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亲爱的公主病

一 |     Major housing industry groups voiced "profound concern" in a letter this week urging the Federal Reserve to stop raising interest rates.The rare public admonishment from top business advocates -- including the National Association of Realtors and the National Association of Home Builders -- underscores a dramatic slowdown in the housing market due in large part to rising interest rates.The letter arrives roughly three weeks before the Fed plans to make its latest rate-hike decision.Mortgage rates have reached their highest level in more than two decades and they have continued to rise. Data released on Thursday showed that mortgage rates increased for the fifth consecutive week, according to Freddie Mac."The speed and magnitude of these [mortgage] rate increases, and resulting dislocation in our industry, is painful and unprecedented," the letter from the housing groups said.Here's what to know about why real estate groups called on the Fed to stop raising rates:

What's happening in the housing market?

Sky-high mortgage rates have dramatically slowed the housing market, since homebuyers have balked at stiff borrowing costs and home sellers have opted to stay on mortgages that lock them into relatively low rates.Mortgage applications have fallen to their lowest level since 1996, the Mortgage Brokers Association said earlier this month.Sales of previously owned homes, meanwhile, have plummeted more than 15% compared to a year ago, the National Association of Realtors found in August.The slowdown has coincided with a sharp rise in costs for potential homebuyers.The average interest rate for a 30-year fixed mortgage has climbed to nearly 7.6%, Freddie Mac data shows.When the Fed initiated the rise of bond yields with its first rate hike of the current series in March 2022, the average 30-year fixed mortgage stood at just 4.45%.Each percentage point increase in a mortgage rate can add thousands or tens of thousands in additional costs each year, depending on the price of the house, according to Rocket Mortgage.

What role is the Federal Reserve playing in the housing market slowdown?

An aggressive series of interest rate hikes at the Federal Reserve since last year has pushed up the 10-year Treasury yield, which loosely tracks with long-term mortgage rates.The Fed has fought elevated inflation with borrowing cost increases as it tries to slash price hikes by slowing the economy and choking off demand.While inflation has fallen significantly from a peak of about 9% last summer, price increases remain more than a percentage point higher than the Fed's inflation target.Price increases held steady in September, fresh data on Thursday showed, suggesting that elevated inflation remains resistant to the interest rate hikes.The persistence of elevated inflation has prompted the Fed to espouse a policy of holding interest rates at high levels for a prolonged period, which in turn has increased the 10-year Treasury yield and put upward pressure on mortgage rates.Moreover, the Fed expects to raise rates one more time this year, according to projections released last month.Speaking at a press conference in Washington, D.C., last month, Fed Chair Jerome Powell acknowledged the continued effect of interest rates on mortgages, noting that activity in the housing market "remains well below levels of a year ago, largely reflecting higher mortgage rates."

What do the housing industry groups want the Fed to do?

Housing industry advocates want the Fed to take swift actions that reassure investors and other market participants of an end to the policies cooling the industry.Most notably, the industry groups want the central bank to release a statement saying that it has abandoned consideration of additional rate hikes.In their letter to Fed officials, the housing groups cautioned that a further slowdown in real estate could help tip the U.S. economy into a recession, scuttling the central bank's effort to achieve a "soft landing.""We urge the Fed to take these simple steps to ensure that this sector does not precipitate the hard landing the Fed has tried so hard to avoid," the letter said.。北京时间1月12日凌晨,据美国科技博客Verge称,知情人士透露,美国电信运营商Verizon正在测试游戏流媒体服务,这将成为该公司的一个重要新项目。据悉,Verizon游戏已初步开发并在英大盾机顶盒上运行,最终将进入安卓智能手机。在这两种情况下,可以使用一对Xbox One手柄控制服务。Verizon还没有公开发布这项服务,甚至还没有承认它的存在。Verizon一直在悄悄地招募玩家参加这项测试,目前包括135场比赛。该公司承诺在测试完成后向参与者提供一张价值150美元的亚马逊礼品卡。在测试过程中,他们可以免费获得Nvidia Shield、Xbox One句柄和登录帐户。Verizon游戏应用程序将预先安装在公司提供的屏蔽设备上,Verizon将在本月晚些时候通过Google Play秘密向测试人员提供该应用程序。该项目的试运行预计在本月底完成。Verizon游戏屏幕截图显示,平台将包括“堡垒之夜”、“狂野保镖:救赎2”、“战神”、“第五场”和“命运2”。如果内容是真的,这将是一个伟大的游戏组合,因为军阀目前只在游戏站4上可用,而荒野保镖:赎回2还没有提供PC接口。然而,这些图片可能只是占位符。为了回应测试人员对延迟和糟糕体验的抱怨,Verizon目前专注于基本问题,而不是游戏选择。

二 | ”测试的重点是性能。“在最近发给测试参与者的一封电子邮件中,Verizon游戏团队写道,”在后一阶段,当我们推动产品前进时,游戏库将包含您熟悉的大多数或所有游戏-但在早期阶段,我们主要关注引擎及其组件。”因为Verizon游戏仍在它还处于初级阶段,所有游戏都没有保存选项。玩家每次都必须从头开始。“vzg”徽章出现在许多游戏中,测试参与者提供的图片也表明,utomik的软件似乎是Verizon游戏的一部分。Verizon Gaming可以使用AutoMik技术作为此项服务的基础。这些测试表明,Verizon也在推进云计算游戏策略,允许用户在更现代的设备和平台上运行游戏。微软已经在开发Xcloud项目,谷歌正在测试项目流,亚马逊也在开发自己的游戏服务。Verizon也可以借此机会展示其5G网络的速度。5G的低延迟和高速传输可以解决游戏流媒体应用面临的诸多障碍。Verizon还可能将该服务添加到公司的家庭和移动数据包中。去年11月,该公司开始招聘“云游戏产品经理”,进一步证明了Verizon Gaming是一项5G优化服务。云游戏产品经理负责提供下一代游戏体验,充分利用Verizon 5G网络连接的能量和带宽,”该公司当时在招聘公告中写道。Verizon也在招聘5G移动游戏产品经理和视频游戏开发商。但由于5G的部署需要一段时间,Verizon仍在Wi-Fi网络上进行测试。

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Published on:20:29:56


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