrant care and processing facilities; $220 million for the Justice Department to help process immigration cases and provide resources to U.S. Marshals Service for care and detention of federal detainees; $145 million for branches of U.S. military for missions along the border,” according to CBS News.

    The Times further noted the bill that the Senate passed, while similar in the amount of money that is provided to help fix the problem at the border, differs in how the money would be spent.

    “The federal Health Department, charged with caring for Unaccompanied Alien Children, gets a majority of money in each bill,” The Times noted. “But border authorities, the Pentagon and deportation officers get money in the Senate bill that’s absent from the House version. And while both bills contain some restrictions on how the money can be spent, the House version contains many more.”

    The Times added that the provisions were added to appease the far-left wing of the Democratic Party.

    The Hill noted that far-left Reps. Alexandria Ocasio-Cortez (NT), Ilhan Omar (MN), Ayanna Pressley (MA), and Rashida Tlaib (MI) voted against the Democrat-controlled House’s $4.5 billion border bill on Tuesday evening.

    This content was originally published here.

  • Half-tonne birds may have roamed Europe at same time as humans | Science | The Guardian

    Half-tonne birds may have roamed Europe at same time as humans | Science | The Guardian

    Giant flightless birds that dwarfed modern ostriches and weighed nearly half a tonne roamed Europe when the first archaic humans arrived from Africa, scientists say.

    Researchers unearthed the fossilised thigh bone of one of the feathered beasts while excavating a cave on the Crimean peninsula on the northern coast of the Black Sea. It is the first time such a massive bird has been found in the northern hemisphere.

    Analysis of the 40cm-long bone and others found with it date the remains to between 1.5m and 1.8m years old, suggesting the birds may have been part of the local wildlife when Homo erectus, an ancient ancestor of modern humans, reached Europe 1.2m years ago.

    The enormous birds may well have been a valuable source of meat, bones, feathers and eggshells for the early human settlers, the scientists say.

    Nikita Zelenkov, a palaeontologist at the Russian Academy of Sciences, said that when he first received the thigh bone for study he thought it must be from a long-extinct elephant bird from Madagascar. “No birds of this size have ever been reported from Europe,” he said.

    But close inspection revealed that the bird probably belonged to an ancient species called Pachystruthio dmanisensis, a stocky, flightless creature that stood about 3.5 metres tall. Based on measurements of the thigh bone, the scientists calculate the bird weighed about 450kg, which is twice the weight of the largest extinct moas from New Zealand, three times heavier than the largest living bird, the common ostrich, and nearly as heavy as an adult polar bear. The fossils are described in the Journal of Vertebrate Paleontology.

    “We don’t know when it became extinct exactly, but most likely it did not survive later than 1.2m years ago,” Zelenkov said. “They would have been seen by various Homo erectus people.”

    Despite the bird’s bulk, the long, slim thigh bone shows it was fast on its feet. Other remains recovered from the cave offer some explanation as to why that may have helped: the giant bird lived alongside some of the most formidable predators of the Ice Age, from sabre-toothed cats to other over-sized carnivores, including giant cheetahs and giant hyenas. All could take on prey as large as mammoths.

    Evolution has decorated the tree of life with a bizarre collection of bulky birds. The apparently herbivorous Gastornithidae, a family of prehistoric flightless birds with powerful legs and enormous beaks, stalked Europe, Asia and North America, from 66m to 35m years ago. When fully grown, some species reached three metres tall.

    A similar-sized feathery beast brought terror to the rainforests of Australia’s Northern Territory 15m years ago. Technically known as Bullockornis planei but named the “demon duck of doom” by a researcher with an eye for publicity, the bird sported a scythe-like beak on a head the size of a horse’s. Also known as thunderbirds, the beasts are thought to have survived until at least 50,000 years ago.

    Scientists have argued over the identity of the world’s largest bird for decades, but last year researchers at the Zoological Society of London attempted to settle the matter. They set out with a tape measure and a pair of callipers to measure hundreds of bird bones in museums around the world and came across one creature from Madagascar that stood three metres tall and weighed up to 800kg. Its name, Vorombe titan, means “big bird” in a mixture of Malagasy and Greek.

    The Taurida cave where the latest bones were found was discovered only last year during the construction of a motorway that will link Simferopol, a city in the heart of the Crimean peninsula, to the city of Kerch in the east. How common the big birds were across Europe is unknown and a question that future expeditions will now seek to answer. “Although there is no evidence yet, this bird might have been spread across more western territories,” Zelenkov said.

    Excavations at the site have also uncovered the remains of a bison and a mammoth, and field studies at the site are expected to continue for some time yet. “There may be much more that the site will teach us about Europe’s distant past,” Zelenkov said.

    This content was originally published here.

  • Petals From This Flower Look Like Tiny Humming Birds

    Petals From This Flower Look Like Tiny Humming Birds

    A fascinating photo was recently posted to Reddit by the user “OctopusPrime,” showing flowers that looked just like hummingbirds. People commenting on the thread discovered that the plant was a Pareidolia.

    These flowers do not always look like hummingbirds, but because of how the petals grow, sometimes they do appear to show wings. Some experts who have found these plants in the wild also suggest that they sometimes look like butterflies.

    A postdoc scientist studying the evolution and ecology of flowers commented on the post, explaining some of the science behind the photo.

    Photo Credit: Reddit

    “This plant inhabits remote and arid Australia. The fact that the flower looks like a bird to humans cannot have evolved adaptively because as a signal receiver, there is nothing humans could have done to increase the fitness of individuals that evolved this signal (to look like a bird). Unless indigenous Australians in arid Australia bred or traded the plant because it looks like a bird,” the Reddit user SolitaryBee said.

    “We have no evidence for ornamental horticulture in indigenous Australian culture, further, the scarcity of water and food makes this a waste of resources, therefore highly improbable. Now one could argue that today, the plant has increased fitness because it is traded and bred due to its appearance. But that does not say anything about the selection that gave rise to the traits we find so interesting,” the anonymous scientist added.

    Photo Credit: bgpa.wa.gov.au

    The scientist’s post went on to explain that this is most likely an optical illusion, that is experienced only by humans based on our point of reference and how we perceive the world around us.

    Most animals probably don’t recognize this plant as being the same shape as a bird. In fact, if this plant appeared to be a bird to other plants and insects, it would probably never get pollinated. This is because birds are predators to bees, so they would avoid the flower instead of pollinating it.

    In the Reddit thread where the photo originated, there is a lively and intelligent discussion about the evolution of plants.

    Below are some other photos, showing the flower species from different angles.

    Photo Credit: Cressflower

    Photo Credit: australianseed

    Photo Credit: Atlas of Living Australia

    This content was originally published here.

  • Love Island’s Elma admits she LIED about her age to get on the show

    Love Island’s Elma admits she LIED about her age to get on the show

    LOVE Island’s Elma Pazar has admitted she LIED about her age to get on the reality show.

    The eyelash technician was voted out of the villa last week, shortly after coupling up with Anton Danyluk.

    Love Island’s Elma Pazar has admitted she LIED about her age to get on the reality show
    Getty – Contributor

    Following her exit, Elma spoke to Kem Cetinay and Arielle Free on the Love Island Morning After podcast about her time in the villa.

    She revealed: “I lied about my age on Love Island. I tell everyone I’m 23, it’s a real issue.

    “I’m 26 but now everyone knows it because they said they couldn’t lie for me.”

    Elma previously revealed to The Sun Online how she was desperate to couple up with Joe Garratt – but he was already partnered with Lucie Donlan.

    Elma had tried to say she was 23 when she applied for the show when she’s actually 26
    ITV

    Elma admitted the Essex lad was her real type in the villa and she would’ve loved to get to know him had he been single.

    Asked to reveal who really turned her head on the ITV2 show, she exclusively told The Sun Online: “Having gotten to know them all and living with them all, I think Joe.

    “He’s a southerner like me and he’s really nice.

    “He has a certain banter, and you get on with some people more than others and I think I really got on with him.”

    Elma coupled up with Anton during her stay but was voted off soon after
    ITV

    Meanwhile Elma’s former Love Island partner Anton was branded a “s**t stirrer” on tonight’s show.

    Anton and Curtis Pritchard both gave their two pence worth on Molly-Mae’s relationship with Tommy Fury after she was branded a “money-grabber” in the Tweet Challenge.

    AT PEACE

    Dog The Bounty Hunter’s wife Beth Chapman dies aged 51 after cancer fight

    CLAWS ARE OUT

    Love Island could face Ofcom probe after 192 viewers claim Danny was BULLIED

    DADDY RIDDLE

    Corrie’s Emma devastated when her dad dies as mum Fiona Middleton returns

    ‘ONE OF LIFE’S GOOD GUYS’

    EastEnders and Z Cars actor Douglas Fielding dead aged 73

    WANT TO SEE AMOR

    Casa Amor Love Islanders spotted at Majorca airport ahead of villa swap

    Pore Holly

    Holly Willougby & This Morning viewers squirm as guest has her spots popped

    Elma didn’t want people to know her real age
    Rex Features

    When Tommy, 20, asked if his friends thought Molly-Mae, 19, was playing a game with him, Anton replied: ““It’s not for me to say, mate, it’s got nothing to do with me.

    “You know what your relationship is like, it’s not for me to say.”

    However, the Scott, 24, privately told his pals he didn’t think the couple would last outside the villa.

    This content was originally published here.

  • WATCH: Willow Smith Tells Her Mother And Grandmother That She Considers Polyamory | Daily Wire

    WATCH: Willow Smith Tells Her Mother And Grandmother That She Considers Polyamory | Daily Wire

    Willow Smith, the daughter of movie star Will Smith and actress Jada Pinkett Smith, “came out” to her mother and grandmother during another episode of the Facebook web series, “Red Table Talk,” in which she expressed interest in polyamory with both men and women.

    According to Pink News, the 18-year-old said that her ideal relationship would be with both a man and a woman as part of their talk about “unconventional relationships.”

    “Personally, male and female, that’s all I need,” said Willow Smith.

    Appearing surprised by Willow’s admission, Jada Pinkett Smith replied, “Well, there it is … I think my stomach just [jumped].”

    Regardless, Jada said she simply wants her daughter to be happy.

    “Listen, you know me Willow, whatever makes you happy,” said the “Matrix: Reloaded” actress.

    “I love men and women equally and so I would definitely want one man, one woman,” Willow elaborated. “I feel like I could be polyfidelitous with those two people. I’m not the kind of person that is constantly looking for new sexual experiences. I focus a lot on the emotional connection and I feel like if I were to find two people of different genders that I really connected with and we had a romantic and sexual connection, I don’t feel like I would feel the need to try to go find more.”

    The episode then segued into an interview with an actual polyamorous couple — one man and two women — which led Jada Pinkett Smith to reveal she and Will Smith have had a non-sexual sort of relationship with his ex-wife, actress Sheree Zampino.

    “[The reason polyamory is] not so foreign for me is that I’ve had a non-sexual throuple for years with Sheree,” said Pinkett Smith. “When you have your husband that is taking care of another woman and spending time with another woman, it’s the same thing.”

    Despite Jada Pinkett Smith’s support for Willow’s newfound sexuality, her grandmother admitted that she would not be too “excited” to see her granddaughter in multiple relationships at once.

    “I would not be excited about that,” said Willow’s grandmother.

    “Love is universal,” Willow Smith fired back. “There’s so many different types of people in this world and so many people to learn from, and I don’t see the benefit in … not putting myself in a position to learn as much as I possibly can from as many people as I possibly can.”

    The “Red Table Talk” has become a place where the Smith family reveals some outlandish (and rather personal) details about their own lives. Recently, Jada Pinkett Smith revealed she struggled with a porn addiction in her youth.

    “If I [were] still on my porn game, I’d be able to show you some good porn,” Jada admitted to her co-hosts, daughter Willow and her mom Adrienne. “Back in the day I had a little porn addiction, but I wasn’t in a relationship when I had a porn addiction, believe it or not, thank goodness.”

    Later on, Jada Pinkett Smith said she felt she used the term “‘addiction’ a little lightly,” adding that she would classify it as an “unhealthy” relationship with porn.

    “And maybe I’ll say now that I had an unhealthy relationship to porn at one point in my life where I was trying to practice abstinence,” said Jada.

    In June 2018, Jada Pinkett Smith quite explicitly told her then-17-year-old daughter Willow that she had given herself “multiple orgasms” at that age.

    “I think by your age I gave myself multiples first. Multiple orgasms. Yep, I did,” Jada said at the time. “I was really into it at one point just because I was in an exploration state and I was abstaining from men. I actually think I went through kind of an addiction too with it. Then one day I was like, ‘Enough, you’re having five orgasms a day.’”

    This content was originally published here.

  • Robot dog for companionship

    Robot dog for companionship

    The robo-dogs and robo-cats are made by Ageless Innovation and marketed to seniors with the motto, “No vet bills, just love.” The animals are available for purchase for $99.99 to $119.99. They have built-in sensors that respond to touch and motion, and the cats take a “nap” after repeated petting. The dogs respond to sounds and even have a heartbeat. “They bark, they nuzzle,” says Cortés-Vázquez. They’re “a wonderful way to replace that same gratification and tenderness and joy that you once had with your pets.”

    Buddy reminds Minggia of her beloved cocker spaniel, Honey, whom she had to give to her sister when she moved to NYC to care for her aunt. Minggia hopes to get a real dog again at some point, but, given that she has numerous ailments of her own, including a rare autoimmune disease and a recent lung cancer diagnosis, Buddy is a great, low-maintenance substitute. “You know there’s mechanics in the center of him, so he’s not squishy,” she says. But “I don’t have to clean up after him, I don’t have to walk him. He brings me joy.”

    source

  • insect robot has four wings and weighs under a gram

    insect robot has four wings and weighs under a gram

    A solar-powered winged robot has become the lightest machine capable of flying without being attached to a power source. Weighing just 259 milligrams, the insect-inspired RoboBee X-Wing has four wings that flap 170 times per second. It has a wingspan of 3.5 centimetres and stands 6.5 centimetres high. The flying robot was developed by Noah Jafferis and his colleagues at Harvard University. Its wings are controlled by two muscle-like plates that contract when voltage passes through them. They are powered by six tiny solar cells weighing 10 milligrams each,which are located above the wings so as not to interfere with flight. The insect robot’s wings begin flapping when exposed to light. Currently, it has only been tested in the lab, where it is powered by a combination of halogen and LED lighting, says Jafferis.

    Limited by the positioning of the artificial lighting, the robot normally flies for around half a second before it leaves the field of light. The robot currently requires the equivalent of three times the intensity of natural sunlight, so isn’t yet able to fly outside. Jafferis says the robot could one day be used for monitoring the environment or manoeuvring through small spaces. “It’s very light for its size,” he says. “If you needed to land on a leaf, you could, whereas a commercial quadcopter would be too heavy to do that.” In future versions, the team hopes to enable the robot to fly in sunlight and incorporate sensing mechanisms. “It can then really control what it’s doing when it’s flying around,” says Jafferis.

    Other researchers at the University of Washington have created a 43-milligram robot that flies with no moving parts, but it still requires external wires for power. Unlike the RoboBee X-Wing, the powered robot propels itself upwards using electrohydrodynamic thrust. An electric field creates charged air molecules that smack into neutral air molecules, generating upward momentum.

    Journal reference: NatureDOI: 10.1038/s41586-019-1322-0

  • Rome doctors warn of health hazards from city’s garbage woes

    Rome doctors warn of health hazards from city’s garbage woes

    Doctors in Rome are warning of possible health hazards caused by overflowing trash bins in the city’s streets, as the Italian capital struggles with a renewed garbage emergency aggravated by the summer heat. Trash disposal is a decades-long problem for the Eternal City. Rome was left with no major site to treat the 1.7 million metric tons of trash it produces every year since the Malagrotta landfill was closed in 2013. Successive mayors from different parties have all proved incapable of solving the city’s garbage woes, which have re-emerged dramatically since Mayor Virginia Raggi of the populist 5-Star Movement took the helm three years ago. Raggi’s administration is facing frustration and anger from both tourists and Romans over the piles of trash that threaten peoples’ health and tarnish the city’s image.

    “We’ve become the third, fourth world in my opinion,” said Rome resident Rossana Franza. “Mrs. Raggi should take a small stroll here once and a while. Because in her neighborhood, which I have been to, it is all in order.” Another woman living in Rome who only gave her name as Alessia told The Associated Press that a rat walked by her the other day and she cannot even go outside in the evenings because “there’s an incredible stink.” Animals like dogs, cats and rats or even birds like seagulls pose a serious health risks as they root around in garbage and spread bacterial infections through their waste or urine, Dr. Roberto Volpe from the National Research Council CNR told The Associated Press. “The main risk for us comes when we take out and throw the trash away,” Volpe warned. “There’s a risk of taking the contamination back home with us. That’s why it’s important to wash our hands properly afterward.”

    Volpe also discouraged angry citizens from setting garbage piles on fire, saying that could cause greater health risks through dioxin contamination, which can lead to cancer. Officials in Rome, who are often at odds over the possible solutions to the constant waste emergency, do agree on one thing: the garbage problem needs a long-term solution. “Let’s be honest … no waste plan can solve a problem aggravated by 60 years of mismanagement in one year,” said Marco Cacciatore, president of the local commission for environmental and city politics in Rome. “Let’s tell the truth to citizens: We are human. This difficult infrastructural situation cannot be resolved in the short term.”

    source