query: what is nos mean medically

pos: What does the medical abbreviation NOS mean? Making the world better, one answer at a time. Most commonly, NOS means not otherwise specified. In other words if you've been diagnosed as having anxiety order nos...it means that you don't have a specific anxiety disorder, just a more general one. Another example: If your knee hurts and you go to the ER, but they can't find the cause.

neg: Nec Medical Coding Abbreviation Nec Medical Coding Abbreviation. What Is Nos Mean In medical coding | Steven Blog. What is nos mean in medical coding Encoding Definition AAPC Medical Coding & Billing Forums. What does the medical abbreviation NOS. What does NEC and NOS mean on a medical. Slanted brackets are used in the Index to Diseases of the ICD-9-CM coding book and they identify manifestation codes. … Read More.

neg: - Quick Answer. According to MedicineNet, NPO is a medical abbreviation that means nil per os, or nothing by mouth. It means that a patient isn't allowed any food or drink for medical reasons, as stated by Wikipedia.

neg: Why do some medical terms end with the suffix -sis? , I know stuff about things. The suffix -osis in medical terms usually has a meaning relating to disease, condition or an increase. Views.

neg: "what is ""NOS"" on a diagnosis?" May 14, '09 by travel50. It just means that the doctor has not specified what type of cancer cells, what caused the pneumonia (bacterial, viral, fungal, location, etc), what caused the HTN.

neg: sporadic Medical Definition of sporadic. 1  1: occurring occasionally, singly, or in scattered instances sporadic diseases—compare endemic, epidemic 1. 2  2: arising or occurring randomly with no known cause sporadic Creutzfeldt-Jakob disease.

neg: Nec Medical Coding Abbreviation What does the medical abbreviation NOS. What does NEC and NOS mean on a medical. Slanted brackets are used in the Index to Diseases of the ICD-9-CM coding book and they identify manifestation codes. NEC Is The Acronym For The Acronym ICD 9 CM means, in ICD 9 CM NOS means, Osteoporosis NEC, NEC Abbreviation in Coding, Medical Coding Acronyms (pdf download) AARP MedicareRx Plans United Healthcare NEC “Not elsewhere classifiable” This abbreviation in the.

neg: nosh nosh - (Yiddish) a snack or light meal. 1  Yiddish - a dialect of High German including some Hebrew and other words; spoken in Europe as a vernacular by many Jews; written in the Hebrew script. 2  collation, snack, bite - a light informal meal.

neg: Medical TERMINOLOGY - A thru Z Medical TERMINOLOGY - A thru Z: Prefixes, roots, suffixes [ I] Prefix: A prefix is placed at the beginning of a word to modify or change its meaning. Pre means before. Prefixes may also indicate a location, number, or time. Root: central part of a word. Suffix: The ending part of a word that modifies the meaning of the word. Example: homeless. Root = 'home' and the suffix is 'less'. It can also refer to a condition, disease, disorder, or procedure.

neg: Nosology Medical conditions, like diseases, can be defined by cause, pathogenesis (mechanism by which the disease is caused), or by a collection of symptoms, medical signs and biomarkers, particularly when the other two definitions are not available (idiopathic diseases).

neg: - No definition, (a negative used to express dissent, denial, or refusal, as in response to a question or request) See more.

neg: Neonatal Abstinence Syndrome Neonatal abstinence syndrome (NAS) is a term for a group of problems a baby experiences when withdrawing from exposure to narcotics.hat are the symptoms of neonatal abstinence syndrome? Symptoms of NAS may vary depending on the type of substance used, the last time it was used, and whether the baby is full-term or premature. Symptoms of withdrawal may begin as early as 24 to 48 hours after birth, or as late as five to 10 days.

neg: Nec Definition Medical Coding Nec Definition Medical Coding. nec Meaning In medical coding Search For Pdf. NEC Medical Abbreviation; Medical Definition of NOS; Medical Definition of NEC; Hyperlipidemia NEC Nos; NEC vs Nos; pdfsearch for nec meaning in medical coding Page 2 of about 22,600 results.

neg: - Medical Definition of Saline. Saline: Relating to salt. As a noun saline is a salt solution, often adjusted to the normal salinity of the human body. Salt, in medicine, is referring to sodium chloride. Sodium chloride is common table salt and the salt concentrated in the earth and in sea water.

neg: Nothing by mouth (Redirected from Nil per os) Nothing by mouth is a medical instruction meaning to withhold food and fluids from a person for various reasons. It is also known as nil per os (npo or NPO), a Latin phrase whose English translation is most literally, nothing through the mouth.

neg: "what is ""NOS"" on a diagnosis?" this abbreviation is the equivalent of 'unspecified' and is used only when the coder lacks the information necessary to code to a more specific four-digit category. 1  pneumonia nos is code 486 (pneumonia, organism unspecified). 2  pancreatic ca nos is code 157.9 (malignant neoplasm of pancreas, part unspecified).

neg: - NAS: Numerical Aerospace Simulation: NAS: No Added Salt (dietary) NAS: National Aircraft Standard: NAS: National Audubon Society, Inc. NAS: National Asthma Survey: NAS: Nigerian Academy of Sciences: NAS: Numerical and Atmospheric Sciences Network: NAS: Neuroanaesthesia Society (Birmingham, UK) NAS: New Associated States: NAS: Non Aliter Specificatus (Latin: Not Further Specified) NAS

neg: Greek Mythology Final He wrote three of the most famous poems in Latin literature, the Eclogues (or Bucolics), the Georgics, and the epic Aeneid. A number of minor poems, collected in the Appendix Vergiliana, are sometimes attributed to him. Virgil is traditionally ranked as one of Rome's greatest poets.

neg: - Short description: Mycoses NEC & NOS. ICD-9-CM 117.9 is a billable medical code that can be used to indicate a diagnosis on a reimbursement claim, however, 117.9 should only be used for claims with a date of service on or before September 30, 2015. For claims with a date of service on or after October 1, 2015, use an equivalent ICD-10-CM code (or codes).

neg: - noun. the scientific study and categorization of diseases and disorders, both mental and physical. NOSOLOGY: Nosology, while interesting on its own and quite in depth, is not a common core feature of any science-based degree program..oun. the scientific study and categorization of diseases and disorders, both mental and physical. NOSOLOGY: Nosology, while interesting on its own and quite in depth, is not a common core feature of any science-based degree program..

neg: Medical Terminology Definition of Disease Disease (Latin dis- = lack of, opposite of + ease = convenience, comfort) literally means lack of strength or satisfaction. It also means a person is no longer at ease. In medicine, disease means an impairment in structure or function of a certain body part or mind with identifiable symptoms.hat is Ischemia? Ischemia is the medical term for an inadequate blood supply to a specific area of the body. This results in a reduced oxygen supply as blood has difficulty in reaching the target tissues or organs.

neg: Nitrous oxide Nitrous oxide, commonly known as laughing gas, nitrous, nitro, or NOS is a chemical compound with the formula N 2O. It is an oxide of nitrogen. At room temperature, it is a colourless, non-flammable gas, with a slightly sweet odour and taste.It is used in surgery and dentistry for its anaesthetic and analgesic effects.itrous oxide gives rise to nitric oxide (NO) on reaction with oxygen atoms, and this NO in turn reacts with ozone.

neg: - 1 There are many considerations in selection of topic. 2  These considerations may be classified as academic/intellect} DUPipeline_QISnippet_FirstGood_Snippet_v1: {},{-1|-1|1|Topic Selection. 3  1. DR.BAHADAR SHAH; 2. TOPIC SELECTION. 4  There are many considerations in selection of topic.

neg: Does Nec Mean Medical Coding Looking for online definition of NOS or what NOS stands for? NOS is listed in the World's largest and most authoritative dictionary database of abbreviations and acronyms NOS - What does NOS stand for? The Free Dictionary

neg: - NOS: Network Operating System: NOS: National Ocean Service (NOAA) NOS: National Occupational Standards (UK) NOS: Nitric Oxide Synthase: NOS: New Orleans Saints: NOS: Nosferatu (vampire reference) NOS: New Old Stock: NOS: Notice of Sale: NOS: Nitrous Oxide System: NOS: Nederlandse Omroep Stichting: NOS: National Open School: NOS: Number of Statements: NOS: Number Of Sectors: NOS

neg: - Neonatal abstinence syndrome (NAS) is a term for a group of problems a baby experiences when withdrawing from exposure to narcotics.ymptoms of withdrawal may begin as early as 24 to 48 hours after birth, or as late as five to 10 days. The following are the most common symptoms of neonatal abstinence syndrome. However, each baby may experience symptoms differently.


query: what to write in an advance health care directive

pos: - The Advance Health Care Directive form lets you do one or both of these things. It also lets you write down. your wishes about donation of organs and the selection of your primary physician. If you use the form, you may. complete or change any part of it or all of it. You are free to use a different form.

neg: anticholinergic 1 pertaining to a blockade of acetylcholine receptors that results in the inhibition of the transmission of parasympathetic nerve impulses. 2 an anti-cholinergic agent that functions by competing with the neurotransmitter acetylcholine for its receptor sites at synaptic junctions.Anticholinergics are used to treat spastic disorders of the GI tract, to reduce salivary and bronchial secretions before surgery, or to dilate the pupil.n·ti·cho·lin·er·gic. Antagonistic to the action of parasympathetic or other cholinergic nerve fibers (for example, atropine). /an·ti·cho·lin·er·gic/ (-ko″lin-er´jik) parasympatholytic; blocking the passage of impulses through the parasympathetic nerves; also, an agent that so acts.

neg: Advance Directive: Protective Medical Decisions Document The PMDD is a Durable Power of Attorney for Health Care. A Living Will is a document, often called a “declaration” or a “directive,” in which the signer gives power and authority to an “attending physician” to withhold or withdraw medical interventions under certain circumstances.

neg: - Guidelines. 1  State the clear, firm directive up front. Don’t bury your directive in implications. 2  Include courtesy words even when you have authority to command. Don’t use “fight” words such as “ignored,” “failed to,” “refused,” and even “must” at times. 3  Don’t resort to sarcasm.  Give reasons for your directives when you can.

neg: Advance Directives: Definitions A Durable Power of Attorney for Health Care is a signed, witnessed (or notarized) document in which the signer designates an agent to make health care decisions if the signer is temporarily or permanently unable to make such decisions.

neg: Consumer Guides Florida law provides a sample of each of the following forms: a living will, a health care surrogate, and an anatomical donation. Elsewhere in this pamphlet we have included sample forms as well as resources where you can find more information and other types of advance directive forms.

neg: - Giving Someone a Power of Attorney for Your Health Care , American Bar Association, 2011. The form in this guide is a simple version of a Health Care Advance Directive. It allows you to choose someone to make health care decisions for you if you can’t.

neg: - Advance directives are legal documents that allow you to spell out your decisions about end-of-life care ahead of time. They give you a way to tell your wishes to family, friends, and health care professionals and to avoid confusion later on. A living will tells which treatments you want if you are dying or permanently unconscious. You can accept or refuse medical care. A durable power of attorney for health care is a document that names your health care proxy. Your proxy is someone you trust to make health decisions for you if you are unable to do so.

neg: - Usage: English. Meaning: katy means pure and blessed. princess xxxx love of a rich mans life desurves happyness and a lot of loving xxxxxxxxxxxxxxxxxxx. pureness and popularity. katy means very nice and pure. Katy is my best friend! her name means awesome, funny, crazy and cute. alot of this is very true.whoever wrote she loves katy perry and hates justin bieber you're probably talking about the girl i know because that is true for her. i love you katy!sage: English. Meaning: katy means pure and blessed. princess xxxx love of a rich mans life desurves happyness and a lot of loving xxxxxxxxxxxxxxxxxxx. pureness and popularity. katy means very nice and pure. Katy is my best friend! her name means awesome, funny, crazy and cute. alot of this is very true.

neg: Types of advance directives Advance directives can also include extra instructions about your health care decisions. For instance, they allow you to specify when you do not want to be resuscitated or if you want to make organ or tissue donations. (See the “Do Not Resuscitate” orders information below.)

neg: - (1) A health care provider or facility that refuses to comply with a patient’s advance directive, or the treatment decision of his or her surrogate or proxy, shall make reasonable efforts to transfer the patient to another health care provider or facility that will comply with the directive or treatment decision.

neg: Consumer Guides To make sure that an incapacitated person’s decisions about health care will still be respected, the Florida legislature enacted legislation pertaining to health care advance directives (Chapter 765, Florida Statutes).

neg: - A: It s not required to be on file at the courthouse, however, some states have created living will registries. A copy of advance directives for medical care should be given to the health care proxy you appoint, as well as your health care providers. copy of your advance medical directive form should be provided to any healthcare agent you appoint, your doctor and other healthcare providers, and any close friends and relatives whose cooperation may be needed. Some states also have a living will registry for living wills and other advance health care directives.

neg: Advance Directives: Durable Power of Attorney for Health Care Michigan has two kinds of Advance Directives. One is the Durable Power of Attorney for Healthcare (DPOA-HC), which can be used in both inpatient and ambulatory care settings within the University of Michigan Hospitals and Health Centers. The other is a Do-Not-Resuscitate (DNR) Declaration, which is for non-hospital settings.

neg: What is a Living Will? Living wills are often used with a document called a durable power of attorney (DPOA) for healthcare. In some states, in fact, the two documents are combined into one. A DPOA appoints someone to carry out the wishes about end-of-life treatment that are written down in a living will or medical directive.The person named is called the “agent,” “healthcare proxy,” or “attorney-in-fact” of the person who makes the DPOA. DPOA appoints someone to carry out the wishes about end-of-life treatment that are written down in a living will or medical directive. The person named is called the “agent,” “healthcare proxy,” or “attorney-in-fact” of the person who makes the DPOA.

neg: Advance Directives: Definitions Advance Directives: Definitions. ADVANCE DIRECTIVE. An advance directive is a document by which a person makes provision for health care decisions in the event that, in the future, he/she becomes unable to make those decisions.here are two main types of advance directive — the “Living Will” and the “Durable Power of Attorney for Health Care.” There are also hybrid documents which combine elements of the Living Will with those of the Durable Power of Attorney.

neg: Advance Directive Policy Agency will provide all patients with the agency’s advance directives policy before the start of care: · 1  The agency recognizes that all persons have the fundamental right to make decisions about their own medical treatment. This includes the right to accept or refuse care, treatment or services.

neg: How to Write a Living Will A Living Will, also known as an Advance Healthcare Directive or Advance Medical Directive, is a legal document that provides your family, doctors, and caregivers with information about what life-saving measures you wish to undergo should...

neg: - And they don't always keep the records they do need. Here are guidelines on what you need to keep, and for how long. 1  Estate-planning documents: will, power of attorney, advance health-caredirective (living will) and health-care proxy. 2  Store them in a safe-deposit box,but don't put them there and forget it.

neg: - You can set the course of your health care future through a Living Will and a Durable Power of Attorney for Health Care. With a Living Will, formally known as a Declaration in this state, you enumerate what types of medical procedures you do and do not consent to receive at the end of your life.

neg: What is a Living Will? A living will, also called a directive to physicians or advance directive, is a document that lets people state their wishes for end-of-life medical care, in case they become unable to communicate their decisions. It has no power after death.

neg: South Carolina Code of Laws Unannotated This is an important legal document. It gives your agent broad powers to make health care decisions for you. It revokes any. prior power of attorney for health care that you may have made. If you wish to change your power of attorney for health.

neg: Advance Directive Policy Agency will provide all patients with the agency’s advance directives policy before the start of care: · 1  The agency recognizes that all persons have the fundamental right to make decisions about their own medical treatment. · 2  The agency recognizes that when the patient is not legally responsible, the.

neg: - If you decide to stop dialysis treatment, you or your surrogate may want to make sure the following items are in order: 1  Your will. 2  Signed advance directive (living will, durable health care power of attorney or health care proxy) complying with your state law.

neg: - This type of advance directive may also be called a healthcare proxy, durable power of attorney for healthcare or appointment of a healthcare agent. The person appointed may be called a healthcare agent, surrogate, attorney-in-fact or proxy. Palliative care-A comprehensive approach to treating serious illness that focuses on the physical, psychological, spiritual, and existential needs of the patient.

neg: Advance Directives Advance directives are legal documents that allow you to spell out your decisions about end-of-life care ahead of time. They give you a way to tell your wishes to family, friends, and health care professionals and to avoid confusion later on.


query: do you buzz your lips to play brass

pos: I brass playing like the horn, do lip size matter? Does it have any effect/affect on your playing? Report Abuse. I play the French Horn and from what I know and from my band director has said, lip size matters only slightly. It's all about having the ability to buzz your lips correctly. I have never known anyone with an issue of lip size affecting playing a brass instrument though.

neg: - As to what to do with the honey comb afterwards, we used to chew on it and spit it out as kids. posted by MsKim at 7:51 PM on August 1, 2010. Yes, exactly, chew it up & spit it out -- honeycomb's like organic wax lips. If you're really hard core you could collect the excess and try melting it down, for candles.

neg: How is sound made on a brass instrument? Simple answer: Buzz your lips into the mouthpiece fast or slow for high or low notes. Real answer: Technically, the brass instrument itself is not used to make sound, but to amplify the harmonics created through lip buzzing. When a person buzzes their lips together, they can tighten or loosen their lips to create higher and lower pitches.

neg: - Yes, the mouthpiece for any instrument in the brass family (tuba, trumpet, trombone, frenchhorn etc) use a metal mouthpiece. It is shaped like a funnel. You put your lips on i … t and buzz them to make the sound.The only brass* that doesn't use a metal mouth is a saxophone.It has a plastic or hard rubber mouthpiece.he mouthpiece of a woodwind instrument is the part of the instrument which is placed partly in the player's mouth. Single-reed instruments have mouthpieces while exposed doub … le-reed instruments and open flutes do not have mouthpieces.

neg: Nonpoint and Point Sources of Nitrogen in Major Watersheds of the United States For example, releases of nitro-. gen into the air from point sources, such as the com-. bustion processes of powerplants and industries, are. called nonpoint sources of water pollution when that. nitrogen reaches water bodies through precipitation. More than 3.2 million tons of nitrogen are deposited in.

neg: How do I keep brass and copper from tarnishing? These elements tarnish due to moisture from the air. You can spray a clear finish on them and it will shield the metal from oxidizing. You can even use hair spray in a pinch. Anything that seals them from the atmosphere will work.est Answer: Polish them up, clean them with alcohol and then spray with a clear lacquer. If you want even a better finish take them to a good band instrument repair shop, their (our) spray is the same stuff that keeps band instruments shiny for 30 years. Source(s): brass instrument tech.

neg: - This means that each atom will take up more space due to it's movement so the material will expand. When it is cold the kinetic energy decreases, so the atoms take up less space and the material contracts. Some metals expand more than others due to differences in the forces between the atoms / molecules. In metals such as iron the forces between the atoms are stronger so it is more difficult for the atoms to move around . In brass the forces are a little weaker so the atoms are free to move about more. These differences in contraction are used in a bimetallic strip, which is composed of a strip of brass laid along side strip of Iron. When the strip is heated the brass expands more than the iron so the strip beds.

neg: Will My Lip Piercing Hole Close? If you're into body modifications, piercings and tattoos, then a lip piercing can look great and be a great way to draw attention to your lips, and to add some jewelry to your face. There are lots of lip studs and rings you can get and any of these can look attractive and even add another element while kissing.

neg: - The trumpet is a timeless instrument and has the highest voice in the brass family. There are many different varieties including the cornet, flugelhorn and specialty options such as the piccolo trumpet (mainly used in symphony orchestras and chamber ensembles).Students and those just starting out often choose a Bb (B-flat) trumpet. These are regularly seen in for jazz, concert and marching bands.here are many different varieties including the cornet, flugelhorn and specialty options such as the piccolo trumpet (mainly used in symphony orchestras and chamber ensembles). Students and those just starting out often choose a Bb (B-flat) trumpet. These are regularly seen in for jazz, concert and marching bands.

neg: Brass Composition, Properties, and Comparison With Bronze Brass Properties. 1  Brass often has a bright gold appearance, however it can also be reddish-gold in color or silvery-white. 2  Brass has a higher malleability than either bronze or zinc. 3  Brass has desirable acoustic properties appropriate for use in musical instruments.  The metal exhibits low friction.

neg: - In the beginning, the additional weight. and clumsiness of a trigger can be more than a small student can. handle. It is recommended to start with a straight Bb tenor trombone. and upgrade once the student is capable of handling the instrument. and is at a developmentally appropriate stage where the trigger will.

neg: Itâs Questionable A black nickel finish on a brass shell delivers a very articulate response. Plating a chrome finish on brass can be done several ways, but brass loves chrome placed directly over the base material. Some manufacturers, like my company, Joyful Noise, use triple-plating techniques. That method requires copper, nickel, and then chrome.

neg: - The bass clarinet has an incrediblerange; the problem is how to control it. Try this for kicks. Play a Bb3 andpinch or voice up a bit, you should get a G4, pinch more and you get a C5,pinch more, it keeps going, and going and going. You’re not squeaking,you’re playing overtones.

neg: Trumpet Orchestral trumpet players are adept at transposing music at sight, frequently playing music written for the A, B ♭, D, E ♭, E, or F trumpet on the C trumpet or B ♭ trumpet. Piccolo trumpet in B ♭, with swappable leadpipes to tune the instrument to B ♭ (shorter) or A (longer)

neg: Viking Horn Bugles BLOWING HORNS / HORN BUGLES. Our horn bugles (or blowing horns) are hand made in England from a single piece of cow horn. The mouth piece does not contain a reed and so is blown with pursed lips like a trumpet, producing a deep resonant sound.lowing horns were used in Viking and medieval times as a means of communication, to keep in contact with your friends (e.g. during hunting) or to warn people of your approach (Blowing your horn was a way of showing that you were not engaged in any criminal activity!).

neg: - common Bb Trumpet.. he used martin commitee which is one of the popular horn in earlier 50's-60's..he still used it until the latest with newest model apparently with colorful finished(as i know the blue one & the red)

neg: Didgeridoo acoustics/ yidaki acoustics - the motions of the player's lips and. - the flow of air between the player's lips. In the brass instruments, the vocal tract has only a minor effect, but in the didjeridu or yidaki it is very important. High speed video and schlieren images of the air jet from the player's lips.

neg: - It is also called the trumpet horn (trompethorn). A variation on the ram's horn is known as the tongue horn (tungehorn). It has a reed made of juniper wood that is similar to a clarinet reed, and has from four to eight finger holes.

neg: - Approach the bass as if it is nothing more than a large Bb soprano clarinet. Stress the similarities, not the differences. Resist the temptation to play on too soft of a reed. With a soft reed you can get a big sound in the low register, but sacrifice control in the clarion and above.

neg: Menâs Erogenous Zones Ears and neck. Nerve endings pack the ears and neck. Nibble and suck these erogenous zones to rev up your man’s arousal. Blow a steady stream of air across his nape. Whisper naughty words or groan loudly in his ear during sex. The vibrations of your voice excite the clustered nerves in the ear.

neg: Reeds The reed, together with the mouthpiece onto which the reed is fixed makes the air in the instrument vibrate when you blow into it (technically speaking: create acoustic waves). So the reed is a very important part of a clarinet.hen you close your lips around the mouthpiece and the reed and blow, a tone is created. Technically speaking, the reed together with the mouthpiece work as a valve that opens and closes: The air presses the reed against the opening of the mouthpiece so that the stream of air is blocked.

neg: Music for Kids A major family of instruments is the brass instrument family. It includes the trumpet, tuba, trombone, French horn, bugle, and cornet, just to name a few. Most brass instruments are made out of, you guessed it brass!he main difference between brass instruments and other instruments is how the vibration to create the sound and notes is made. With a brass instrument the vibration is created by the lips of the musician. By pressing the lips up against the mouthpiece and blowing, a vibration is created.

neg: RhythmTech Tambourine with Brass Jingles RhythmTech Tambourine with Brass Jingles. The legendary shape of the Rhythm Tech Tambourine, with its cushioned grip, has made it a favorite among percussionists. Nothing else feels or sounds like a Rhythm Tech! Sold in black with brass jingles.

neg: begin band The trumpet or cornet is the smallest and highest member of the brass family. As with all brass instruments, the sound is produced by buzzing the lips into a mouthpiece. The difference between a trumpet and cornet is very minor.They both play the same notes and they sound virtually the same.In appearance, the trumpet looks a bit longer and more slender than a cornet.The real difference has to do with the way the tubing of the instrument flares.he most common version is a Bb (B flat) trumpet or cornet. All beginning trumpet players should start on a Bb instrument. The trumpet is certainly one of the most popular instruments for young players. Since lots of other students will choose the trumpet, there will be more competition with other players.

neg: Clarinet The clarinet, with its soothingly beautiful tone, is one of the principal instruments in the band. The clarinet's sound is produced as the stream of air hits the tip of the wooden reed on the mouthpiece, causing it to vibrate.s the distance increases, the tone gets lower. Clarinet is popular in a lot of styles of music from classical to jazz to pop. Its beautiful smooth tone is often heard in ballads but has also been popular in fast-paced dance music. Both boys and girls play the clarinet. Clarinet isn't really difficult.

neg: How to Buy a Student Trumpet THE TRUMPET FAMILY. There are various types of trumpets and related instruments. The most common is the Bb trumpet which is played in concert bands, jazz bands, rock bands and most ensembles which involve trumpet. Other commonly used trumpets include the C trumpet, D trumpet, Eb trumpet, and piccolo trumpet.o there are many trumpets and trumpet-related instruments. However, most students only need to play the Bb trumpet, at least until high school. At that point, they may want additional trumpets for ensembles and solo works that demand the use of other instruments.


query: where was the system of democracy first introduced

pos: History of democracy Democracy can be traced back from the present day to classical Athens in the 6th century B.C.E. Democracy is a type of political system, or a system of decision-making within an institution, organization, etc., in which all members have the equal share to power.In modern representative democracy, this formal equality is embodied primarily in the right to vote.he Athenian democracy of Cleisthenes and Pericles was based on freedom, through the reforms of Solon, and equality (isonomia), introduced by Cleisthenes and later expanded by Ephialtes and Pericles. To preserve these principles, the Athenians used lot for selecting officials.

neg: Social Democracy Social Democracy. Social Democracy is a political philosophy founded around Marx's time. Initially, social democracy referred to socialism but later came to mean a political philosophy favoring reform over revolution as a way to achieve socialism.

neg: What is the worldâs oldest democracy? The title of oldest continuously functioning democracy is more hotly contested. Iceland, the Faroe Islands and the Isle of Man all have local parliaments founded in the ninth and 10th centuries, when Vikings pillaged, plundered and set up legislative bodies on the sea-islands of far northern Europe.

neg: Bicameral system After the Declaration of Independence in 1776, bicameral systems were established in all the states but Georgia, Pennsylvania, and Vermont. In those three states, single-chamber legislatures were set up, but they were replaced by bicameral legislatures in 1789, 1790, and 1830, respectively. All the new states subsequently admitted into the Union entered with two-house legislatures.

neg: - PERIOD 4: 1800–1848. The new republic struggled to define and extend democratic ideals in the face of rapid economic, territorial, and demographic changes. Key Concept 4.1: The United States developed the world’s first modern mass democracy and celebrated a new national culture, while.

neg: What was the first democratic country in the world? Somebody says it was Greece. But in Greece the base of the democracy was the slavery. So I think the first democratic country was Switzerland, but maybe some Scandinavian countries were democratic earlier in the beginning of the Middle Age. The Role of the King was in these Scandinavian countries pure formality.

neg: Lecture 6 The Athenian Origins of Direct Democracy. Originally the polis referred to a defensible area to which farmers of a particular area could retreat in the event of an attack. The Acropolis in Athens is one such example. Over time, towns grew around these defensible areas.

neg: Athenian Democracy Democracy, which had prevailed during Athens’ Golden Age, was replaced by a system of oligarchy after the disastrous Athenian defeat in Sicily in 409 BCE.

neg: Democracy and the Origins of the US Constitution Ancient Athens. Ancient Athens is often referred to as the cradle of democracy. The Athenians developed a unique system of government in which citizens were allowed to take in the decision-making process. They called it democracy.

neg: Soviet democracy For the Soviet republics of the Soviet Union, see Republics of the Soviet Union. Soviet democracy (sometimes council democracy) was a political system in the Soviet Union, in which workers' councils called soviets (Russian for council), consisting of delegates, formed organs of legislative and executive power.

neg: Where did democracy come from? In many ways, ancient Athenian democracy fell far short of its own principles of democracy, but in other ways it was ahead of the democratic systems we have today. By understanding both the failings and successes of that First Democracy, we may be able to improve our own democratic experiment for the benefit of all. .

neg: Athenian Democracy Athenian Democracy. Definition. Athens in the 4th to 5th century BCE had an extraordinary system of government, whereby all male citizens had equal political rights, freedom of speech, and the opportunity to participate directly in the political arena. This system was democracy.

neg: Athenian Democracy Athens in the 4th to 5th century BCE had an extraordinary system of government, whereby all male citizens had equal political rights, freedom of speech, and the opportunity to participate directly in the political arena. This system was democracy.thens in the 4th to 5th century BCE had an extraordinary system of government, whereby all male citizens had equal political rights, freedom of speech, and the opportunity to participate directly in the political arena. This system was democracy.

neg: History of Democracy: Who invented democracy? Athens and Italy Democracy spread around the Mediterranean Sea, but it was pretty much wiped out by the Roman Empire about 100 BC. Still, places like Athens continued to use democratic methods to make their own decisions on local matters for a long time after that.

neg: - Quick Answer to many common questions can be found in the Human Resources section of FAQs. If you are interested in selling Asurion products to your customer base, please fill out the following fields (all required) and a Business Partnership manager will contact you shortly. If this is not the intent of your inquiry, please choose the appropriate choice above.

neg: Democracy Origins of Democracy The term democracy is derived from the Greek words demos (the people) and kratia (rule). The first democratic forms of government developed in the Greek city-states during the 6th century B.C.

neg: Democracy The term democracy first appeared in ancient Greek political and philosophical thought in the city-state of Athens during classical antiquity. Led by Cleisthenes, Athenians established what is generally held as the first democracy in 508–507 BC.

neg: Democracy A woman casts her vote in the second round of the 2007 French presidential election. Democracy (Greek: δημοκρατία, Dēmokratía literally rule of the commoners), in modern usage, is a system of government in which the citizens exercise power directly or elect representatives from among themselves to form a governing body, such as a parliament. Democracy is sometimes referred to as rule of the majority.

neg: - In 510 BC Cleisthenes introduced profound reforms which made democracy exist as a system of government for the first time in the world. The main ideas of Cleisthenes's reforms were: 1  1. Replacement of division into tribes, fraternities and families with a territorial division.thens – cradle of democracy. Cradle of democracy is Athens, ancient Greek city-state, situated in beautiful part of Peloponnese, in Attica. Athens owe the first penal and civil law code to Draco.

neg: - Democracy originated more than 2,400 years ago in ancient Greece. The word “democracy” means “rule. by the people.” While this definition tells us that the citizens of a democracy govern their nation, it omits. essential parts of the idea of democracy as practiced in countriesaround the world. The principal. purposes for which the People establish democratic government are the protection and promotion of.

neg: Representative democracy The Roman Republic was the first government in the western world to have a representative government, despite taking the form of a direct government in the Roman assemblies.

neg: Democracy Then and Now Gill. While wars today are fought in the name of democracy as if democracy were a moral ideal as well as an easily identifiable government style, it is not really that black and white. The inventors of democracy were the Greeks who lived in small city-states called poleis. Contact with the wide world was slower.

neg: Where did democracy come from? That is a very good question!!!! The greeks were the first to put democracy into practice and failed at it. Which leads one to ask about our own young democratic nation. We have not yet realized true democracy. It is a diificult place to attain. The people have to really want it. The question always comes down to what is most impoortant. Freedom and equality or security.

neg: - Direct democracy is a system of governance that started in ancient Athens, around 508 BC. In it, all eligible citizens vote on decisions for the government rather than relying on representatives. A representative democracy, by contrast, is one where voters select representatives who vote on their behalf.

neg: Athenian democracy Athenian democracy. Athenian democracy developed around the fifth century BC in the Greek city-state (known as a polis) of Athens, comprising the city of Athens and the surrounding territory of Attica, and is the first known democracy in the world.


query: how much does sipc cover

pos: Account Protection (SIPC) Account Protection (SIPC) Edward Jones provides account protection for your securities, except annuities and insurance, held in your brokerage account. The Securities Investor Protection Corporation (SIPC) provides $500,000 of coverage for missing securities, including $250,000 for claims of cash awaiting reinvestment. Edward Jones purchases additional protection from Underwriters at Lloyd's.

neg: What is a 'Securities Investor Protection Corporation - SIPC' BREAKING DOWN 'Securities Investor Protection Corporation-SIPC'. SIPC is an insurance that provides brokerage customers up to $500,000 coverage for cash and securities held by the firm (although coverage of cash is limited to $250,000).RELATED TERMS. nonprofit corporation created by an act of Congress to protect the clients of brokerage firms that are forced into bankruptcy. Members to the SIPC include all brokers and dealers registered under the Securities Exchange Act of 1934, all members of securities exchanges and most NASD members. Next Up.

neg: PS Card Facts about Bronze Plan Lorazepam prescription prices and annual deductibles. Many health exchange Bronze and Silver insurance plans don't cover prescriptions at all, including Lorazepam, until you spend up to your annual deductible. According to experts, only one in ten people meet a $2500 annual deductible.

neg: What is a SIPP? Starting at age 45 could result in a SIPP worth £53,000. Our regular investment service helps keep the costs low with dealing costs of just £1.50. You can also transfer an existing pension or SIPP to us, there are no costs to transfer in or open our SIPP. Your employer can also make contributions to your SIPP, either as regular or one off payments.

neg: How much does it cost to freeze your body,to wake up in the future? Answers. Best Answer: A: Good news: you heard wrong! With CI, the minimum fee for cryopreservation at CI (which includes vitrification perfusion and long term storage) is $28,000 — a one-time fee, due at time of death.And though it can be paid in cash, usually a member has a life insurance policy made that pays the amount to CI upon death.ut many CI Members simply take the $28,000 option, without Standby, which can cost around $30 a month for someone starting his insurance when middle aged and in good health.

neg: SIPC Insurance Coverage: What Happens if Your Broker Fails? It’s important to keep in mind that the SIPC does not protect investors against market risk. Thus, if you make a bad investment decision and lose a ton of money, you’re on your own. SIPC coverage is limited to $500k per customer, including up to $100k in cash. Note, however, that investor assets cannot legally be co-mingled with brokerage assets. Thus, as long as no laws were broken, all of your assets should be recoverable.

neg: Securities Investor Protection Corporation The Securities Investor Protection Corporation (SIPC /ˈsɪpɨk/) is a federally mandated, non-profit, member-funded, United States corporation created under the Securities Investor Protection Act (SIPA) of 1970 and mandates membership of most US-registered broker-dealers. It is not a Self-regulatory organization (SRO). The SIPC fund, which constitutes an insurance program, is designed to protect the customers of brokers or dealers subject to the SIPA from loss in case of financial failure of the member. The fund is supported by assessments upon its members.

neg: - ICBC’s 2008 annual report indicates that in 2008, ICBC paid out about 2.6 billion dollars ($2,646,191,000) to claimants or third parties on behalf of claimants. I expect these third parties to be lawyers, body shops, medical practitioners and the like.ery often the interest is over 55% per year. If you borrow one thousand dollars and your case settles two years later for $4,000, you will have to pay the lender the $1,000 lent, plus at least an additional $2,400 as there is interest on the interest.

neg: Co-pay Assistance Program for eligible, privately insured patients: The Co-pay Assistance Program offers assistance to eligible patients who need help affording CUBICIN. Once enrolled, eligible, privately insured patients pay the first $35 of their co-pay per infusion. Maximum benefit is $1,000 per patient, prior to the expiration date of the Program.

neg: CARE, CUSTODY & CONTROL None of these endorsements totally removes the CGL's care, custody and control exclusion. Several regional insurers have developed their own care, custody and control coverage endorsement that is attached to the CGL. These endorsements typically have a $5,000 limit on the care, custody and control coverage.

neg: Rs 113 cr undue benefit for liquor suppliers in C'garh, says CAG Raipur, Mar 31: The rates fixed by Chhattisgarh State Beverages Corporation Ltd (CSBCL) for the purchase of foreign liquor were unreasonably high, which resulted in undue benefit of Rs 112.87 crore to the liquor suppliers in the last two years, the CAG said in its report.

neg: - Cost of Restasis. Most patients with commercial health insurance have plans that cover most of the cost of RESTASIS ® prescriptions. Most patient co-pays for a RESTASIS® prescription ranges from $20 to $50 for a monthly supply (2 trays).There are many solutions to improving chronic dry eye syndrome including therapy with Lotemax, Omega 3’s, punctal occlusion, artificial tears and doxycycline to name a few.estasis should not be used while wearing contact lenses. Most patients with commercial health insurance have plans that cover most of the cost of RESTASIS ® prescriptions. Most patient co-pays for a RESTASIS® prescription ranges from $20 to $50 for a monthly supply (2 trays).

neg: Soil Genesis and Development, Lesson 4 - Soil Profile Development R: An R layer is bedrock. When a soil has direct contact with bedrock, especially close to the soil surface, the bedrock becomes a variable when developing land use management plans and its presence is noted in the soil profile description.

neg: - In-network: 30% of the plan allowance. Out-of-network: 30% of the plan allowance and any difference between our allowance and the billed amount. * Class A, B and C Covered Services are limited to a combined Calendar Year Maximum Benefit of $25,000 per covered person. ** Plans cover two cleanings per calendar year.

neg: - 2. France Member companies set the rates for the original business and premiums are ceded to the pool as a percentage of the original premium, based on insured values: • Between €6 million and €20 million @ 6% • Between €20 million and €50 million @ 12% • Over €50 million @ 18% of original premium.

neg: NCUA & FDIC Insurance Limits: How Coverage Is Calculated Each account holder is federally insured up to $250,000, which is backed by the full faith and credit of the federal government through the National Credit Union Administration. For further protection, we provide an additional $250,000 of insurance through Excess Share Insurance – for a total of up $500,000 per owner.

neg: - A Systematic Investment Plan (SIP) helps you do just that. With SIP, you can invest a fixed amount in mutual funds step-by-step monthly or quarterly over a period of time, thereby averaging out your cost of investing and benefiting from the power of compounding.The power of compounding works best as you stay invested helping your money earn money over the years.ith SIP, you can invest a fixed amount in mutual funds step-by-step monthly or quarterly over a period of time, thereby averaging out your cost of investing and benefiting from the power of compounding. The power of compounding works best as you stay invested helping your money earn money over the years.

neg: Comprehensive insurance Comprehensive deductible. Deductibles for comprehensive insurance typically range from $0 to $1,000. This means you'll pay out-of-pocket for any amount up to your deductible and Allstate will cover the rest. And the lower your deductible, the less your insurance will likely cost. Your car's cash value Choosing what's right for you depends on your vehicle's value; if it's less than your deductible, comprehensive coverage may not be the right fit.

neg: How Much Is My ICBC Claim Worth? ICBC’s internal soft tissue injury settlement guidelines are to value Whiplash Associated Disorder injuries as follows: 1  Mild Injuries : $0 – $6,500 for non-pecuniary damages. 2  Mild/Moderate Injuries: A maximum of $10,000 for non-pecuniary damages.3  Moderate Injuries: A maximum of $15,000 for non-pecuniary damages.he Supreme Court of Canada set a limit for non-pecuniary damages at $100,000 in 1978. This figure is adjusted for inflation and has a current value of approximately $300,000.

neg: - Col. Thomas L. Morgan, the commander of the 183rd RTI, presided over the exchange of organizational colors that began and ended with Master Sgt. Robert K. Kennedy, the 1st Battalion chief instructor, signifying the transfer of command from Dunn to Gravely.

neg: - Coverage differs from plan to plan so check your plan brochure or the plan website to find coverage details. As an example, some plans cover a percentage (often 80% to 100%) of the cost of therapy up to a specified limit. Coverage can be as little as $300 and as much as $1000 per year. Health care spending accounts: Some employers provide these accounts, covering a range of health services, including counseling and therapy by qualified professionals.

neg: - The CBO estimates that LTC expenditures for the elderly in 2004 (excluding the value of donated care from family and friends) will total about $135 billion, but private LTC insurance will cover only 4% of that (with Medicare and Medicaid shouldering nearly 60%).

neg: - Any unauthorized use of this website is a crime punishable by law. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members.

neg: The Real Cost of a DUI in California The True Cost of a DUI. Added together all of these DUI-related costs mean you should be ready to pay an estimated $45,435 for a DUI. Keep in mind that this is an estimated minimum for a first-time offense.There is a very good chance you could end up paying more and the number will just keep increasing after each violation.ommitting a DUI in California could cost you over $45,000. Most of us are well aware of the dangers of drinking and driving. The exponentially increased risk of hurting yourself and others in an accident should be more than enough to deter everyone from driving under the influence (DUI).

neg: - The Ministry of Health and Long-Term Care pays for the health care you receive, but you must pay for the accommodation costs of the Long-Term Care (LTC) Home. Accommodation rates are adjusted annually by the Ministry of Health and Long-Term Care and are the same across Ontario.sk your CCAC health care professional to outline more fully what your own costs would be. Rate Reduction based on your income If your annual net income is below $21,000, you may be eligible for a rate reduction. Your annual income must be disclosed to the Long-Term Care (LTC) Home when applying for a rate reduction.

neg: Securities Investor Protection Corporation (SIPC) If your brokerage firm goes out of business and is a member of the Securities Investor Protection Corporation (SIPC), then your cash and securities held by the brokerage firm may be protected up to $500,000, including a $250,000 limit for cash.


query: when was the first britannica encyclopedias published

pos: Your tome is up... Encyclopedia Britannica ends its print edition after 244 years as it fully embraces digital age The Encyclopedia Britannica, which has been in continuous print since it was first published in Edinburgh in 1768, said today that it will continue with digital versions currently available online. The final set of the 32-volume printed edition remains available for sale on the company's website for £890 ($1,400). Scroll down for video

neg: Henry Ford Allegiance Hospice Henry Ford Allegiance Hospice type, unique identification code, ownership type, accreditation,short term inpatient care type, address, contact number, fax number and all other information is provided as below. Recipients can directly walkin or can call on the below given phone number for appointment.

neg: - Compton's Pictured Encyclopedia 15 Volume Set 1932. Compton's Pictured Encyclopedia 15 Volume Set, 1932 edition. A great set, lots of photos. Pages are mostly black and white but there are some color pages. Volume 15 has a large scuff on the front cove...

neg: Body louse Carl Linnaeus (1707 –1778) SystemaNaturae-the 10 th edition was released in 1758, it is the starting point for zoological nomenclature Names published before that date are unavailable, even if they would otherwise satisfy the rules.

neg: - National Geographic was publishing four–color editorial as early as 1910 (Edkins, 1978). At this time, newspapers and books were the main competitors of magazines (Peterson, 1956). But a new mass medium was on the horizon — one that did not require reading.

neg: - Britannica First Edition Replica Set (3 vol.) [Encyclopedia Britannica] on Amazon.com. *FREE* shipping on qualifying offers. Nearly a quarter millennium after the Society of Gentlemen in Scotland captured the sum total of extant human knowledge in the first edition of the Encyclopedia Britannica

neg: Citation Help for APA, 6th Edition: Encyclopedia Author of the article: Lu, M. C., & Bragonier, J. R.Begin with Last name first. First and middle name always represented by initials. Year of publication: (2002).Date the encyclopedia set was published. Examine the title page or the title page verso (backside) to determine the date of publication.

neg: AP Euro Chapter 17 Vocab Definition: Encyclopedia, or a Systematic Dictionary of the Sciences, Arts and Crafts, was a general encyclopedia published in France between 1751 and 1772, with later supplements, revised editions, and translations.

neg: World Book Encyclopedia It is produced by World Book, Inc., which is headquartered in Chicago. 1  The World Book was first published in 1917 and revised annually from 1925. Its title was later shortened to World Book. 2  By 1995 World Book had become available in two CD-ROM versions, and by 1999 it was available online.

neg: Citation Help for APA, 6th Edition: Encyclopedia First and middle name always represented by initials. Year of publication: (2007).Date the encyclopedia set was published. Examine the title page or the title page verso (backside) to determine the date of publication. Place in parentheses with a period following.

neg: EncyclopÃ¦dia Britannica The Encyclopædia Britannica (Latin for British Encyclopaedia), published by Encyclopædia Britannica, Inc., is a general knowledge English-language encyclopaedia. It is written by about 100 full-time editors and more than 4,000 contributors, who have included 110 Nobel Prize winners and five American presidents.

neg: Encyclopedia Britannica halts print publication after 244 years And now it's going out of print. The Encyclopedia Britannica has announced that after 244 years, dozens of editions and more than 7m sets sold, no new editions will be put to paper. The 32 volumes of the 2010 installment, it turns out, were the last. Future editions will live exclusively online.

neg: About Us Britannica is online, in e-books, and on mobile devices. Britannica is math, science, and social studies. Britannica is for the 2nd-grader learning math, the teacher explaining the laws of gravity, and the lifelong learner trying to understand the latest political crisis.

neg: Newspaper The first non-official Turkish newspaper, Ceride-i Havadis (Register of Events), was published by an Englishman, William Churchill, in 1840. The first private newspaper to be published by Turkish journalists, Tercüman-ı Ahvâl (Interpreter of Events), was founded by İbrahim Şinasi and Agah Efendi and issued in 1860.

neg: The Decline of Wikipedia When they saw how enthusiastically people embraced the notion of an encyclopedia that anyone could edit, Wales and Sanger quickly made Wikipedia their main project. By the end of its first year it had more than 20,000 articles in 18 languages, and its growth was accelerating fast. In 2003, Wales formed the Wikimedia Foundation to operate the servers and software that run Wikipedia and raise money to support them.

neg: Op-ed But Swope included only opinions by employees of his newspaper, leaving the modern op-ed page to be developed in 1970 under the direction of The New York Times editor, John B. Oakes. The first op-ed page of The New York Times appeared on 21 September 1970.

neg: - It was published in Warsaw. The next edition, the fifth, was published in Toru, Copernicus' birth place, in 1873 to commemorate the 400 anniversary of his birth. The sixth edition was published in Munich in 1949, and the seventh again in Warsaw in 1972, this time to commemorate the 500 anniversary of his birth.

neg: - Britannica Online For Kids provides access to curriculum relevant encyclopedia articles, learning activities, games and videos for Key Stages 1, 2 and 3 in the UK, grades 1 through 9 in the US, and grades 3 through 10 in Australia/New Zealand.

neg: Palgrave Macmillan In 2008, Palgrave Macmillan published The New Palgrave Dictionary of Economics, 2nd edition, edited by Steven N. Durlauf and Lawrence E. Blume. In 2009 Palgrave Macmillan made over 4,500 scholarly ebooks available to libraries.lassical historian Sir Francis Palgrave, who founded the Public Record Office, and his four sons were all closely tied with Macmillan Publishers in the 19th century:

neg: - December 6 1768 – Encyclopædia Britannica is published for the first time The iconic Encyclopædia Britannica was the brainchild of the printer and bookseller Colin Macfarquhar and the engraver Andrew Bell.

neg: Expensive, Useless, Exploitative Why we should celebrate the end of the Encyclopedia Britannica’s print edition. Photograph by Mario Tama/Getty Images. It was either a door-to-door salesman or a hawker at the county fair who suckered my parents into buying the Encyclopedia Britannica.

neg: American Colonization Society From 1825 to 1919, it published the African Repository and Colonial Journal. After 1919, the society essentially ended, but it did not formally dissolve until 1964, when it transferred its papers to the Library of Congress.

neg: - He issued five volumes of supplementary material and a two-volume index from 1776 to 1780. Some scholars include these seven extra volumes as part of the first full issue of the Encyclopedie, encyclopédie for a total of 35, volumes although they were not written or edited by the original. authors

neg: - In 1985, the Britannica responded to reader requests by restoring the index as a two-volume set. The number of topics indexed by the Britannica has fluctuated from 500,000 (1985, the same as in 1954) to 400,000 (1989,1991) to 700,000 in the current 2007 print version.

neg: Dictionary On 1616, John Bullokar contributed on the history of dictionary with his English Expositor. Elisha Coles published his English Dictionary in 1676. Glossographia by Thomas Blount on 1656, contains more than 10,000 words along with their etymologies or histories.

neg: Encyclopedia Encyclopedias are divided into articles or entries, which are usually accessed alphabetically by article name. Encyclopedia entries are longer and more detailed than those in most dictionaries. Generally speaking, unlike dictionary entries, which focus on linguistic information about words, encyclopedia articles focus on factual information to cover the thing or concept for which the article name stands.


query: can new insulation smell

pos: How long will the odor last from our newly installed cellulose insulation? How long will the odor last from our newly installed cellulose insulation? The odor is kinda of like a mild ammonia smell and is only noticeable when we're running the a/c.

neg: How to Install Fiberglass Batt Insulation Fiberglass batts are the cheapest, easiest way to insulate new walls. However, they're often installed poorly—and even small gaps can reduce efficiency as much as 25 percent. In this article, we'll show you how to avoid those mistakes, how to cut and fit fiberglass batts and how to work around electrical outlets and cables.

neg: Keeping The Heat In - Chapter 6: Basement insulation 1 Do not insulate a basement with moisture problems from the inside (leaks, dampness, efflorescence and blistering paint). If you must, take corrective measures to eliminate the moisture before adding insulation or your new walls will rot.  Adding insulation to the inside will make the foundation walls even colder.

neg: The Best Type of Insulation For Your Allergies You’re effectively keeping more allergens out with spray foam insulation (and a good air filter), improving your indoor air quality. Finally, this type of insulation is the greener option. It doesn’t settle over time like batts that need to be reinforced on occasion.

neg: - If you smell something burning the first time you use your furnace, it might not be a problem. But it could be. Don't become a statistic. By Chris Carpenter (Patch Poster) - November 11, 2014 12:29 pm ET.

neg: - Proper insulation will keep your home cooler in the warmer months and warmer in the cooler months. This happens because heat that is trapped inside transfers outward to cooler air and when low grade insulation is used, openings can allow for heat to permeate. This permeation is what gives insulation its R-Value..

neg: - The Rule requires that R-value tests be conducted at a mean temperature of 75°F (23.9°C) and a temperature differential of 50°F (27.8°C). This means that insulation is usually tested with the cold side at 50°F (10°C) and the warm side at 100°F (37.8°C).3.

neg: How To Do Insulation For Basement The stud walls are built tightly against the foam pressing it to the foundation. Fill the stud cavities with un-faced fiberglass batts for a toasty warm basement. The foam insulation method works best if the foundation walls are smooth. If the basement is an old stone foundation, spray foam insulation companies can spray expanding foam directly on the rough masonry. It'll be expensive, but it can be done and it will do a fantastic job.

neg: - However, keep these hazards in mind and be aware of any warning signs that may alert you to areas where the insulation is poking through in to the home or other instances where dangerous exposure may have occurred. This knowledge can keep your family, your handymen, and you safe.

neg: - Blankets of Insulation-Fiberglass and Rockwool-R-3+ per inch. This is the most common type of insulation available in the large home improvement stores. It's sold in large compressed bundles of varying widths and thicknesses because the space between the framing and the depth of the framing are always different.he blower forces the insulation through a large hose. As the insulation flies out of the hose, the installer directs the flow of insulation into place. The main benefit to using blown in insulation is how perfectly and completely it fills the space in between the walls, floors and ceilings of your home.

neg: heat pump smell heat pump smell. We live in a 17 year old house. We replaced the original heat pump with a Trane this past summer. We live near the Georgia Florida border. The air conditioning worked great. The heat works fine too but during this last bit of cold weather there has been an intermittent odd odor coming out of the vents.

neg: The Best Insulation Type for Your Garage Blown-in Insulation: If you already have drywall installed around your garage but don’t have it insulated, then blown-in insulation may be the answer. A contractor will come and open up a hole in the wall, pump in a cellulose insulating material, and then patch up the opening.

neg: Cellulose Installation Insulation Rebates available from Utility Companies! Utility companies in several states are offering rebates for adding additional insulation to existing homes. Ask your Nu-Wool Dealer for details on any rebates available in your area.

neg: - 1 Any gaps between the floor and the insulation can allow air movement that reduces the insulation R-value. 2  Make sure the insulation expands to its full label thickness (any areas of compression will also cause a reduction of R-value).

neg: What Is the Difference Between Pink Fiberglass Insulation & Yellow Insulation? Blown-in fiberglass insulation comes in white, pink or yellow and is blown into a space with air instead of being installed in pieces, which are called batts. Older types of blown-in insulation are normally yellow, as white and pink blown-in fiberglass insulation can appear yellowish as they age or become dirty.hile pink fiberglass insulation is essentially a name brand product, yellow insulation is the default color for most other fiberglass insulation manufacturers.

neg: - Adding Insulation to an Existing Home. Adding insulation in an existing home saves money and improves comfort. | Photo courtesy of Dennis Schroeder, NREL. Unless your home was specially constructed for energy efficiency, you can probably reduce your energy bills by adding more insulation.dding Insulation to an Existing Home. Adding insulation in an existing home saves money and improves comfort. | Photo courtesy of Dennis Schroeder, NREL. Unless your home was specially constructed for energy efficiency, you can probably reduce your energy bills by adding more insulation.

neg: Adding Attic Insulation But many homeowners I talk with don't know how much is enough. The answer depends on where you live. Typically, houses in warm-weather states should have an R-38 insulation in the attic, whereas houses in cold climates should have R-49. These insulation levels will keep heated air from migrating out in winter.

neg: Eliminating Musty Odors & Other Smells In Basements 1 Wet Building Materials: Wet drywall has a musty smell, while wet fiberglass have a sulfuric, rotten egg smell.  Animal Smells: Animal waste and urine is a common concern in a basement. Additionally, foul smells can occur when rodents or other pests die in the walls or elsewhere in the basement.

neg: - Insulation R-value is only valid in still air. If you have a breeze going through your attic from soffit or roof vents it will degrade the R-value of exposed fiberglass insulation. The best results are gained by decking over the insulation, using a sheet product over exposed fiberglass insulation, or sealing up the attic completely and using a foam product under the roof deck to make the attic an enclosed space.

neg: Insulation Buying Guide The most common insulation materials are fiberglass, cellulose and foam. Insulation types include loose fill, batts, rolls, foam board, spray board and vapor barriers. Tip: The type of insulation you need depends on which is currently installed and the required R-value. Blown-in/loose fill. 1  Usually made of fiberglass or cellulose (recycled paper fiber) 2  Blown or sprayed into place with pneumatic equipment. 3  Ideal for hard-to-reach areas such as attics.  Can fill wall cavities and installed over existing insulation.

neg: Sudden attacks of weird smells and tastes. Anybody get them or know about them? First smell to arrive was Yardley make up powder. I put down to a passing old lady and her reminding me of my late Nan. Then it moved on to, acrid smoke, think more long the lines of cigarette tinged with plastic wires being burnt. That also gave me the same taste and feeling as though I was breathing it in an out.

neg: - Central Heat Smells Like Something Is Burning. If your central heat smells like something is burning, it may be due to an accumulation of dust. Find out what happens if your central heat smells like something is burning with help from a construction expert in this free video clip. Hi, this is Nicholas Iarocci, The Home Source Guy, President and Owner of Source Development, Inc., a residential and commercial construction company in Garnerville, New York.

neg: - Hi, we have a nasty septic like smell outside my house, You can smell it immediately when you walk out the front or side of the house. We had the smell inside our house whenever we put the heat on so we put water in drains (we have not finished our master bath yet) and then we capped all the open pipes.

neg: - If you're uncertain about installing spray foam insulation, Energy Star has a map that recommends levels of insulation by R-value and cost-effectiveness in the United States. Return to Top. There is a significant price difference when it comes to using spray foam to insulate a new versus older home.

neg: - Attics Attics Attic insulation is essential for keeping out cold air in the winter and hot air in the summer. Insulating your attic is a DIY project you can do in a weekend, and it can save you up to 20% on your energy bills. Floors & Walls Floors & Walls Adding insulation to floors and walls will help improve noise control in your home as well as thermal performance. So you can enjoy a quieter, more comfortable home.

neg: The Right Way to Add More Insulation to Your Attic Fiberglass insulation usually comes with a paper moisture barrier. Always make sure the vapor barrier is facing the heated portion of your home. If this were an attic, the barrier would be on the bottom. When adding insulation, you'll first want to bring the fiberglass up to the tops of the joists. To do this, use an unfaced insulation with no paper moisture barrier. Once you're level with the joist tops, you can add more insulation by running it at right angles to the joists.


query: average salary adolescent medicine

pos: - Division Of Adolescent Medicine, Chief average salary is $115,000, median salary is $- with a salary range from $115,000 to $115,000. Division Of Adolescent Medicine, Chief salaries are collected from government agencies and companies.Each salary is associated with a real job position.Division Of Adolescent Medicine, Chief salary statistics is not exclusive and is for reference only.ivision Of Adolescent Medicine, Chief salaries are collected from government agencies and companies. Each salary is associated with a real job position.

neg: - An average starting annual salary for a sports medicine physician in the United States ranges from between $41,022 – $243,764 per year while an average annual salary bonus is around $25,434 will be included.Hence, the total annual salary ranges from between $35,034 – $261,182.ports medicine physician salary in Canada. A sports medicine physician based in Canada receives an average starting hourly wage of around $84.67 per hour, which gradually increases to a range from between $80.41 to $91.29 per hour. An average yearly salary ranges from between C$ 83,400 to C$ $126,578 per year.

neg: Petroleum Engineer  Salary Compensation for General Pediatricians in the United States is generous, with average pay surpassing six figures annually ($140K).

neg: Child Psychiatrist Salary Child psychiatrists with 10 to 19 years of experience under their belt earn salaries in the range from $102,129 to $260,173 a year, and professionals with 20 or more years of experience typically make between $107,659 and $265,534 a year according to Payscale.ased on the salary data provided by ValueMD.com, child and adolescent psychiatrists earn $158,000 a year in the first two years of practice. Based on the salary data reported by Payscale, child psychiatrists with less than a year of work experience typically earn salaries in the range from $144,416 to $172,500 a year.

neg: - Part-Time Earnings. This survey indicated that the average salary of part-time pediatricians was $71,615 per year, nearly $34,000 less than that of their full-time counterparts. Part-time pediatricians expected to work 15 hours less per week than their full-time peers, working 23 hours per week rather than 38 hours.

neg: - The rate of childand adolescent psychiatrists per 100,000 youth for theUnited States as a whole was 8.67 in 2001, as comparedto 6.73 in 1990, and the state-by-state mean was 8.57with a median of 7.10.s with the Rural-Urban Continuum,the rate of child and adolescent psychiatrists per100,000 youth varied greatly within each level ofpercentage of youth living in poverty.Table 4 provides the number of all psychiatryresidents and child and adolescent psychiatry residentsby year from 1990 to 2006.

neg: - 2013 Nurse Practitioner & Physician Assistant Salary Survey. Next Prev. The average salary among all NPs earning between $20,001 and $149,999/year is $94,881.22 and the average salary among all PAs earning between $20,001and $149,999 per year is $100,497.78. For the third consecutive year, the highest percentage of NP and PA respondents were family/adult medicine practitioners.

neg: The Average Salary of a Pediatric Physician Assistant Salary. The nation’s 83,540 physician assistants earned an average salary of $89,470 as of May 2011, according to the Bureau of Labor Statistics. More than half – 47,600 – worked in physicians’ offices where they earned an average salary of $89,860.PAs working in specialty (except for psychiatric and substance abuse) hospitals earned the highest average annual salary, $96,880. Rhode Island was the top paying state for PAs as of May 2011, according to the BLS.ore than half – 47,600 – worked in physicians’ offices where they earned an average salary of $89,860. PAs working in specialty (except for psychiatric and substance abuse) hospitals earned the highest average annual salary, $96,880. Rhode Island was the top paying state for PAs as of May 2011, according to the BLS.

neg: Pediatrics Salaries For a pediatrician out of residency for just a few years the average starting salary is around $135,000, while overall the average pediatrician salary is in the area of $175,000 a year.As with any medical career, a major determinant of salary is the level of specialization.ediatrician Salary by Subspecialty. As with any medical career, a major determinant of salary is the level of specialization. While the average salary for pediatricians is around $175,000, that of pediatric specialists is typically higher.

neg: Pediatrics Salaries For a pediatrician out of residency for just a few years the average starting salary is around $135,000, while overall the average pediatrician salary is in the area of $175,000 a year. Pediatrician Salary by Subspecialty. As with any medical career, a major determinant of salary is the level of specialization. While the average salary for pediatricians is around $175,000, that of pediatric specialists is typically higher. Pediatricians with at least 3 years experience who are specialized in neurology or oncology/hematology can typically earn up to $250,000, while pediatric surgeons typically earn $400,000-$500,000 a year.

neg: A Junior Doctor's Salary According to Medscape, right now the average pediatrician makes $173,000, the average neurologist makes $217,000, general surgeon $279,000, radiologist $349,000, and, at the highest end, the average orthopedic surgeon makes $405,000. So doctors are earning very solid salaries, once they are done with their training.

neg: Recruiter.com helps healthcare professionals find better paying jobs across all specialties and locations. Employees with these jobs can receive the best compensation in Health Care and Social Assistance, which has average pay of $169910. The national wage distribution is shown below. To overlay local salaries for a General Pediatrician, please select your state.

neg: - The overall median salary for a typical pediatrician in the United States is about $171,467 per year while an average hourly wage is about $40.76 per hour.

neg: Do You Have an Enlarged Spleen? Warning Signs + 5 Treatments what causes liver and spleen swelling 1 One of the most likely causes of an enlarged spleen is an infection, since swelling in the spleen signifies an increase in white blood cells that are trying to attack something threatening. 2  Leishmaniasis, a type of parasitic disease found in parts of the tropics, subtropics and southern Europe, can lead to an enlarged spleen. more information...

neg: How Much Do Resident Doctors Get Paid? Internal medicine resident doctors make on average $47,699 a year, according to American Medical Association statistics. Anesthesiology residents make an average $48,343 a year and dermatology residents make on average $49,142 a year. Resident doctors in a plastic surgery residency have the highest average salary of $55,151 a year, according to the American Medical Association data.

neg: - Salaries for General Pediatricians in the United States are generous, with average pay above six figures ($139K) per year. Compensation ranges between $93K and $200K per year.alaries for General Pediatricians in the United States are generous, with average pay above six figures ($139K) per year. Compensation ranges between $93K and $200K per year.

neg: How much does a Physician Assistant make in North Carolina? Average Physician Assistant Yearly Salary in Wisconsin. Physician Assistants earn a median salary of $93,070 per year. Salaries typically start from $66,280 and go up to $122,700. Learn more about the Physician Assistant job market for salaries of real jobs in your area.

neg: How much do doctors get paid? 1 Pediatrics/adolescent medicine: $152,690. 2  Family practice (without obstetrics): $150,267. 3  ER doctors get paid 215,000+ a year (This is from the Medical Group Management Association, Physician Compensation and Production Report, 2003, as reprinted in the Department of Labor's career outlook handbook.).

neg: Pediatrician Compensation Report: 2013 Pediatrician compensation varies significantly by region. Doctors in the Great Lakes region earned the most, with a mean compensation of $182,000. Pediatricians in the Northeast earned the least ($165,000). Those in the Northwest earned just slightly more, with a mean income of $166,000.

neg: Pediatrics Salaries Pediatrician Salary by Subspecialty. As with any medical career, a major determinant of salary is the level of specialization. While the average salary for pediatricians is around $175,000, that of pediatric specialists is typically higher.Pediatricians with at least 3 years experience who are specialized in neurology or oncology/hematology can typically earn up to $250,000, while pediatric surgeons typically earn $400,000-$500,000 a year.s with any medical career, a major determinant of salary is the level of specialization. While the average salary for pediatricians is around $175,000, that of pediatric specialists is typically higher.

neg: - Average salary. The average salary for sports medicine doctors employed in the United States is $177,000 a year according to the salary data provided by Indeed, $200,173 according to Salary.com, and $163,222 a year according to Payscale.

neg: Pediatrics Salaries For a pediatrician out of residency for just a few years the average starting salary is around $135,000, while overall the average pediatrician salary is in the area of $175,000 a year.As with any medical career, a major determinant of salary is the level of specialization.While the average salary for pediatricians is around $175,000, that of pediatric specialists is typically higher.Pediatricians with at least 3 years experience who are specialized in neurology or oncology/hematology can typically earn up to $250,000, while pediatric surgeons typically earn $400,000-$500,000 a year.s with any medical career, a major determinant of salary is the level of specialization. While the average salary for pediatricians is around $175,000, that of pediatric specialists is typically higher.

neg: - Child psychiatrist’s salary is around $170,000 in the United States. Child psychiatrists, also known as adolescent psychiatrists earn an annual salary of around $193,000.verage child psychiatrist salary. Child psychiatrist in some areas earns salary higher than the nationwide range according to BLS. The annual salary for them as of May 2011 was $170,000 according to the report submitted by the BLS.

neg: 22 While the average salary for pediatricians is around $175,000, that of pediatric specialists is typically higher. Pediatricians with at least 3 years experience who are specialized in neurology or oncology/hematology can typically earn up to $250,000, while pediatric surgeons typically earn $400,000-$500,000 a year.

neg: - Conclusion about pediatric oncologist salary. An average salary for a pediatric oncologist is around $124,201 per year, while the median salary is about $117,500 per year. The total annual salary ranges from between $78,975 to $218,463 per year.

neg: - For emergency medicine physicians, the average was $255,000, with the high and low ranging from $160,000 to $380,000 per year. Anesthesiologists fared better, with a range of $290,000 to $475,000 and an average salary of $355,000 a year.


query: what payments are determined in dtir

pos: Welcome to Our Real Estate Website! Many factors are considered, including your monthly income, debts, assets, and current interest rates. After taking your loan application and running your credit, your loan officer will compute the interest rate that you qualify for. Your credit score, the type of property you are buying, and the type of loan program all change the interest rate you will get. In addition they will calculate your debt-to-income ratio (DTIR), which is calculated by dividing your monthly income by your monthly payments. A good debt to income ratio will be below 40% - although many loan programs allow for slightly higher ratios.

neg: How Are Benefit Payments Calculated? Social Security Disability benefit payments are calculated based on the amount of money an individual has earned over the course of their work life.he amount of money you have earned is positively correlated with the amount you are eligible to receive in disability payments. However, there are both minimum and maximum amounts that are in place despite the individual's earnings.

neg: Interest Rate Differential (IRD) Most closed fixed-rate mortgages have a prepayment penalty that is the higher of 3-months interest or the IRD. Most variable-rate mortgages do not have IRD penalties.Here is a calculator that let’s you estimate your mortgage penalty.Edit the figures in yellow and press Tab after each edit.ost closed fixed-rate mortgages have a prepayment penalty that is the higher of 3-months interest or the IRD. Most variable-rate mortgages do not have IRD penalties.

neg: - Use our mortgage loan calculator to determine the monthly payments for any fixed-rate loan. Just enter the amount and terms, and our mortgage calculator does the rest. Click on “Show Amortization” Table to see how much interest you’ll pay each month and over the lifetime of the loan.The mortgage loan calculator will also show how extra payments can accelerate your payoff and save thousands in interest charges.oan term: The length of time you have to pay off your loan (30- and 15-year fixed-rate loans are common terms). Amortization table: Timetable detailing each monthly payment of a mortgage.

neg: Calculations Calculate the percentage of debt you have compared to your income. This ratio factors into how much you can borrow. Debt-to-income (DTI) ratio reflects how much of your gross monthly income is used toward your monthly debt payments.

neg: - If two or more eligible and well-qualified employees are referred and management determines they are equally qualified, the employee with the highest adjusted creditable service -- adjusted SCD (service computation date) for RIF (reduction in force) -- will be selected.

neg: Calculate Your Vehicle's Residual Value A monthly lease payment is calculated using the difference between the vehicle's adjusted capitalized cost (e.g. the amount you agree to pay for the vehicle, including all incidental charges) and the predicted residual value of the vehicle.

neg: Calculating Forward Prices, Forward Rates and Forward Rate Agreements (FRA) â Calculation reference Where st is the t-period spot rate and. ft-1,t is the forward rate applicable for the period (t-1,t) To solve for YTM we are solving for the interest rate (r) in the bond valuation formula: Where CPt is the coupon payment at time t and MV is the maturity value at time n (i.e. at maturity).

neg: Interest Rate Differential (IRD) Interest Rate Differential (IRD). The IRD is a compensation charge that may apply if you pay off your mortgage prior to the maturity date, or pay the mortgage principal down beyond the amount of your prepayment privileges.ost closed fixed-rate mortgages have a prepayment penalty that is the higher of 3-months interest or the IRD. Most variable-rate mortgages do not have IRD penalties. Here is a calculator that let’s you estimate your mortgage penalty. Edit the figures in yellow and press Tab after each edit.

neg: Sausage: What is ChouriÃ§o? A dry sausage similar to the more popular Spanish chorizo (which may be substituted for it in recipes), chouriço is very garlicky, red-brown with paprika, and sold in links about 10 inches long and 1 1/2 inches in diameter.

neg: - The straight-line method calculates an evenly distributed amortization or accretion schedule across the life of the bond, spreading the premium or discount amount evenly over all periods. You can use this method with all bond security types: fixed income, mortgage-backed, and T-Bills.

neg: - To determine your DTI ratio, simply take your total debt figure and divide it by your income. For instance, if your debt costs $2,000 per month and your monthly income equals $6,000, your DTI is $2,000 ÷ $6,000, or 33 percent.

neg: What is 'Debt-To-Income Ratio - DTI' What is the 'Debt-To-Income Ratio - DTI'. A personal finance measure that compares an individual’s debt payment to his or her overall income. A debt-to-income ratio (DTI) is one way lenders (including mortgage lenders) measure an individual’s ability to manage monthly payment and repay debts. DTI is calculated by dividing total recurring monthly debt by gross monthly income, and it is expressed as a percentage.

neg: Chapter 20. Examination Collectibility When the taxpayer requests an installment agreement, or indicates they would like to set up a payment plan, the examiner must determine if the taxpayer qualifies for an installment agreement under requirements of IRM 5.14.1.3, Identifying Pending, Approved, and Rejected Installment Agreement Proposals on IDRS, before requesting input of a Pending Installment Agreement indicator.

neg: Guaranteed Payment! Guaranteed payments are included in income in the partner's tax year in which the partnership's tax year ends. Under the terms of a partnership agreement, Erica is entitled to a fixed annual payment of $10,000 without regard to the income of the partnership. Her distributive share of the partnership income is 10%.

neg: Definitions for contretemps Citations for contretemps. Pan had been amongst them--not the great god Pan, who has been buried these two thousand years, but the little god Pan, who presides over social contretemps and unsuccessful picnics. E. M. Forster, A Room with a View, 1908 The evening had had its contretemps, its varying curve of success, but as a whole it was a triumph.

neg: Rhode Island Title Insurance Rate & Transfer Tax Calculator The Rhode Island title insurance rate calculator is based on Stewart Title Guaranty rates (10/12) for 1 – 4 unit residential properties and condominiums. Rhode Island does not require that title insurance rates be filed. The purchaser usually pays for both the owner's and loan policies. According to Stewart Title Guaranty: Mortgage Transfer Taxes-Rhode Island does not have a mortgage tax.

neg: REALTOR IN FRISCO TX 1) Mortgage Payment Expense to Effective Income. Add up the total mortgage payment (principal and interest, escrow deposits for taxes, hazard insurance, mortgage insurance premium, homeowners' dues, etc.). Then, take that amount and divide it by the gross monthly income. The maximum ratio to qualify is 31%. Add up the total mortgage payment (principal and interest, escrow deposits for taxes, hazard insurance, mortgage insurance premium, homeowners' dues, etc.) and all recurring monthly revolving and installment debt (car loans, personal loans, student loans, credit cards, etc.).

neg: How To Calculate Your Debt To Income Ratio Your debt-to-income ratio is calculated by dividing your monthly income by your monthly debt payments. DTI = monthly debt / monthly income The first step in calculating your debt-to-income ratio is determining how much you spend each month on debt.

neg: 5 CFR 550.709 - Accrual and payment of severance pay. The amount of the severance payment is computed using the recipient's rate of basic pay in effect immediately before separation, with credit for each day of severance pay accrual during the pay period corresponding to the payment date.

neg: - Debt to Income Ratio (DTI) – One of the first factorsa lender may consider when deciding how large amortgage loan you qualify for is your debt to incomeratio, or DTI. To calculate your DTI, add up yourcurrent monthly debt (credit card payments, car loans,etc.) and divide it by your total monthly pre-tax grossincome.

neg: Mortgages: How Much Can You Afford? The back-end ratio, also known as the debt-to-income ratio (DTI), calculates the percentage of your gross income required to cover your debts. Debts include your mortgage, credit card payments, child support and other loan payments. Most lenders recommend that your DTI does not exceed 36% of your gross income. To calculate your maximum monthly debt based on this ratio, multiply your gross income by 0.36 and divide by 12. For example, if you earn $100,000 per year, your maximum monthly debt expenses should not exceed $3,000.

neg: Debt to Income Ratio Calculator; Qualifying for FHA, VA and Conventional Mortgage Loans This should not exceed 42%.In our mortgage calculator page you will find a series of calculators that will help you with your mortgage qualifying calculations.Four specific factors are used to determine eligibility, these factors are:A-Income – This includes all your monthly income gross of taxes.

neg: - How to calculate your debt-to-income ratio. Your debt-to-income ratio (DTI) compares how much you owe each month to how much you earn. Specifically, it’s the percentage of your gross monthly income (income before taxes) that goes towards payments for rent, mortgage, credit cards, or other debt.

neg: - A first-lien Standard ATR balloon payment loan is a HPCT if its percentage rate (APR) is 1.5 or more percentage points more than a comparable average prime offer rate (APOR), or an APR 3.5 or more percentage points more than a comparable APOR for subordinate liens.

neg: What is 'Debt-To-Income Ratio - DTI' The DTI ratio can also be used to measure the percentage of income that goes toward housing costs, which for renters is the rent amount and for homeowners is PITI, which is the sum of the monthly loan service (principal and interest) plus the mortgage principal and interest, mortgage insurance premium, hazard insurance premium, property taxes, and homeowners' association dues.