 Rates for Jumbo loans are very close to the rates for conventional loans.
If you’re not familiar with jumbo mortgages, these are bigger loans that are not backed by a government guarantee from Fannie Mae or Freddie Mac. Jumbos are typically in the $417,000 to $750,000 range. Prior to the financial crisis, their rates were around.25% higher than conforming loans, and after the crisis the gap widened to as much as 1.8%, an indicator of the flight of private capital.
In September, something changed. Today, we’re seeing both Jumbo and conventional loans with Annual Percentage Rates (APRs) that are very close – low to mid 4’s. It’s only been a month but we may be witnessing a trend.
Opinions vary, of course. Some observers think that banks with excess capital to lend are feeling pressure to put this money to work, which may be leading to higher demand for jumbo loans and thus lower rates. Another interpretation is that the fees charged by Fannie and Freddie to guarantee loans have increased in recent years, making conventional loans more expensive, which would help close the gap with jumbo loans.
Those who favor more private market involvement within the mortgage industry may see falling jumbo mortgage rates as the first step on the path toward private options for conventional loan amounts. After all, at some point working with Fannie and Freddie may become prohibitively expensive.
It’s too early to tell if this trend will continue, but I’ll be tracking it over the coming months.
No matter what the trend, if you’re in the market for a Jumbo loan, give me a call.
*Read more here and here.As a freelance artist, you must be aware, then, that people come up with sob stories when it’s convenient for them. They try to manipulate others into doing the work for free and push a problem onto the artist, just like you’re doing here. If the artist is dealing with health issues, financial issues, and is trying to find work opportunities that PAY, then good for them for supporting themselves and valuing their time.

The CB said it wasn’t that much money that the artist was asking for, and also decided to insult his work and the fact that her free commission wasn’t fast enough. I’m just trying to figure out at which point you determined it made sense to side with the CB. Get off your high horse and check your own moral compass. Also, I liked the part at the end where you wished the artist well in an attempt to sound more human 👌Q: PHP Storm code help, file included from another but PHP Storm does not know about it I have a project where there are three files:  
Class Master.php
Class Child.php
File  config.php  
Master.php includes first config.php and then Child.php through require_once.  
In config.php I have a global $variable.
In Child.php I use that $variable but PHP Storm is not aware about it.  
The code helper only works if I include the config.php file directly in child.php.  
Question:
How can I tell PHPStorm that Child.php is called from Master.php, so all includes from Master also apply for Child?

A: As already said in the comments :
PhpStorm does not track variables in over different required files, but you can always use PHPdoc to make PhpStorm aware of it :
/** @include config.php */

or
/** @var $variable */

People in the west are finally waking up now, it seems. A few years ago I made a post at r/soccer about how Chelsea, City and PSG fans have blood on their hands because of the ownership of their clubs.  

It’s not super relevant to todays situation. But I’m inclined to believe a similar statement today about clubs with Russian bankrollers wouldn’t face half as aggressive reactions. At least not from people in the west.﻿// <auto-generated />
using System;
using Microsoft.EntityFrameworkCore;
using Microsoft.EntityFrameworkCore.Infrastructure;
using Microsoft.EntityFrameworkCore.Metadata;
using Microsoft.EntityFrameworkCore.Migrations;
using Microsoft.EntityFrameworkCore.Storage.ValueConversion;
using ProjectEstimator.Api.Data;

namespace ProjectEstimator.Api.Data.Migrations
{
    [DbContext(typeof(AppDbContext))]
    [Migration("20200331231904_InitialRateProfiles")]
    partial class InitialRateProfiles
    {
        protected override void BuildTargetModel(ModelBuilder modelBuilder)
        {
#pragma warning disable 612, 618
            modelBuilder
               .HasAnnotation("ProductVersion", "3.1.3")
               .HasAnnotation("Relational:MaxIdentifierLength", 128)
               .HasAnnotation("SqlServer:ValueGenerationStrategy", SqlServerValueGenerationStrategy.IdentityColumn);

            modelBuilder.Entity("ProjectEstimator.Api.Models.RateProfile", b =>
                {
                    b.Property<Guid>("Id")
                       .ValueGeneratedOnAdd()
                       .HasColumnType("uniqueidentifier");

                    b.Property<bool>("Active")
                       .HasColumnType("bit");

                    b.Property<int>("BuildingPlumbing")
                       .HasColumnType("int");

                    b.Property<int>("CoreExteriorDoors")
                       .HasColumnType("int");

                    b.Property<int>("CoreInteriorDoors")
                       .HasColumnType("int");

                    b.Property<int>("CoreLobbyMain")
                       .HasColumnType("int");

                    b.Property<int>("CoreLobbyUpper")
                       .HasColumnType("int");

                    b.Property<int>("CoreRestroom")
                       .HasColumnType("int");

                    b.Property<int>("CoreVestibules")
                       .HasColumnType("int");

                    b.Property<int>("CurtainWallSystem")
                       .HasColumnType("int");

                    b.Property<double>("DesignEng")
                       .HasColumnType("float");

                    b.Property<int>("ElecServ")
                       .HasColumnType("int");

                    b.Property<int>("ElevatorPitConcrete")
                       .HasColumnType("int");

                    b.Property<int>("ElevatorShaftWalls")
                       .HasColumnType("int");

                    b.Property<int>("EntryCanopyRoof")
                       .HasColumnType("int");

                    b.Property<int>("EntryCanopySteel")
                       .HasColumnType("int");

                    b.Property<double>("FireAlarm")
                       .HasColumnType("float");

                    b.Property<double>("FireProtectionSystems")
                       .HasColumnType("float");

                    b.Property<int>("FireProtectionSystemsUnderCanopies")
                       .HasColumnType("int");

                    b.Property<double>("HvacDesign")
                       .HasColumnType("float");

                    b.Property<int>("HydraulicElevator")
                       .HasColumnType("int");

                    b.Property<int>("JanitorClosetPlumbing")
                       .HasColumnType("int");

                    b.Property<int>("JanitorClosets")
                       .HasColumnType("int");

                    b.Property<double>("MechScreen")
                       .HasColumnType("float");

                    b.Property<int>("MepRooms")
                       .HasColumnType("int");

                    b.Property<int>("MepShaftWalls")
                       .HasColumnType("int");

                    b.Property<double>("MiscExteriorWindowAndWallFlashings")
                       .HasColumnType("float");

                    b.Property<int>("MiscellaneousSteel")
                       .HasColumnType("int");

                    b.Property<int>("RestroomPlumbingFixtures")
                       .HasColumnType("int");

                    b.Property<double>("RoofRelatedSheetMetals")
                       .HasColumnType("float");

                    b.Property<double>("RoughCarpentry")
                       .HasColumnType("float");

                    b.Property<double>("ScPaint")
                       .HasColumnType("float");

                    b.Property<int>("Skylights")
                       .HasColumnType("int");

                    b.Property<double>("SlabPrep")
                       .HasColumnType("float");

                    b.Property<int>("StairWellWalls")
                       .HasColumnType("int");

                    b.Property<int>("StorefrontWindowSystems")
                       .HasColumnType("int");

                    b.Property<double>("StructuralExcav")
                       .HasColumnType("float");

                    b.Property<int>("UpgradeElevatorCabFinish")
                       .HasColumnType("int");

                    b.Property<int>("WaterBelGradeWall")
                       .HasColumnType("int");

                    b.Property<int>("WaterproofElevatorPit")
