Cold aloof mothers can damage your physical health into adulthood

Cold aloof mothers can damage your physical health into adulthoodCold aloof mothers can damage your physical health into adulthoodIf your mother was cold and distant, she could have done real damage to you not just emotionally, but at the genetic level.Researchers from Loma Linda University have found that a chilly, unsupportive parenting style from mothers result can result in premature aging and increased risk for disease later in life.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moraThe way someone is raised seems to tell a story that is intertwined with their genetics, said lead author Dr. Raymond Knutsen, an associate professor for the university, in a release.The answer lies in the telomeres the protective cap at the end of DNA strings. People who describe their mothers way of parenting as cold were found to have shorter telomeres.Telomere have been called a genetic clock, but we now kno w that as early life stress increases, telomeres shorten and the risk of a host of diseases increases, as well as premature death, said Knutsen.As early life stress increases, telomere shorten and the risk of a host of diseases increases, as well as premature death, he added.MethodologyFor the study, Knutsen and his colleagues used data from 199 people who participated in two studies of Seventh-Day Adventist men and women in the U.S. and Canada between 2002-2007. Using measurements of subjects telomeres and data about their childhood, researchers found that those who reported having aloof, distant, and cold mothers had telomeres that measured about 25% shorter than people with warm mothers.There were a few things that seemed to provide protection against a less-than-welcoming upbringing, however. The study suggested that both higher education and normal BMI may provide some resilience against cold parenting and cellular aging.A fathers parenting style was not significant enough to m ake an impact on telomere length, researchers said.You might also enjoyNew neuroscience reveals 4 rituals that will make you happyStrangers know your social class in the first seven words you say, study finds10 lessons from Benjamin Franklins daily schedule that will double your productivityThe worst mistakes you can make in an interview, according to 12 CEOs10 habits of mentally strong people

Mortgage Agreement FAQ - United States

Mortgage Agreement FAQ - United StatesMortgage Agreement FAQ - United StatesDefinitionsWhat is a mortgage?It is a security document where there is a transfer of an interest in land as security for a loan or anotlageher obligation. This is done via a lien being placed on the property until the balance is fully repaid. Upon full payment, the Mortgagee is responsible to execute a Satisfaction of Mortgage to clear the title of the property.Who is the Mortgagee?The Mortgagee is the lender, the party lending the money. Who is the Mortgagor?The Mortgagor is the borrower, the party using the property as security to secure a loan. Who is the Guarantor? The Guarantor is the person that is jointly liable for the loan if the Mortgagor defaults. Virtually all loan agreements have a guarantor of some form as this provides the lender more avenues to collect the loan should the borrower defaults and is unable to pay. What is the Principal Amount? The Principal Amount is the amount of the loan that i s owed by the Mortgagor to the Mortgagee. Once the Mortgagor has begun to pay back the borrowed amount, the Principal Amount refers to the amount of money still owing to the Mortgagee.What is the Interest Adjustment Date? The Interest Adjustment Date is the date that the Mortgage term begins and interest starts to accumulate.What is the Maturity Date?The Maturity Date is the date when the final payment of the balance owing on the mortgage becomes due. What is annual prepayment of the Principal? Typically in a mortgage agreement, one has to pay down the accrued interest prior to being allowed to pay down the Principal Amount. The annual prepayment of Principal option allows the Mortgagor to prepay a percentage of the Principal Amount each year before the payment is due. This has its advantages and disadvantages. It is a significant benefit to the Mortgagor as it reduces the total interest paid over the term of the Mortgage. Unfortunately, the Mortgagee will need to reinvest that pre paid money to continue to earn the saatkorn or similar interest income. What is the difference between a Mortgage Agreement and a Deed of Trust? Essentially both documents serve the same purpose the borrower is using the property as security to acquire the lenders loan. A mortgage creates a lien on the Mortgagors property and that serves as security for the loan. The mortgage is between the borrower and the lender. While in a Deed of Trust, a lien still exists and serves the same function however, a third party called the Trustee is also involved. The neutral third party will hold the title temporary for the beneficiary (the lender), until the loan is fully paid. Some common trustees are attorneys or title companies. In addition, when the borrower defaults, the foreclosure differs. For mortgages, the lender needs to go through judicial foreclosure process which takes longer. However, some states do have non judicial foreclosures available even for mortgages. Which states use a Mort gage Agreement and which states use a Deed of Trust? The following states use Mortgage Agreements Alabama, Arkansas, Connecticut, Delaware, Florida, Hawaii, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Michigan, Minnesota, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, Vermont, and Wisconsin.The following states use Deed of Trusts Alaska, Arizona, California, District of Columbia, Georgia, Mississippi, Missouri, Nevada, North Carolina, and Virginia.The following states may use either Mortgage Agreements or Deed of Trusts Colorado, Idaho, Illinois, Iowa, Maryland, Montana, Nebraska, Oklahoma, Oregon, Tennessee, Texas, Utah, Wyoming, Washington, and West Virginia.Please contact your local county recorder to see which document is used generally if you are in state that may use both documents. What is a Power of Sale clause? Typically when the Mortgagor defaults, the Mortgagee would have to go thro ugh the states judicial foreclosure process in order to foreclose on the property. This process requires time and money for the Mortgagee to carry out in court. However, in some states, if there is a power of sale clause in the mortgage agreement, then the Mortgagee would be allowed to foreclose the property and place it on public sale as long as applicable laws and notices have been observed. This would enable the Mortgagee to bypass the judicial process to recoup the loan faster after the Mortgagors default. Essentially, this clause in the mortgage would allow the Mortgagee to foreclose the property without any judicial process if the Mortgagor defaults. It is the Mortgagees responsibility to familiarize himself or herself of the states statutes to ensure compliance. Where can I find the appropriate applicable laws for notice and deadline requirements? Contact your local county recorder office or court clerk for further details. Property Information Where can I obtain the legal description of my property? You should be able to obtain the complete legal description of your property from the County Recorders Office by providing your municipal address or tax parcel number. What type of information should be listed under Further Description? You may include any information that further describes the property and its location. For example, you may include an attached floor plan of the house situated on the property, or diagrams demarcating the boundaries of the yard etc. This is not required but can be added merely to clarify what the property encompasses. Signing and Recording Who needs to sign the mortgage agreement? The borrowing party, the mortgagor, needs to sign the agreement. If there is a guarantor involved, he or she is also required to sign the agreement. Any signing relating to the agreement should be done before a notary.Why is there a large margin at the top of the Mortgage Agreement? The County Recorder who will file the document requires a 2-3 inch margin at the top of the document so that they can affix a stamp, filing number or some other form of information to help identify and record the document. Do not write in this space. I do not know when the mortgage agreement will be executed. Can I fill in the date later? Yes. By selecting Unsure as the date of execution, a blank line will be inserted into the contract so that you can add the correct date manually after printing the document. Can I get my Mortgage Agreement notarized in a different state than where the land is located? Most states recognize notarization of documents from other states, but you should contact the County Clerks Office where the property is located to be sure that they will allow notarization from another state. Our Mortgage Agreement allows for inter-state notarization by enabling you to select in which state you will have the document notarized, regardless of the location of the property. Does a Mortgage Agreement have to be notarized in order to be valid? Yes, after the signing of the Mortgage Agreement by the Mortgagor before a Notary, he or she must get it signed and stamped by a notary public to verify that the partys signatures are authentic before it can be filed with the County Clerks Office. What do I do with the Mortgage Agreement after it has been signed by the parties and a Notary Public? After the mortgage is signed before the witnesses and notarized, it should be filed at the land records office in the county where the property is located. This office is referred to by different names in different states, but is usually called the County Clerks Office, County Recorders Office, Register of Deeds, or Land Registry Office. After the Mortgage Agreement has been recorded at the County Recorders Office, who should it be sent to? Both the Mortgagor and Mortgagee should receive a copy of the Mortgage Agreement.

Learn About Dog Groomer Professional Certification

Learn About Dog Groomer Professional CertificationLearn About Dog Groomer Professional CertificationWhile professional certification is not a requirement for dog groomers to enter the field, there are several certification options that can further enhance a groomers credentials and earning potential. Here are some of the top canine organizations that offer professional certification options for dog groomers International Professional Groomers Inc. International Professional Groomers Inc. (IPG) is a worldwide organization that certifies individual groomers and also offers accreditation to grooming schools, grooming salons, and mobile grooming salons. Groomers can pursue two certification options with IPG the International Certified Master Groomer (ICMG) program, which offers five modules and the Advanced Professional Groomer Certification (APG) program, which teaches advanced skills for shape, style, and symmetry. The total cost for the ICMG program is $785 and $297 for the APG pr ogram. The International Certified Master Groomer (ICMG) option, also referred to as breed profile certification, involves a variety of written and practical tests that must be completed within a five-year period. Testing is based on the standard of excellence for the breed (using AKC standards in the United States and corresponding organizations in other countries). International Society of Canine Cosmetologists The International Society of Canine Cosmetologists (ISCC) is a global organization that certifies dog groomers through a combination of written and practical skills examinations. Testing is offered at all ISCC educational events, some major shows where ISCC has a booth, and through local proctor services in the applicants hometown. The program involves multiple levels of certification. Practical exams involve styling sporting, non-sporting, and terrier breeds. Most tests cost from $50 to $150 each, though the final two tests (300-level thesis and styling presentation) a re billed at a cost of $1,000 and $1,500 respectively. National Dog Groomers Association of America, Inc. The National Dog Groomers Association of America, Inc (NDGAA) is a professional association that offers certification through its National Certified Master Groomer (NCMG) program. The NCMG certification involves a variety of written and practical skills tests for several breed groups. The practical skills tests include the grooming of non-sporting breeds, sporting breeds, long-legged terriers, and short-legged terriers. Written exams include non-sporting, sporting, and terrier groups and are based on AKC standards. The final phase is the 400 question National Certified Master Groomer Exam that covers other groups (working, toy, and hound) as well as general terminology, health care, pesticides, clipper identification, and even some cat questions. The testing fee is $125 per breed group exam (including both the written and practical elements of the testing). The Master exam a lso costs $125 and can only be scheduled after all prerequisite exams have been successfully completed. Once achieved, the NCMG professional certification must be renewed each year at a cost of $50. International Certifications There are also several dog grooming certification options that are available only in specific countries, such as the City Guilds accredited qualifications for dog groomers in the United Kingdom or the Higher Diploma in Dog Grooming offered by the British Dog Groomers Association. Other Options The reputation of a dog groomer can also be enhanced by the completion of an intensive practical training course at a professional grooming school. Grooming schools generally provide several hundred hours of training before a student is awarded a certificate of completion. The length of the training may be condensed into several weeks or several months, depending on the individual program. The school may also be able to assist with networking, internships, and job placement after graduation. Another option is to take an apprenticeship with a well known experienced groomer or grooming salon. This practical approach does not result in a certificate per se, but a student can gain valuable hands-on experience and perhaps also benefit from the reputation and connections of their supervisor.