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Month: February 2018

California Home Loans With New FHA Guidelines

For those in California home loans with the FHA are coming under new guidelines beginning January 1, 2010. People in California need to be aware of the changes so that they can make the best decision for their own finances. Congress recently passed a bill that will extend the current FHA loan limits for 2010. Current California FHA loan limits are capped at $ 625,500 in specified high cost regions. What are the changes and what do they mean? Current California home loans with the FHA are reliably easy to get. They require no appraisal at this time. There is no maximum loan to value ratio and there is no asset verification. Income verification is not required and lower credit scores can qualify. And right now, because of the lack of these traditional restrictions, there are quick turn-rounds available on these loans. This has made California FHA loan refinances extremely popular with many people looking to lock in a lower rate. But time has become of the essence. This is going to change at the beginning of 2010. On January 1, 2010, California mortgage loans with the FHA will become more difficult to get. If the home owner wants to roll his closing costs into the mortgage, an appraisal is going to be required, and it is now recommended in all cases. Without an assessment, the new loan amount...

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One Bad Decision Can Cost a Hospital Millions

Things can go wrong without the right team in place I recently read an article that was attempting to explain the cost overrun experienced by a hospital during the launch of their new EMR. The article was clear on what caused the overrun but failed to communicate why the decision was made that created the cause. In many hospitals, emotions can run high fueled by attitudes of resistance to change. The pressures and stress associated with go-live can be a challenge to manage; however, allowing those forces to affect decision-making can have lasting adverse financial effects. When all planning, budget, constraints, and common sense that should be applied are set aside, you can almost always expect the worse. It may feel like appeasement is the right thing to do to relieve the stress, but it may not be the best thing. Sticking to the plan, and staying within the budget should always be the guiding factor that drives decisions even when the pressure is great. It’s unfortunate, but some decisions are based on problems that may not exist at all but are only perceived based on excessive negativity. Having an experienced team in place that can help make decisions based on fact is vital. Negotiating Skills Do Pay Off! When doing logistics, treat it like it’s your money Getting one of the best hotels in the city to give...

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Why Does My Cat Bite Me First Then Lick Me?

If you’re a cat owner you’ll sometimes be puzzled by your cats behavior, especially when they give you a nip or bite and then lick you straight afterwards. This kind of behavior is very normal among cats as it’s regarded as a sign of affection and not aggression. What your feline friend is trying to tell you is, they Love You, it’s their way of giving you a kiss! Sometimes their cat kisses can seem more like a bite or a sharp pinch which can hurt. Remember don’t get angry at your cat as you can confuse the poor puss. If your feline friend gives a firm love bite than just be firm and say No! In time your cat will understand it’s still OK to show affection but not to cause you pain. The reason they do this is not to hurt you, they are simply kissing you like they would normally kiss another cat. Because cats have thick fur and their nerve endings in their skin aren’t close to the skins surface like ours, they need to nip harder in order to express their affection. For a cat, this type of affection is quite acceptable, but as a pet owner it’s not the most pleasant experience being bitten. To stop this type of behavior you can train your cat not to bite, although this can take some...

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Foods That Make Your Penis Bigger in a Month

Are you looking to add inches to your penis size? Try these Foods That Make Your Penis Bigger. These proven Foods That Make Your Penis Bigger have been tested and are guaranteed to make you gain 2-3 inches, on one condition, If you combine them with the proven specific techniques that I have Used myself to gain 2 inches to my already 7 inch length. What you need to do is get these Foods That Make Your Penis Bigger and you will see results in a month. Not drastic results, that will take a few months, but you will notice some growth if you stick with it. 1. Bananas- This is my favorite one. In my experience, it’s very easy to eat because you could do it anytime, for lunch, breakfast, etc. It is a great source of potassium. Potassium is excellent for the heart and blood circulation, therefore a must have for increasing your size. 2. Oysters- Have you ever wondered why this food has such a “sexual” reputation? Oysters Are a penile enlargement diamond, because it is rich in Zinc and vitamin B6, both of which are crucial for raising testosterone, and without which you would have the sex drive of a Door Knob. 3. Salmon- This fish is great for increasing your size. It has omega-3 fatty acids which make the blood less sticky, thus enhancing...

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How Much Force Can Our Bones Handle Before They Break

You have known all along that your bones are the strongest part of your body. As they are assigned to give your body a structure, to hold your posture up and to protect your internal organs, your bones have to maintain their strength at all times. Of course, you cannot prevent external and unexpected circumstances from damaging your bones. But as much as you can, you can prevent it from happening. Probably one of the best ways which you can protect your bones is to know just how much force they are capable of handling before they reach their breaking point. Your bones are really strong. In fact sometimes they are even considered as stronger than steel. But in principle, if you divide your bones by cubic inch sizes each can handle the weight of any object equivalent to 19,000 lbs or approximately 8,626 kilos. However, considering force requires a different understanding. As most experts say, your bones can handle weight in various ways depending on the force with which they are delivered. The more force you apply to a bone, the easier it is to break it. In some studies, it was found out that bones can handle about 3,300 Newton of force if thrown into a rib and up to 4,000 Newton if released onto the femur. The ribs can take a smaller amount of force because...

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