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![]() Borrowers can contact their servicer to discuss whether this is an appropriate solution for their unique circumstances.How to Accelerate Repayment with Loan Amortization Payment deferral will help borrowers keep the same monthly mortgage payment by moving past-due amounts to the end of the loan as a non-interest bearing balance, due and payable at maturity, sale, refinance, or payoff. Update: The Federal Housing Finance Agency (FHFA) has announced on 2 that Fannie Mae and Freddie Mac will allow borrowers facing financial hardship to defer up to six months of mortgage payments. buy decision.īest wishes for an affordable home mortgage loan and a great new home! You should consider all these factors, especially when making a rent vs. Some expenses (e.g., property taxes, homeowner's insurance etc.) will continue even after you have paid off your loan. If you opt for ARMs, your mortgage interest rates (and monthly payment) will change over time. Some of the recurring expenses will change over the lifetime of home ownership due to home value changes, inflation and other factors. Savings such as tax deductions on your mortgage payments.Certain recurring costs associated with home ownership (e.g., utilities, home warranty, home maintenance costs etc.).The mortgage calculations do not include the following costs and savings: PITI refers to Principal, Interest, Taxes and Insurance.Taxes, PMI, Insurance & Fees includes property taxes, PMI, Homeowner's Insurance and HOA Fees.You can print OR share a custom link to your mortgage calculation, with all your numbers already pre-filled, with your friends & family.All extra payments pay down the principal and help reduce the loan tenure.Bi-weekly payments (aka 'Accelerated Bi-weekly', 'True Bi-weekly' or 'Bi-weekly applied bi-weekly') help reduce your total interest cost and accelerate mortgage payoff.One-time expenses can include closing costs (including discount points) and any money spent on one-time repair or renovation of the property.You also have the choice of entering exact dollar amounts instead, if desired. ![]() You can enter down payment, one-time expenses, property taxes and homeowners insurance as a percentage of the home value and PMI as a percentage of the mortgage amount.Although you may not pay property taxes and insurance on a monthly basis, it is factored into the total monthly payment with the assumption that you are setting aside this amount (through escrow / impound account or some other means) every month.You should override and enter your own estimates, if required. These averages may not be accurate for your particular situation. PMI, property taxes and homeowners insurance (aka hazard insurance OR home insurance) are defaulted to national averages in the US.The actual PMI is based on your loan-to-value (LTV), credit score and debt-to-income (DTI) ratio. Private Mortgage Insurance (PMI) is calculated only if down payment is less than 20% of the property value (i.e., loan-to-value ratio is higher than 80%) and stops as soon as the outstanding principal amount (balance) is less than or equal to 80% of the home value.You should take into account loan limits on conventional loans set by FHFA.If you are refinancing your loan, you should treat the down payment amount as the equity you own in your home. The difference between home value and the mortgage amount is considered your down payment.Here are a few important points to help you understand the mortgage calculations: ![]() A table showing the difference in payments, total interest paid and amortization period under both schemes is also displayed. Many homeowners wish to accelerate their mortgage schedule through extra payments or accelerated bi-weekly payments. ![]() You are presented with a detailed mortgage payment schedule. It also calculates the sum total of all payments including one-time down payment, total PITI amount and total HOA fees during the entire amortization period. This free mortgage calculator helps you estimate your monthly payment with the principal and interest components, property taxes, PMI, homeowner’s insurance and HOA fees. ![]() ![]() Rule #5: No questions about building/buying computers, hardware, peripherals, furniture, etc Those questions would be more appropriate for the game's subreddit if it exists. General game related discussion is allowed, but game-specific help requests (how to defeat a certain boss or level, what loadout is best for my character, etc) and basic questions (is a game co-op, does this game have controller support, etc) aren't. Tech support questions can be posted in our stickied tech support thread. Rule #4: No tech support or game help questions Low effort posts/comments and submissions not attempting to create discussion are prohibited. This includes contextless images/screenshots/GIFs as well as anti-platform or PCMR language such as "master race" and calling people peasants. Rule #3: No memes, PCMR language, or low-effort posts/comments No affiliate or referral links: This includes Amazon, GMG tap links, Star Citizen, etc.ĭevelopers must be verified before posting about their projects and, once they are, are not bound by rule #2. Discord, TeamSpeak), contextless website or subreddit links, and listings on eBay or other sales platforms. Rule #2: No advertisementsĪds include, but are not limited to, chat/game server & community recruitment (i.e. Please see our full rules on piracy here. Please see our full rules on self-promotion here. Rule #1: No spam, porn, or facilitating piracy ![]() No calls for violence against any groups or individuals.Īny account less than 90 days old may be permanently banned on the first infraction of this rule. ![]() No racist, sexist, homophobic, transphobic or other hateful language. This includes calling or implying another redditor is a shill or a fanboy. No personal attacks, witch-hunts, or inflammatory language. Looking for help with building or buying a PC? Check out /r/buildapc! | For all tech support questions please use the sticky! Join /r/pcgaming on Discord To check out our previous AMAs, click here. If you would like to schedule an AMA on /r/pcgaming please send us a message via modmail. ![]() ![]() On the second attempt, the ActiveX controls will register properly. Once you have uninstalled the program, reinstall it. Go to Control Panel and uninstall the program. When prompted to reboot, select Nein for “No” and then click on Beenden or “End” to exit the installation program. Don’t be concerned about any registry key warnings, this installation of EDIABAS will never be used. Press any key to exit the EDIABAS OBD setup program. This is normal, upon re-installation everything will work properly.Ĭlick on OK and then click on the large red circle with a white X at the bottom of the screen to see the second regsvr32 error.Ĭlick on OK to acknowledge the second error. The very first time you attempt to install EDIABAS & WinKFP (step 3), regsvr32 will fail to register two Windows ActiveX controls. During the EDIABAS & WinKFP install (step 3), select Windows XP (this is not mentioned in the installation guide.) For all other selections, accept the default and click Weiter which is German for “further.” Windows 7 Service Pack 1 (KB976932): …s.aspx?id=5842ĭuring testing pre-SP1 Windows 7 no longer displayed a mouse pointer after successfully installing EDIABAS & WinKFP and rebooting the system.įollow steps 2 through 6 of the installation guide. System Update Readiness Tool (KB947821): …s.aspx?id=3132 If your installing from pre-SP1 Windows 7 media, I highly recommend that you manually install two Microsoft updates: Select “Ask me later”, this will prevent Windows 7 from automatically installing any updates. After entering your product key, the following screen will pop up security message. I suggest disabling Windows Update automatic updates during the Windows 7 installation process. I recommend starting with a fresh 32-bit Windows 7 installation in order to collect the necessary INPA 5.0.2 configuration files that you will need after installing BMW Standard Tools 2.12. My netbook is used solely for coding and as such this DIY assumes that your computer is dedicated to this purpose as well. This DIY was tested with Windows 7 Home Premium Service Pack 1 (SP1) running on a circa 2008 Lenovo S10 netbook with a K+DCAN cable from one stop. You will see this screen when you run it: You can just search for OBDSetup.exe using Windows search. Once the install is finished, there will be a folder on your laptop called c:\ediabas\hardware\obd and inside it will be a program called OBDSetup.exe – you need to run this. You need one final step to get it sorted!ġ2. If you try to run it now, it still won’t work because of some duff registry settings. If you didn’t do the “path” setup I described in step 1, you will get another message. You should get an “installation finished” messageġ1. Confirm that you want to start the install (if you’ve previously tried and failed to install, it might ask you whether to delete or rename the existing install – choose Delete)ġ0. Select the interface cable type (the ones on eBay are “OBD” cables)ĩ. Select “complete” for EDIABAS and INPA and click continue (ignore WINELDI / NCS /NFS)Ĩ. Select configuration “BMW Group Rectification programs UK” and click continue (this selection makes INPA run in English which is kind of useful!)ħ. Select the drive to install to and click continueĦ. Run the Instprog.exe program from the \INSTALL\ folderĥ. Unzip the package, either onto laptop directly or onto CD (I used CD so I could move it on to my old XP laptop easily)Ģ. ![]() Installing from hard disk (rather than CD) but only on one laptop, not the other.ġ. These two allow me to do what I want to the car so I don’t need the others. I had some problems trying to install the entire suite of programs, but was successful when I kept the install to INPA and EDIABAS. Reboot (important so that Windows picks up the change to the path) OK OK OK until the system window and control panel are goneĦ. ![]() ![]() ![]() With regard to the diagnosis of pervasive developmental disorders (PDDs) (the categorical title used for the “autism spectrum disorders” in DSM-IV), DSM-5 has introduced several major changes, which include (1) converging the diagnostic groups previously subsumed under the category of PDDs into a single diagnosis of ASD (2) merging the social and communication impairment symptom domains required for the diagnosis of autism into a single domain, thus reducing the symptom domains involved in diagnosis from 3 to 2 (3) expanding the “restricted, repetitive behaviors” symptom domain to include abnormalities in sensory processing and (4) relaxing the age at onset criterion.įor autism and related conditions, the most significant and controversial revision in DSM-5 is the merging of 4 disorders that were distinct under DSM-IV criteria into a single diagnostic category. Furthermore, the applicability of items and concepts taken out of context and without formal training in the assessment processes from which the items are derived may create some significant issues. This approach, while both cost efficient and research focused, comes at the potential price of some loss of “ecological validity.” In other words, in real-world settings, clinicians do not have the time to take weeks of training on a panoply of research instruments. The use of such instruments for research is well known, and often, as in autism, these have been explicitly “keyed” to categorical diagnostic criteria. A second shift in the DSM-5 has been the focus on the use of relevant dimensional and other assessment instruments. Historically, DSM has been used for both research and clinical purposes this differs from the current ICD-10 approach, which has separate manuals for research and clinical work. This decision, understandable particularly from the point of view of more specific and research-based criteria sets, also poses some practical challenges for DSM-5. One is the elimination of “subthreshold” categories, such as pervasive developmental disorder not otherwise specified (PDD-NOS), throughout the manual. "Future research is needed, as concerns remain for impaired individuals, who, because of the change in diagnostic criteria for ASD, may no longer qualify for treatment but still demonstrate a need for services.Before discussing the specific changes, it is important to note 2 overarching conceptual shifts in DSM-5. "Our findings provide further insight regarding how the DSM-5 is being used nationally and internationally to diagnose, or failing to diagnose, those with ASD," Kulage said in a statement. Compared with earlier reviews, the findings suggested smaller decreases in ASD diagnoses. Overall, 28.8 percent (P = 0.06) of individuals diagnosed with DSM-IV-TR but not DSM-5 ASD would qualify for social communication disorder. The researchers found that use of DSM-5 criteria indicates reductions in the diagnosis of ASD (20.8 percent P < 0.001), DSM-IV-TR autistic disorder (10.1 percent P < 0.001), and Asperger syndrome (23.3 percent P = 0.001) a nonsignificant decrease was seen in pervasive developmental disorder-not otherwise specified (46.1 percent P = 0.52). ![]() Kulage, M.P.H., from the Columbia University School of Nursing in New York City, and colleagues examined changes in the frequency of ASD diagnoses since the DSM-5 publication in a five-year follow-up systematic review and meta-analysis. ![]() ![]() ![]() A great choice for candidates who want their work experience to speak for itself. It’s a black-and-white design that uses capital letters to highlight the resume sections. This free resume template for Word proves that. Great for an artist’s resume or a resume for performing arts.ĭownload it here. Show your creative thinking along with your qualifications. Need a creative resume template that you can format in Word with additional space for your headshot? This one is an excellent choice to make you stand out from the crowd. Great choice for a real estate resume or a business owner resume. It’s perfect for confident job applicants who want to highlight their leadership skills. Polished Resume by MOOīored of classic designs? This modern resume template for Word includes a bold choice of color and a dramatic contrast of white space and text. The subtle addition of color makes this resume stand out from classic black-and-white designs.ĭownload it here. That makes it a great choice for a career-change resume as well as a resume for entry-level applicants who explain their motivation in a resume objective. This minimalist Word resume template emphasizes the candidate’s resume profile. See a collection of 15 resume templates for Word that are a great choice for most professional positions: 1. ![]() Best Word Resume Templates With Free Download ![]() The company does best at enhancing your resume and helping market yourself better to land the job you love. One of our users, Chris, had this to say: Sample resume made with our builder- See more resume examples here. ![]() ![]() ![]() For instance, some warning signs might be noticed by a caretaker or parent, and are often red flags that the child needs medical attention. Some signs are easier to spot than others. It’s not always easy to spot sexual abuse because perpetrators often take steps to hide their actions. Signs that a child may have been sexually abused Learning the warning signs of child sexual abuse is often the first step to protecting a child who is in danger. These crimes can have a serious impact on the life and development of a child, and often continue to impact them later in life. 1 Child sexual abuse can include sexual contact with a child, but it may also include other actions, like exposing oneself, sharing obscene images, or taking inappropriate photos or videos of a child. Patten’s report said there were no cases of alleged rape, but there were allegations of many other forms of assault, including “invasive body searches of detainees which include unwanted touching of intimate areas and forced unveiling of women wearing hijab beatings, including in the genital areas threats of rape against women and threats of rape against female family members (wives, sisters, daughters) in the case of men.Every 9 minutes, government authorities respond to another report of child sexual abuse. The allegations were first raised last month by a panel of UN experts who said there “credible allegations” of sexual abuse. The Patten team also visited the West Bank to talk to Palestinian authorities, human rights groups and some released detainees about allegations of sexual assault of Palestinians in Israeli detention camps. In Patten’s team’s assessment of abuse on the day of the Hamas raids into southern Israel, the report found “there are reasonable grounds to believe that conflict-related sexual violence occurred during the 7 October attacks in multiple locations across Gaza periphery, including rape and gang-rape, in at least three locations.” ![]() But progress in Cairo has been stalled, at least in part because Hamas has yet to provide a list of the 40 hostages. It added there were reasonable grounds “to believe that female hostages were also subjected to other forms of sexual violence”.Īs part of a proposed new ceasefire agreement being negotiated in Cairo, 40 vulnerable hostages, including elderly people, the sick and women, are due to be released in an initial phase of a six-week truce. “Based on the first-hand accounts of released hostages, the mission team received clear and convincing information that sexual violence, including rape, sexualized torture, and cruel, inhuman and degrading treatment occurred against some women and children during their time in captivity and has reasonable grounds to believe that this violence may be ongoing,” the report said. However, the UN team was able to talk to multiple witnesses, review a large quantity of video footage and pictures, and interview released hostages. ![]() She added: “The lack of trust by survivors of the 7 October attacks and families of hostages in national institutions and international organisations, such as the United Nations, as well as the national and international media scrutiny of those who made their accounts public, hindered access to survivors of the attacks, including potential survivors/victims of sexual violence.” Patten said some were still undergoing trauma therapy, some had been relocated inside Israel or moved abroad, and some first responder witnesses had been deployed in the army. Primary among those limitations was that the team did not manage to meet any survivors of sexual violence during the 7 October attacks, “despite concerted efforts encouraging them to come forward”. ![]() ![]() For example, you may use the information to Disclose how you use the information you collect.This also includes information that you get from the user, eitherĭirectly or via the permissions API, including persistent identifiers. This includes information that you mayĬollect automatically, such as server and HTTP logs, data transmitted by the extension to you,Īnd usage information. Explain all the information your extension collects.While weĬan't give legal advice on how to draft a privacy policy, we've suggested some points below to guide How users can access, change, or delete their data and how long users' data is retained. Privacy policies frequently address additional topics, such as information security practices What does my Product's privacy policy need to say?Īt a minimum, a privacy policy will typically state how a developer collects, uses, and disclosesĭata. Read the policy and the answers to the other FAQs because certain uses of personal or sensitive userĭata are subject to additional requirements or are prohibited. Handle the user data securely, including transmitting it via modern cryptography.Post a privacy policy in the Chrome Web Store Developer Dashboard, and.Products that handle personal or sensitive user data must, at a minimum: My Product DOES handle personal or sensitive user data. Policy that you are not handling user data. You have no special or new obligations under the User Data Policy. My Product DOES NOT handle personal or sensitive user data. Requests or interacts with, including the domains or URLs the browser interacts with).Ĥ. Web browsing activity (which is any information about the websites or other web resources a user.Health information, Authentication information (such as logins, password, and authentication.Issued number, driver's license number, or account number), It also includes any type of identification number, such as a government ![]() Personally identifiable information (including a person's name, address, telephone number, emailĪddress, and username.Personal or sensitive user data may include: What are examples of personal or sensitive user data? ![]() Of the HTTP requests and responses, and data in a website's browser storage (like cookies)ģ. Requests or interacts with, including the domains or URLs the browser interacts with, the content
![]() ![]() ![]() ![]() Patient access forms can be submitted as follows: If you need a form, you can download a PDF copy of the Patient Request to Access or to Disclose Protected Health Information (PHI) (Access Form) in English or Spanish. If you need to obtain a "paper" copy of a lab test result, you can submit a written request using any patient access form. Note: Certain historical lab test results may not be available in electronic format in MyQuest. (If you live in the state of Maryland, you cannot retrieve your results electronically at this time. ![]() If you don't see this option, your account is up to date and you don't have any additional electronic lab results. If you want access to your historical results dating back to January 1, 2010, go to the Results page, scroll to the bottom of your results list, and tap or click the Find my historical Quest results link (located under Looking for your historical lab test results?). Once your identity is confirmed, results will start appearing in your account within 24 hours, but it may take up to a full week for your MyQuest account to populate with results for all of your tests that were performed within the last year. Note: If you change your personal information or email address, you will need to reverify your identity if you want to continue to receive and view your lab test results. Additionally, Quest Diagnostics does not share any protected health information (PHI) with the identity verification service. No private records or credit data were used, nor does Quest Diagnostics have access to or save this information during any point in the verification process. Different questions are presented on each attempt so that someone can’t read questions, look up answers, then come back and try again. This is why the questions are different than those used to reset a password. The questions were designed based on that compiled data to generate random questions that only an individual can answer (to prevent guessing) things like the color of a car you owned some years ago, or the address of a town you lived in. The data used comes from a large compilation of public records and other commercially available data sources. This is a necessary step in protecting sensitive healthcare information. The purpose of KBA is to verify the identity of an individual in order to grant the appropriate access to healthcare records in a situation where they are not physically present. Their data quality and question-generation algorithms are the industry gold standard. Our KBA solution is provided by LexisNexis®, a global leader in online security. To protect your privacy and the integrity of your health record within MyQuest, Quest Diagnostics uses a technology called knowledge-based authentication (KBA) to verify that a patient is who they say they are. Otherwise, results will be available within 2–5 days of your visit to a Quest Patient Service Center.Ĭreate a MyQuest account quick reference guide If you had lab tests done at Quest Diagnostics within the last year, those lab results will be available in MyQuest within 24 hours. Note: If you are unable to answer all of the questions correctly, you will receive additional information on how to complete identity verification.ġ6 When the Identity Verification Successful! message appears, click Return to MyQuest.Ĭongratulations! You have successfully created a MyQuest account and verified your identity. Your personal information is used to match you to your lab results.ħ If a reCAPTCHA window appears, select the specified items and then click Verify otherwise, continue with the next step.Ĩ Access the email account that you entered in step 4 and open the “Registration Email Confirmation” email from If you don't see it, it might be in your spam folder.ĩ Click the Account Confirmation page link to verify your email address.ġ0 Go to and SIGN IN.ġ1 When prompted, click Verify Identity to start the identity verification process so that you can view your test results when they become available.ġ2 Read the Identity Verification information and then click Get Started.ġ3 Enter the last 4 digits of your SSN, if prompted, and then click Verify.ġ4 Read the additional Identity Verification information and then click Continue.ġ5 On the Identity Verification Questions page, answer all 3 questions, and then click Continue. Use the following steps to create a MyQuest account:ġ Go to and then click Create Account.Ģ Type a Username and Password, reenter your password, and then click Next.ģ On the Tell us more about you page, complete all required fields and then click Next.Ĥ On the Tell us how to stay in touch with you page, complete all required fields.ĥ Clear the check box if you do not want Quest to send you promotional emails, and then click Next.Ħ On the Let’s make sure your information is accurate page, review your personal information, make any changes if needed, and then click Create Account. ![]() ![]() ![]() So it really impacts many aspects of life,” Dr. “Frequent coughing can be embarrassing, exhausting, and disruptive to sleep, daily activities, jobs, and exercise - and it can cause urine leakage. When people go to the doctor for chronic cough, it’s often because the symptoms are so disruptive, says Jayme Dowdall, MD, an assistant professor and laryngologist at the University of Nebraska Medical Center in Omaha. People who are exposed to airborne irritants or pollutants, often because of their occupation, are also at a higher risk of developing a chronic cough. Long-term smoking and secondhand smoke can also cause a persistent cough (also called smoker’s cough), which is the body’s attempt to clear the airways of mucus and irritants caused by smoking. What causes a cough that just won’t go away? The top reasons are asthma, acid reflux, and sinus issues that cause postnasal drip, says Rachel Taliercio, DO, a pulmonologist at the Cleveland Clinic in Ohio. But sometimes persistent coughs, such as those stemming from chronic health conditions, can hang on for months or years - even decades. (Fun fact: Coughs can propel air and particles out of the lungs and throat at speeds up to 50 miles per hour.)Ĭoughs due to illnesses like respiratory infections typically last for days, sometimes weeks. 2006 8(5) Suppl: S12-S252 as authored by the American College of Medical Genetics (ACMG) and commissioned by the Health Resources and Services Administration (HRSA).Coughing is a reflex that typically serves as a defense mechanism to clear the airways of irritants or secretions. Selection of conditions based upon Newborn Screening: Towards a Uniform Screening Panel and System.Newborn blood spot screening for severe combined immunodeficiency by measurement of T-cell receptor excision circles Approved guideline. Clinical and Laboratory Standards Institute (CLSI).laboratories currently screening for SCID. The Division of Laboratory Sciences continues to conduct proficiency testing programs with quarterly send outs to all U.S. Increase number of babies screened for SCIDĬDC funding has helped states screen for more than one million babies for SCID.Increase number of laboratories screening for SCID.SCID newborn screening program activities continue to: The primary goal of CDC’s newborn screening program is to improve the health and lives of newborns. In 2015, CDC funded New York to develop advanced laboratory screening techniques and quality assurance materials that will improve the detection of SCID. Provided evidence to support the addition of SCID to the RUSP.Served as models for other states to implement population-based screening, and. ![]() ![]() Ensured SCID screening tests were ready for nationwide use,.Successful newborn screening pilot studies in these states have: Louisiana, Nevada, and North Carolina (2015).Florida, Illinois, New Jersey, North Carolina, Texas (2017).Eligible state or territorial programs are those that have not previously conducted state-wide SCID newborn screening and demonstrate sufficient laboratory expertise, facilities, and legal authority to conduct screening. Sponsors conferences and meetings to educate scientist about methods and reference materials for SCID testing.ĬDC’s Division of Laboratory Sciences funds SCID screening by state public health laboratories through cooperative agreements with newborn screening programs.Provides testing materials to labs to help ensure accurate SCID screening, and.Develops new laboratory methods to identify babies with SCID,.Provides training and technical assistance to state labs screening for SCID,.Funds SCID test development and early screening in collaboration with states,.In an effort to expand and improve screening, CDC’s Division of Laboratory Sciences: Since 2008, CDC has worked to increase the number of U.S states and territories that include accurate SCID testing as part of their newborn screening programs. ![]() |
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