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The Dictionary of Health Economics, Third Edition
Anthony J. Culyer
Preface to the Third Edition
Anthony J. Culyer
…what it is that every health economist ought to know…
The third edition of The Dictionary of Health Economics has been substantially enlarged from 2310 entries to 2770. I have added 259 references as sources for definitions and examples of practice. The total number of items in the bibliography now stands at 1395. I have made the system of cross-references and internet links more comprehensive. As a whole, the Dictionary is now, I trust, as complete a statement as exists anywhere of what it is that every health economist ought to know.
I have removed the appendix of 100 selected cost-effectiveness research studies. The volume of such studies is now so enormous that there is a significant danger of health-technology assessment and cost-effectiveness analysis being taken to constitute the entire material content of health economics. To be sure, the achievements of the health economists working in that field are to be marvelled at but one no longer needs reminding of the tremendous scope such studies now embrace and there are now ample and easily accessed examples of studies of the very highest quality.
Every former entry has been examined, updated and refined where necessary, corrected in a few cases and removed when redundant. There are few cases of the latter, the principal ground for removal being the loss of a website or the abolition or change in name of an organization.
My intention remains as before: The Dictionary is not intended to compete with textbooks, though it aims to be more comprehensive in its coverage than any text. As in previous editions, I have often gone beyond merely providing a definiens by adding a commentary, an illustration or a hint about possible misunderstanding, as well as references to the literature. There continue to be many misapprehensions about the subject of economics, the sub-discipline of health economics and the influence of economists on decision making, some of which combine malicious intent with disgraceful misrepresentation.1 My main hope is that The Dictionary may be of use to the reader in a hurry (whether a beginning economist or someone who needs to understand what economists go on about, or a well-established health economist who wants a reliable source for checking something). It still aims to serve those who merely want a reminder about p. viiia topic or a quick and relatively painless introduction to it. It would be great if, to borrow from Sir Topham Hat (the Fat Controller in Thomas the Tank Engine), The Dictionary has turned out, as I have always hoped, to be a 'really useful engine'.
To the 'boundary issues' mentioned in the Preface to the second edition another needs to be added: health econometrics. Both theoretical innovations and immensely increased numbers of econometric applications have characterized recent years. I have tried to reflect this in both the entries and the bibliography. However I have typically not given the same detail as I have in many non-statistical entries, partly on account of the inordinate length that to have done so would have added to the book and partly on grounds of personal competence. There is undoubtedly a case for such an expansion but it is probably best done in another edition and with another compiler. For the present, therefore, such entries are mostly restricted to definitions only except, as in a few cases (e.g. Bayesian approaches), where the discipline of statistics has had an enormous impact on the economics, changing rather than merely complementing it.
Further improvements are of course possible, even necessary, and I would be very grateful for suggestions. Anyone wishing to make suggestions of this sort can send them to me at either
See R. Horton, editor of The Lancet, in a series of tweets beginning 'Economics, second only to "management", may just be the biggest fraud ever perpetrated on the world.' Twitter Dec 31, 2012. (https://twitter.com/richardhorton1/status/285694937792647168, accessed July 2, 2013).


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McLaren Group has announced today that it is to become a 50 percent joint venture partner in Team Bahrain Merida, the UCI WorldTour team with a long-term vision to participate at the top level of the sport. The partnership will be in three key areas: technical collaboration, human high performance and marketing and commercial services, delivered through McLaren Applied Technologies and the group's marketing specialism.
McLaren Applied Technologies has been involved in cycling projects previously. In recent years teams at McLaren Applied Technology collaborated with Californian bicycle manufacturer Specialized, on the design and creation of the Specialized S-Works+ McLaren Venge racing bike.
Ahead of the 2012 London Olympic Games the company collaborated with Team GB's cycling, rowing, sailing and canoeing teams on performance management systems designed by McLaren Applied Technologies.
John Allert, Chief Marketing Officer, McLaren, said: "Racing, technology and human performance are at the heart of everything we do at McLaren. Cycling is something we have been involved with in the past and have been looking at entering for some time. It is a completely natural fit for our skills and our ambitions and a perfect partnership with Team Bahrain Merida who have the right vision and approach for the future. We will be working tirelessly in the months ahead as we know the world of professional cycling is home to some of the best athletes and competitive teams in the world of sport."
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Brent Copeland, General Manager, Bahrain Merida Pro Cycling Team, said: "McLaren has been raising the bar for technological innovation and sport performance for decades. The combination of our passion and vision for Team Bahrain Merida to be a winning team, with McLaren's expertise and dedication, is the perfect partnership."
Duncan Bradley, Health and Human Performance Director, McLaren Applied Technologies, said: "To be the best in sport you need the right vision, athletes, team and technology and I believe we have all of those with the partnership we have entered with Team Bahrain Merida. We will be working side-by-side to ensure an integrated approach and that we get the best out every part of the team."


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RBC Economics is forecasting a 2.5 percent drop in Canadian GDP for the year, including a decline in second-quarter that will likely dwarf any other drop since at least the 1960s.
"Unemployment rate will rise to 10 percent as soon as April"
In a report, it said the unemployment rate will rise alongside the rate currently probably already 10 percent, peaking north of 11 percent on a monthly basis, perhaps reaching that level as soon as April.
"Social distancing, which all experts assure is a necessary action to save lives and prevent the spread of COVID-19, represents an unprecedented economic shock for all countries. Many of the service-sector industries that typically act as an 'economic buffer' in a recession will be dramatically impacted by social distancing," said the report.
"The drop in service sector activity and the oil price shock, combined with ripples from slower global demand and supply-chain disruptions that will hit the industrial sector, means we are headed for a period of unprecedented softness in economic activity. Some of that lost activity will bounce back relatively quickly when schools and other businesses reopen. And the more that can be done from a policy perspective to bridge-the-gap and get workers and businesses through the coming months, the quicker the growth bounce-back could be. But the reality is that with the duration of the virus' impact unknown and ongoing fear of a recurrence of the outbreak, a return to 'normal' is unlikely to occur quickly."
"Social distancing efforts are shutting down wide swaths of the service-sector"
The report said social distancing efforts are shutting down wide swaths of the service-sector. By RBC's count, the sharp fall in activity in just five industries, education, retail trade, accommodation & food services, and arts & entertainment alone could produce a drop in GDP that rivals the record economy-wide plunge recorded in 2009 of 8.7 percent.
"Falling global demand disrupted supply chains, and lower global oil prices will see goods-producing sectors slump as well. Absent a dramatic and unexpected easing in the spread of the virus, the Canadian economy is headed for a double-digit decline in GDP in the second quarter of this year. We are now pencilling in an 18 percent drop in Q2 GDP. This could underestimate the decline if the number of new virus cases does not begin to ease relatively quickly."
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Photo provided
Sgt. Alvin York remains one of the great heroes in American military history.
TICONDEROGA | The story of World War I hero Alvin York reads like one of those entertaining but highly improbable movie scenes where a single good guy battling amidst a hail of bullets kills a multitude of bad guys.
A hard drinking, hard gambling hillbilly from East Tennessee who had changed his ways after finding the Lord, York was swinging a pick on a road gang when war broke out in Europe. Drafted in 1917, he initially balked because he took the Bible at its word when it said not to kill. Although he remained a disciple of peace his entire life, his church convinced him that military service and service to God were not mutually exclusive. The would-be pacifist went on to become perhaps America's greatest hero of the war.
His story had been told by Hollywood in the movie "Sergeant York," which won an Academy Award for Gary Cooper and has since been named by the American Film Institute as among the 100 most inspirational movie of all time.
On Friday July 12, the Ticonderoga Historical Society will host a screening of "Sergeant York" at the Hancock House. The twist is that York's descendants will be there, too, to talk about his life and raise awareness and support for York Center for Peace and Valor, a multi-use facility in support of higher education, arts and cultural development, and veterans' recognition, outreach and support.
The center will be in a renovated school that York started in 1926, writing, "When I went out into that big outside world I realized how uneducated I was and what a terrible handicap it was. I was called to lead my people toward a sensible modern education."
The school eventually fell to the state Department of Education and was to be demolished until it was rescued by York's descendants, who wanted to use it to further his vision of peace, courage and humanitarianism. More information about this project can be found at sgtyork.org.
Historical Society President Bill Dolback said that a showing of the film had been planned, when, thanks to a patron, the connection with York's descendants "kind of fell into our laps." He said the American Legion and VFW are being invited to meet with them, and the Hancock House will host a public reception prior to the showing of the movie. The reception will take place at the Hancock House at 6 p.m., with remarks by family members. Reservations are necessary for the reception, and a $5 donation is requested. The film showing is free and will follow at 7 p.m. Seating is limited and reservations for movie viewing will be accepted.
When York died in 1964, it was front page news in The New York Times. He won the Medal of Honor and a multitude of other awards for single-handedly killing or capturing an entire German machine gun battalion, fighting on even after his ammunition ran out. In the aftermath, he had killed 25 German soldiers and captured 132 more.
A throwback to the Davy Crockett days of the wiley frontier Tennessee sharpshooter, York visibly blushed when he words of praise were heaped upon him, including those of Marshal Ferdinand Foch, the commander of Allied forces in World War I, who called York's exploit in the Argonne Forest "the greatest thing accomplished by any private soldier of all the armies of Europe." General of the Armies John J. Pershing called him "the greatest civilian soldier of the war."
York and a detail of 16 other soldiers set out to disable a machine gun battalion, but heavy fire killed or wounded 10 of the men and sent six more scurrying for cover. But the Germans had never encountered a deadeye marksman from the Tennessee hills.
Eighteen shots left 18 soldiers dead.
"Every time one of them raised his head, I jes' teched him off," he was quoted as saying.
Astounded that one man was wreaking so much havoc, a handful of Germans decided to end it right there, and charged him with bayonets drawn. Out of ammunition for his rifle, York pulled his pistol and picked them off, too.
York shined a spotlight on the common soldier, attention that had previously been reserved in the public consciousness for great generals and officers.


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Mining Equipment Market. While the construction market continues its progress, a positive outlook for minings future is further out. Mining equipment sales are still falling, according to the VDMA Mining Assn., an affiliate of the German Engineering Federation (VDMA, Verband Deutscher Maschinen
Industry Insights. Manufacturers are incorporating solutions such as Computer Aided Earthmoving Systems (CAES), AccGrade, and Grade Control System to existing equipment to enhance their product offerings. Increasing trend of transitioning to digital mining is providing an impetus to industry growth.
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Mining news and commentary from around the globe. Daily updates on gold and commodity prices, exploration, mine development and mining company activities.
Canada Mining and Minerals Systems and Equipment. The extractive industries, which include mineral extraction and oil and gas extraction, contributed $120.4 billion (7.3 percent), to Canadas GDP in 2015, making it the nations fourth largest industry. As of 2016, Canada also held 53 percent of all mining projects for TSX trading companies.
Infrastructure is not only the largest but also the fastest growing segment of the construction equipment market by application. Equipment such as crawler excavator, wheeled loader, motor grader, crawler dozer, asphalt finisher, and road roller are used to develop bridges, roads, and tunnels.
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Underground Mining In for the long haul A 30 year partnership between one of Brazils best performing mines and Epiroc has made for a revolutionary solution in the raise boring process.
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Consequently, the mining sector of the industry is dominated by large, often multinational, companies, most of them publicly listed. It can be argued that what is referred to as the 'mining industry' is actually two sectors, one specializing in exploration for new resources and the other in mining those resources.
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The figure below illustrates the breakup of the profile of industry experts who participated in primary discussions. Construction Equipment Aftertreatment Devices Market, by country. DOC Mining, Minerals and Metals Mineral and Metal Mining. Industrial Gases.
Identify the key products in Australian mining equipment industry and their overall sales in units, 2009 2013. Gain insight into the historical and forecasted information of Australian mining commodities and prices, 2009 2018. To know the Australia mining equipment demand by application (coal mining, metal mining and mineral mining).
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Mining Sub Industries Click on an application/industry below to learn more about common hazards, safety equipment, and how to stay safe with the proper safety equipment & gear.
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Success in todays environment requires more than the industrys best mining equipment. It requires solutionsand partnershipsthat extend well beyond the iron. When you choose , that commitment to ongoing, above and beyond support comes standard. We work hand in hand with you to address big issues Controlling costs. Boosting production.
Mining & Minerals. The mining industry has made great strides in extracting deposits and removing desired material from waste. Mining equipment is now more efficient because it saves energy and reduces the number of harmful chemicals needed to extract desired material from its surroundings. Heavy duty, weather resistant equipment is still necessary
Industry Trends. Mining Equipment Market size was valued at over USD 69 billion in 2015 and is expected to rise with 4.7% CAGR from 2016 to 2024. China Mining Equipment Market size, by application, 2013 2024 (USD Billion) Growing exploration around the globe will drive global market size over the forecast timeline.
Summary. Peru is a global leader in the mining industry; its one of the worlds biggest producers of base and precious metals. Currently, it is the third largest producer of copper and zinc in the world.
Mining, Minerals, and Aggregates. Despite great strides in extracting deposits and removing desired material from waste, the mining industry still relies on heavy duty, weather resistant equipment to extract, transport, and process minerals, ores, and precious metals from soil, sand, and rock.
Mining Equipment Market Research Reports & Industry Analysis The mining industry is defined by activities generally described as extraction or the physical removal of solid ores, materials and substances from geological deposits.
Breaker Technology (BTI), the world leading manufacturer of rockbreaking technology, and Creighton Rock Drill , an industry leading Eastern Ontario distributor of aggregate and mining equipment, announce their distribution partnership for BTI mining equipment in Ontario. BTI's move to partner with Creighton Rock Drill
The Basics of Copper Mining and Processing. Using todays compact mining equipment, copper ore is extracted from the mine. After the ore is crushed, its roasted, which helps to convert sulfides to oxides. The oxides are smelted to produce matte, which then undergoes several refining processes.
CMEIG is Australia's peak industry association representing Construction & Mining equipment
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Top technology companies unveiled a new line of mobiles and other consumer electronics products this week in the International and Indian markets this week (August 11-17). Here are the top new gadgets you should know: Sony SRS-XB402M: Sony's new SRS-XB402M smart speaker is powered Amazon Alexa voice assistant. With this users can ask for information such as weather, check traffic before heading ... Read More »
Tag Archives: Sony
How Sony Sped Up A Factory With These Tiny, $35 Computers
Raspberry Pi's like this one have helped make Sony's manufacturing facility in Wales 30% more efficient, according to its general manager. IMAGE VIA SONY Open a box with a Raspberry Pi and it can seem like the rest of the computer is missing. Costing just $35, it's a stripped-down circuit board covered with metal pins and squares, just enough hardware to power games ... Read More »
Sony Expects Gaming Business Profit as Strong Yen Eats Into Image Sensors
Japan's Sony Corp said on Friday it expects operating profit to fall 8.8 percent in the financial year through March 2019 as a stronger yen eats into profit from the image sensor business. The electronics and entertainment firm forecast profit to fall to CNY 670 billion ($6.13 billion) from CNY 734.86 billion a year prior, when earnings exceeded the previous peak set in the ... Read More »
Sony Xperia XZ2 Premium With 4K HDR Display, Dual Rear Camera Setup Launched: Specifications, Features
Sony Xperia XZ2 Premium was launched on Monday, an upgrade to the Sony Xperia XZ2 that was unveiled at MWC 2018 earlier this year. The smartphone has several improvements over its predecessor, including a Motion Eye dual camera setup (one colour, one monochrome) with an ISO 12800 sensitivity for video recording, said to be the highest on a smartphone ever. It also has an ISO 51200 sensitivity ... Read More »
Sony Xperia XZ2, Xperia XZ2 Compact Pre-Orders Come With Free PlayStation 4 or PlayStation VR
Sony Mobile's flagship smartphones for 2018 – Xperia XZ2 and Xperia XZ2 Compact – were announcedat the company's keynote during Mobile World Congress 2018 in Barcelona. The company opened up pre-orders of the Xperia XZ2 and XZ2 Compact across Europe last week. Interestingly, as part of the pre-order promotions, Sony is giving away goodies along with its two new smartphones, including the PlayStation gaming console, PlayStation VR pack, ... Read More »
Sony Xperia XZ Premium gets an option to correct image distortion
Sony introduced a new camera for the Xperia XZ Premium and Xperia Xzs, which fixed the corner softness that was so characteristic of Sony cameras. And now the company has fixed the remaining issue of the wide-angle lens it uses – the distortion. Part of the Oreo update, the feature is hidden behind a toggle in the camera settings. If you've updated your XZ ... Read More »
Sony Xperia XA1 Plus launched in India
Sony has launched the Xperia XA1 Plus in India. The phone is priced at INR 24,990 ($384) and will be available starting tomorrow, September 22. The Xperia XA1 Plus is Sony's mid-range smartphone aimed at multimedia consumption. It has a large 5.5-inch 1080p display, which is larger than most Sony smartphones. It runs on a MediaTek Helio P20 processor with 4GB of ... Read More »
Sony outs launch details for its Xperia XZ Premium flagship and futuristic Touch projector
Since we last heard about the Xperia XZ Premium at Mobile World Congress, the Samsung Galaxy S8, the HTC U Ultra, and the LG G6 have all begun shipping. But over the past few months, Sony has been putting the finishing touches on its own flagship phone, as well as its touch-based projector (which will still can't believe is a ... Read More »
Minor update hitting Sony Xperia XA Ultra
Sony has started rolling out a new update to its Xperia XA Ultra smartphone. It's a minor update that arrives as build number 36.0.A.2.146 for the single-SIM variants and 36.0.B.2.146 for the dual-SIM variants. Sadly, the official change-log isn't currently accessible, so it's difficult to say exactly what changes the update brings along. As is usually the case with OTA ... Read More »
Latest Concept build for Sony Xperia X brings February security patch
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$89.00 $99.00
You save: $10.00 (10%)Size Guide
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|30-Day Money Back Guarantee
I love this!
I bought the original stand a few years back when I backed the kickstarter for this product. Recently it started to bend and they were kind enough to send me a replacement for the cost of shipping. While I think this one may last longer than the original due to the way it is constructed, I don't like the fact that it slides across the carpet in my office. I will need to figure out a way to stop that. Other than that it was easy to put together and seems sturdy so far. Hopefully this one lasts a lot longer than the original.
Well packaged, easy to assemble and works great! I purchased the HOVR and had the hooks installed on my desk; the hooks were too far away from my chair and when I used the HOVR, my chair kept pushing back away from the desk.By using the stand, it is more adjustable.
I had purchased the desk mount set previously but I had to switch desks and it was incompatible. I got the swing and I'm back in business. It's the perfect size and is sturdy!
I sit at a desk all day for work and the HOVR helps my arthritic knees.


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Assisted Living prototype showcased in Aveiro
The AAL4ALL (Ambient Assisted Living for all) project prototype was shown in the general project meeting which was held last week at the headquarters of PT Inovação e Sistemas in Aveiro.
PT Inovação e Sistemas participation on the project ensures the integration of the AAL ecosystem on MEO platform, including the development of OSGi bundles for managing sensor installation lifecycle on a MEO client RGW and repository on PT network, and also the development of the client's graphical user interface (PF application) via Mediaroom platform. The prototype's usability test phase will soon begin with real live users from a Portuguese nursing home.
The AAL4ALL is a 5 year project funded by QREN and led by Microsoft Portugal which gathers 34 Portuguese organizations, including public institutions, industry, user organizations and R&D institutions. The project's mission is the development of an innovative AAL technology ecosystem for improving health and safety monitoring conditions of elderly and/or people with physical or psychological limitations, whether living in their own homes or supporting institutions, also covering temporary mobility situations. Through the use of ICT, this ecosystem enables an early identification and resolution of health situations thus changing the relationship between this particular population group and health institutions also allowing a clear reduction of costs.


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#1 of 2
If you love to see your code released and you don't settle for anything less than continuous delivery, we want to speak with you.
Grindr is looking for a Senior Java Engineer with a focus on functional backend development to help our Platform team build the next generation of features for Grindr's rapidly growing community.
We are looking for someone with a deep understanding of cloud architecture (AWS) as well as someone who can help mentor jr. members of the team.
In addition, the ability to design robust systems that anticipate failures and prior experience in building durable systems is going to be a key to success here.
This is a pretty fast/agile environment and super collaborative. We also have a great work/life balance.
Please send your resume/linkedin to: email@example.com
#2 of 2
The Senior SDET Engineer is responsible for architecting new automated test strategies and frameworks in addition to creating, implementing, and automating testing in support of software test requirements. The Senior SDET Engineer works with QA Engineers and QA Analysts to develop, maintain, and enhance the test automation framework and automation infrastructure. Fluent in object-oriented programming with minimum 3 years of use of OO languages (C++, Java, C#) for development or QA purposes.
Relocation package available and best in class benefits.
If you are interested reach out.


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How do I diagnose DVT?
While management of patients with signs or symptoms of DVT may be shaped by local protocols and formularies, the NICE guidelines for venous thromboembolic diseases recommend an assessment of their general medical history and a physical examination to exclude other causes.1 For those in whom DVT is suspected, the following diagnostic pathway should be followed. As recommended in NICE Quality Standard [QS29], all diagnostic investigations should be completed within 24 hours of first clinical suspicion.2
Diagnosing venous thromboembolism in primary, secondary and tertiary care1
An interactive version of the full NICE pathway for diagnosing VTE – including PE – is available here.1
Two-level DVT Wells score
The two-level DVT Wells score is a clinical prediction rule for estimating the probability of DVT and an important step in the diagnostic pathway. Patients who score 2 points or more are likely to have DVT and those with 1 point or less are unlikely.3,4 Click on the table to enlarge.
Clinical Model for Predicting the Pretest Probability of Deep-Vein Thrombosis4
It is important that patients with suspected DVT are treated promptly to avoid adverse effects. NICE therefore recommends that patients should be offered interim anticoagulation therapy if diagnostic investigations are expected to take longer than 4 hours from the time of first clinical suspicion.2
In Managing VTE: Managing VTE | The signs and symptoms of VTE | Managing DVT | What information and support can I give to my patients?
Click here to view ELIQUIS prescribing and adverse event reporting information.
DVT = Deep Vein Thrombosis NICE = National Institute for Health and Care Excellence VTE = Venous Thromboembolism
- NICE. Diagnosing venous thromboembolism in primary, secondary and tertiary care (NICE Pathways). 2018. Last accessed August 2019. Available at: https://pathways.nice.org.uk/pathways/venous-thromboembolism/diagnosing-venous-thromboembolism-in-primary-secondary-and-tertiary-care. Accessed August 2019.
- NICE. Quality Standard [QS29]. Venous thromboembolism in adults: diagnosis and management. Available at: https://www.nice.org.uk/guidance/qs29/chapter/List-of-quality-statements. Accessed August 2019.
- NICE. Venous thromboembolic diseases: diagnosis, management and thrombophilia testing (CG144). November 2015. Accessed August 2019.
- NICE clinical guideline 144. June 2012. Accessed August 2019. Available at: https://www.nice.org.uk/guidance/cg144/resources/twolevel-wells-score-templates-for-deep-vein-thrombosis-and-pulmonary-embolism-msword-186721165. Accessed August 2019.
Job code: 432UK1900506-01
Date of preparation: September 2019


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Director : Daniela Féjerman
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Cast : : , Marta Etura as Nerea , Pilar Castro as Sonia , Luis Callejo as Zulu , Toni Acosta as Ana , Antonio Garrido as Luismi , Asier Etxeandia as Vicente , Juan Manuel Cifuentes as Juanma (as Juanma Cifuentes) , Cristina Alcázar as Anfitriona Café , Aitor Mazo as Maestro Orquesta , Pedro Casablanc as José Ramón , Jorge de Juan as Fernando , Tatiana Astengo as Clarís , Sonia Lázaro as Oriana , Daniel Carrillo as Julián , Estrella Alonso as Paula
Run Time : Argentina:102 min (Pantalla Pinamar Festival)
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Company : Castafiore Films
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Valley Of Flowers with Badrinath Stay
Package Type: Trekking with Badrinath
Trek Level: Easy to Moderate
Group size: Private Tour
Day 01: Haridwar – Govindghat (305Kms / 9-10Hrs)
Firstly, you will have to assemble at the Haridwar. From there you will be driving to Govindghat which is 305 km away from Haridwar. So it will take around 9-10 hours to reach there. After arriving Govindghat check-in into hotel as you will staying there for the rest of the night.
Day 02 : Govindghat – Ghangaria
Get up early the next morning, after having breakfast After arriving at the point where you have start the trek. There you will do a 13 km trek to reach Ghangaria. Upon arrival at Ghangaria set a campsite and rest for the night there.
Day 03 : Ghangaria – Valley Of Flowers – Ghangaria
Get up early and after having a wholesome a breakfast leave the campsite to proceed your journey. This day you will be trekking to your destination Valley of Flowers. It is going to be a 12 km long trekking distance to reach there. Upon the arrival you can explore the valley to the fullest. One can also go deeper into the valley to explore more. After enjoying the surrounding of valley start trekking back to Ghangaria. After arriving at Ghangaria set up a campsite for night stay.
Day 04 : Ghangaria – Valley Of Flowers / Hemkund Sahib – Ghangaria
This Day. Travelers has option for 02 Treks. One is for Valley of flowers and second is the Trek to Hemkund Sahib. Which is approx 5 Kms from Ghangaria. Overnight stay in Ghangaria.
Day 05 : Ghangaria – Govindghat - Badrinath
Next day after having breakfast start trekking back to Govindghat. As already told, you will be trekking for 13 km. After arriving at Govindghat take some rest and eat something. Later we will drive to Badrinath. Check In Hotel. Overnight stay in Badrinath.
Badrinath one of the 'Four Dhams' is one of the most celebrated pilgrimage spots of the country and is situated at an elevation of 3,133 meters, guarded on either side by the two mountain ranges known as Nar & Narayan with the towering Neelkanth Peak providing a splendid backdrop. This revered spot was once carpeted with wild berries. Thus the place got the name "Badri van", meaning "forest of berries".
Tapt Kund : Natural thermal springs on the bank of the river Alaknanda, where it is customary to bathe before entering the Badrinath temple.
Narad Kund : A recess in the river, near Tapt Kund, forming a pool from where the Badrinath idol was recovered.
Brahama Kapal : A flat platform on the bank of river Alaknanda. Hindus perform proppitiating rites for their deceased ancestors.
Sheshnetra : 1.5kms. away is a boulder having an impression of the legendary serpent, better known as the Sheshnag's eye.
Charanpaduka : 3kms. away is a beautiful meadow where the footprint of Lord Vishnu is seen on a boulder. Mata Murty Temple : Devoted to the mother of Sri Badrinathji. Other important temples include Sesh Netra Temple, Urvashi Temple and Charanpaduka. Mana Village : Inhabited by an Indo-Mongolian tribe, it is the last Indian village before Tibet.
Vasudhara : As the name suggests, vasundhara is a magnificent water fall. This place is 5 kms. from Badrinath out of which 2 kms. is motorable upto Mana. Bhim Pul : On the other side of Mana village, a massive rock forming a natural bridge, lies over the roaring Saraswati river. It presents a spectacular view of water thundering down through the narrow passage under the rock and is believed to have been placed there by Bhim, the second eldest among the five Pandava brothers. Vyas Gufa (cave) : Near Mana Village, this is a rock-cave where Ved Vyas is believed to have composed the Mahabharata and the pauranic commentaries. Pilgrims after having a bath in the Taptkund have the Darshan of Badrivishal. Those interested to do Pind Daan at Brahamakapal to their ancestors (Pitrus) is worth to do at this Pavan Puri of Vishnu. Those interested to do a small trek to Charan Paduka can do at their own, later after breakfast we will take you to last village of India, Mana to visit Vyas Gufa, Ganesh Gufa and Bhim Pul. This is the way used by mighty Pandava's to Satopanth from where Yudhistra went to Heaven also called Swararohini. Time to checked out from your hotel for Joshimath/Pipalkoti . Visit Shankaracharya math at Joshimath or can go to Auli (at your own) using cable car for view of mighty Nanda Devi peak, Trishuli, Panchshulli and Nanda Ghunti.
Day 06 : Badrinath – Rudraprayag (165 Kms – 6 Hrs) / Kirtinagar (190 Kms – 7 Hrs)
After Breakfast, Visit Mana Village, Check Out From Hotel. Later Drive to Rudraprayag / Kirtinagar. Check In Hotel. Overnight stay.
Day 07: Rudraprayag / Kirtinagar – Devprayag – Rishikesh - Haridwar (160kms/6hr)
To sum up start drive to Haridwar. enroute visit Nandprayag, Karanprayag Devprayag & Rishikesh.
Rishikesh, the 'place of sages' is a celebrated spiritual town on the bank of Ganga and is surrounded by Shivalik range of the Himalayas on three sides. It is said that when Raibhya Rishi did hard penances, God appeared by the name of "Hrishikesh " and this area hence firth came to be known as Rishikesh.
Drop at Haridwar
Inclusions & Hotels
Inclusions :
Accommodation Using Double or Triple Sharing Basis.
Daily Breakfast & Dinner.
04 Packed Lunch.
Guide Cum Tour Escort.
Transfers & Sightseeing Using Non A/C Vehicle Inclusive of all road taxes toll parking driver allowance.
Budget Hotels
Govindghat : Hotel Nanda
Ghangaria : Maa Laxmi
Badrinath : Maa Urvashi
Rudraprayag : Hotel Tulsi
Deluxe Hotels
Govindghat : Hotel Badrish
Ghangaria : Maa Laxmi
Badrinath : Charan Paduka
Rudraprayag : Tulip Inn
Luxury Hotels
Govindghat : Hotel Badrish (S.Dlx)
Ghangaria : Swiss Camps
Badrinath : Snow Crest
Rudraprayag : Monal Resort


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An Angelwing Begonia is a flowering houseplant that grows best in USDA zones 10a to 11. It produces dark green to burgundy foliage and pink blooms and attracts birds, bees and butterflies. An Angelwing Begonia can be started either from seed or from a cutting taken from an existing plant. The plant will grow one to two feet tall and generally blooms all year long. It is a low maintenance plant and grows well in containers.
Take cuttings from plants during early spring.


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Circuit + PCB design for USB Car Power Supply 5.15V 4 AMPS
Bajet $30-250 USD
Circuit Design + Board Design
Basic Description
Car USB Power Supply
Input 10-20 V
Output 5.15 V 4 Amps
Special features :
The USB needs to be able to output 5.15 V @ 4 Amps for 15 seconds
after the input Power has been switched off (maybe via capacitor ?)
There needs to be 1 GPIO pin that is 3.3V as long as input Power is connected
If input Power is disconnected this pin needs to be switched to Ground
The PCB Dimension should be as small as possible and have a USB connector on one side of the PCB and 2 screw terminals for Power and Ground input on the other side of the PCB
The design files as well as the Gerber/Drill/BOM files need to be made available after the Project is finalized
Dianugerahkan kepada:
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Transit Hub
Transit locations are hubs of activity with heavy pedestrian traffic. Commuters have a variety of needs from bike storage, to a quick cup of coffee, dinner-to-go, or a bathroom break.
We can provide spaces for vendors and public services using our easy to install and modular, movable container bathroom and retail spaces that will enhance any transit hub.


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National Forests Act, 1998
Constitution of the Republic of South Africa, 1996 (Act No. 108 of 1996)
Constitutional Court Rules, 2003
Part VI : Applications
12. Urgent applications
|In urgent applications, the Chief Justice may dispense with the forms and service provided for in these rules and may give directions for the matter to be dealt with at such time and in such manner and in accordance with such procedure, which shall as far as is practicable be in accordance with these rules, as may be appropriate.
|An application in terms of subrule (1) shall on notice of motion be accompanied by an affidavit setting forth explicitly the circumstances that justify a departure from the ordinary procedures.
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Dragon's Code: Anne McCaffrey's Dragonriders of Pern Gigi McCaffrey
Publisher: Random House Publishing Group
Results 1 - 24 of 183 Buy anne mccaffrey Books at Indigo.ca. A new hero emerges in a divided world as one of sci-fi's most beloved series—Anne McCaffrey's Dragonriders of Pern—relaunches with this original adventure from Anne's daughter, Gigi McCaffrey. PRAISE FOR ANNE MCCAFFREY AND TODD MCCAFFREY to your Kindle or other device. Enter a promotion code or Gift Card. One of the incredible Dragon Riders Of Pern series by Anne McCaffrey. "Anne McCaffrey, one of the queens of science fiction, knows Kindle or other device. Dragonflight is a science fiction novel by the American-Irish author AnneMcCaffrey. Dragon's Code: Anne McCaffrey's Dragonriders of Pern (Pern: The Dragonridersof Pern) [Kindle edition] by Gigi McCaffrey. The People of Pern [Anne McCaffrey, Robin Wood] on Amazon.com. Dragonflight byAnne McCaffrey was unfortunately plain unenjoyable. Companion to World of Dragons and Dragonrider Series by Anne McCaffrey. Anne McCaffrey: A Life with Dragons is the biography of a writer who vividly depicted alien creatures and new worlds. Rest in Peace Anne McCaffreyyou gave us all a world of dragons and harpers to love .. Dragonrider features the growth of Lessa's queen dragon, Ramoth, and their training together. Dragons are a fictional species created by Anne McCaffrey as an integral part of the science fiction world depicted in her Dragonriders of Pern novels. But everything changes when she meets a queen dragon. Dragon's Code : Anne McCaffrey's Dragonriders of Pern. Encuentra Dragon's Code: Anne McCaffrey's Dragonriders of Pern de Gigi McCaffrey (ISBN: 9781101964743) en Amazon. The Dragons of Pern are a fictional race created by Anne McCaffrey as an integral part of the science fiction world depicted in her Dragonriders of Pern novels. Enter a promotion code or Gift Card .. Dragon's Code is an upcoming new book written by Anne McCaffrey's daughter, Gigi McCaffrey, that is set in the world of Dragonriders of Pern. Enter a promotion code or Gift Card · Share Facebook Twitter Sky Dragons:Dragonriders of Pern by [McCaffrey, Anne, McCaffrey, Todd J. In order to request an item you must first login. Shop amongst 216 Dragon's Code:Anne Mccaffrey's Dragonriders Of Pern. Amazon.com: Dragonwriter: A Tribute to Anne McCaffrey and Pern Dragon's Time: Dragonriders of Pern by Anne McCaffrey Mass Market Paperback $7.99. Dragon'sCode: Anne McCaffrey's Dragonriders of Pern (Pern: The Dragonriders of Pern). Envíos gratis a partir de 19€. Booktopia has Dragon's Code, Anne McCaffrey's Dragonriders of Pern by Gigi McCaffrey. Buy The Dragonriders of Pern Bound for Schools & Libraries ed. NEW YORK TIMES BESTSELLER Scores of dragons are dead after plague swept across the world of Pern, and now the Weyrs are Sky Dragons by AnneMcCaffrey and Todd J. The McCaffreys' second fire- breathing Enter a promotion code or Gift Card · Share Facebook Twitter Pinterest


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How Soon Should You Treat a Chipped Tooth?
Enamel is a very hard substance, harder even than bone. Because of that, your teeth can withstand the enormous forces you exert while you chew your food. However, one of enamel's main weaknesses is its brittleness. Like glass then, enamel can crack or chip. Unfortunately, because your teeth contain nerves, even an innocuous-looking chip can cause severe dental problems.
However, that doesn't mean that all chips are equal. But it does mean that you should treat a chipped tooth eventually.
Minor Chips Aren't a Pressing Concern
Did you know that the average thickness of your tooth enamel is around 2.58 mm? That doesn't leave much room for you to work with when it comes to chipped teeth. However, if your chip is only minor, then you can leave it for a few weeks before you get it repaired — as long as you practice good oral hygiene and stay away from acidic or hard foods that might make the chip worse.
But what counts as minor damage? The following list should give you a good idea of what a minor chip looks like.
- A chipped corner of a tooth is minor.
- A chip that leaves a small indentation in the biting surface is minor.
- A barely noticeable chip is minor.
Chips of the above variety won't put the nerves in your teeth at risk. Because of that, you can put off treatment for a few weeks if necessary. However, be aware that a chipped tooth is more likely to fracture than an intact tooth. So, keep this in mind when eating.
Major Chips Can Become Serious Issues
What is a major chip? If a substantial portion of your tooth is missing, consider your chipped tooth an urgent matter. In the centre of each tooth lies a bundle of nerves and blood vessels called the dental pulp. This little bundle may be small, but it is responsible for keeping your teeth nourished and hydrated. It is also responsible for transmitting sensation to your brain.
Because the pulp allows you to feel temperatures and chewing pressure while you eat, you can easily judge what and how to eat or drink. Without the pulp, you can still use a tooth. However, you won't have any feeling in it. This increases the risk of fractures and damage since the tooth can no longer feel sensation.
If a major chip allows bacteria to enter your tooth, that bundle of nerves and blood vessels will die and rot inside your tooth. Not only will you get a painful tooth infection then, but you could also lose the tooth.
If you have chipped your tooth, get it repaired as soon as you can. Remember, even a small chip could turn into a large and damaging chip.
For more information, contact a dentist.


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Home » Educational Reform
Category Archives: Educational Reform
The Writer Who Couldn't Answer Standardized Test Questions About Her Own Work
This article hits me hard on two levels. One is OVERTESTING! What are we doing when we contrive in standardized tests to create "gotcha" questions that the author of a work can not even answer? The other is a reader's understanding of a piece. To comment on a work of literature is to bring your own background knowledge to the work. It should affect each reader in a different way. This is not to say that we cannot discuss the possible intended meaning by the author, but to claim authoritatively from a reading what another person thinks is hubris. My view of standardized tests is that you are right, KayCKay; just listen for the cha-ching echoing in the hallowed halls of learning.
Yesterday I posted a review of one of Edgar Allan Poe's short stories called The Cask of Amontillado. At the end of my review I commented that the story has been analyzed to death regarding the "meaning" of the story and what the story may signify or represent. My final comment was to wonder what Poe would say if we were able to ask him directly. My thought is that he would say it was just a story!
Today I saw an article about a poet that couldn't answer standardized test questions about her own poems!
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The Class: A Life-Changing Teacher, His World-Changing Kids, and the Most Inventive Classroom in America
The Class: A Life-Changing Teacher, His World-Changing Kids, and the Most Inventive Classroom in America
by Heather Won Tesoriero
Heather Won Tesoriero spent a year in Andy Bramante's science research classroom. Andy, a former analytic chemist, left the corporate world to become a teacher, to make a difference. He and his students are award-winning, and The Class gives an in-depth look, not at what he does in his classroom as a model for cookie cutter programs across the nation, but at the teacher Andy and how he cares about his students and helps them be independent, creative thinkers in science and in their personal lives.
Andy's students have to apply to be in his class which is centered around independent research and participation in multiple science fairs. Success in the science fairs can result in prize monies and affect college admissions. Along the way, the students learn advanced science (often in multiple fields), self-discipline, how to use professional scientific instrumentation, research methodology, and presentation skills.
The students in The Class live in tony and highly competitive Greenwich, Connecticut. Most would be considered nerds and most, but certainly not all, are from upper-class families. Many are children of immigrants and those parents are highly motivated to see their children succeed. Many of these very intelligent teenagers are also talented in other areas such as athletics and music. They will all go to good colleges.
The Class is formatted according to the school year with chapters about various students and Andy as they move through the seasons. We read of the students' personal struggles as teenagers as well as their attempts to find a topic for research and bring their project to fruition. It doesn't take long to become engaged in their struggles and begin to root for a good outcome.
This book has widespread appeal partly because the author seems to be invested in the subjects of her writing and makes them come to life. I learned a lot about the current world of college admissions. I must admit that the science involved in many of the projects was beyond the scope of my science background, but was explained well. I recommend The Class and wish Andy and his students well in their future endeavors.
I would like to extend my thanks to netgalley.com and to Random House (Ballantine) for giving me the opportunity to read this book in exchange for an honest review.
Rating: 5/5
Category: Nonfiction (Adult), Science
Notes: 1. Some casual swearing throughout the book by both teacher and students.
2. The author made several snide slurs about the current presidency. Those remarks seem unnecessary and politically motivated. They are supposed to reflect conversations she heard, but they certainly seemed couched in her language, especially a disparaging comment about the First Lady. A writer selects what to share from the many words and events that pass before her. I think in this case she should have asked herself two questions as she put pen to paper: Is it necessary to tell my story? Is it kind?
Publication: September 4, 2018—Random House (Ballantine)
Memorable Lines:
Andy would have it no other way. To him, the whole reason he got into the teaching business was to work side by side with kids, to develop the relationships and let the science unfurl in all of its glorious unpredictability.
"All day, we're telling the kids, do this, read this, use this—and if you don't, you fail. They need a space where it's okay to fail." —Nancy Shwartz, Cos Cob school librarian and creator of Maker Space, a place at her school where creativity is prized
"We've moved from education, teaching people how to think, to training, teaching people how to bark on time. And highly structured curriculum and even scripted curriculum in some places—the teacher reads the lesson. Those are not places where someone is being educated. It can't be… Which is more valuable to the person and to the society? I can memorize something and give it back to you in an orderly fashion, even in a comprehensively well-expressed fashion. Or I can think. To me, it's not even a call." —Thomas Forget, Ph.D., professor and Andy's mentor
How can New Mexico help its students?
Education in New Mexico has gone from bad to worse. Teachers and, more importantly, students are suffering from bad decisions made at the state level by the Governor and her Secretary of Education, a non educator, cheered on by administrators at the school district level who fear retaliation if they stand up to the system. Teachers, in turn, fear from certain retribution (i.e. loss of job through inexplicably bad evaluations or being blackballed), if they hold their ground. The sweet children just do what they are told and suffer through overtesting and curriculum taught in a lockstep, one size fits all manner, while administrators claim that the "data driven instruction" will help students achieve higher levels. No, but it certainly wipes out individual initiative, creativity, and a love of learning. Oh, but the students do become better test takers!
Senator Tom Udall asked for my support for early childhood education on Facebook. Below is my response:
Overtesting…and the beat goes on!
What are our children learning from the current obsession with testing?
Source: Mike Keefe, The Denver Post, 2002
Betsy DeVos for Secretary of Education?
I have tried to stay away from anything that smacks of politics on social media during this election cycle. There is just so much negativity I can let into my life. I followed the issues. I voted. Now we are presented with an appointment that might unite the left and the right because parents, teachers, students, and many others are concerned about the state of education–the overtesting, Common Core State Standards, evaluations based on testing, and ridiculous administrative mandates.
I have done some research on Betsy DeVos and there is much I could say. Today I just want to focus on two things. First, her words. In a video I watched she made two very telling statements about initiatives she supports:
"[they] will empower educational entrepreneurs."
"entrepreneurial spirit will prevail even in the industry of education."
I find it troubling that she wants to empower an entrepreneurial spirit to prevail in education. Big business is trying to take over education for their own profit and to dumb down the 99% so we are not educated enough to stand up for our constitutional rights. We need to get big business out of education. The accumulating of wealth and warming a seat in the classroom do not qualify one to make educational decisions.
Even more troubling is the use of "industry" and "education" in the same sentence. Our schools should not be industries; we should not make a profit off of them or produce worker bees for the powerful in our society. We are nurturing growing minds and bodies, and we should be creating opportunities for independent thinking–not that of the right or the left, independent. The goal of our efforts should be citizens with a moral and ethical compass who can find satisfying ways of supporting themselves and their families.
Second, her actions. These "education advocates" like DeVos are big money, big business people, and you can be sure that they have their own bottom line in sight with every decision. DeVos says she does not support Common Core. Just take a look at Jeb Bush's pet project that she has been involved in for so many years as a board member and "education advocate": ExcelinEd common core "toolkit."
I retired after 34 years of teaching in the midst of this kind of nonsense, and I saw and experienced first hand the devastating effects it has on learning, creativity, and morale of students and teachers. Why would we continue down this same path, sacrificing our children, to line the pockets of the 1%?
The Top 12 Global Teacher Blogger Discussion: September 2016
Why should the arts still be important in education?
How can we maximize the value of art and music in education and how can it be blended with more traditional subjects (math, science, history, etc.)?
I teach at a community college, and a professor there created an art therapy club for professors, adjunct, and staff. Nine people attended the first session where they colored with pens and painted with watercolors. Future sessions will consist of making jewelry, drawing, and using mixed media—all as therapy to help adults relieve a stressful week. This is brilliant; however, our primary and secondary children are going to school during a time when the arts are slowly being eliminated from their curriculum. I find this dichotomy painfully ridiculous.
Instead of answering the question this month, I'm going to ask a few of my own:
If schools embraced this idea of art therapy, would we have as many children and teens suffering from stress and…
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I want to install gcc 7.5 and found the following steps on several websites:
sudo apt-get install -y software-properties-common
sudo add-apt-repository ppa:ubuntu-toolchain-r/test
sudo apt update
sudo apt install g++-7 -y
But when I run:
sudo add-apt-repository ppa:ubuntu-toolchain-r/test
Errors are reported:
gpg: keyring /tmp/tmpir2cfkik/secring.gpg' created
gpg: keyring /tmp/tmpir2cfkik/pubring.gpg' created
gpg: requesting key BA9EF27F from hkp server keyserver.ubuntu.com
Error: retrieving gpg key timed out.
gpg: keyserver timed out
gpg: keyserver receive failed: keyserver error
I found someone had the same problem and suggested that it would be useful to run the same command multiple times, but it doesn't work for me.
Does anyone know how to fix this problem?


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The ones that spawn at static locations range from 63-66ish have never dropped anything for me but common vendor loot.
However the lower level one always seem to be 59-61ish spawn randomly anywhere (seen on 4th isle the most) drops the Harpy Slave Vambraces. Has all 6 times I have killed him in the last 3 days.


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- Legendary linebacker goes to the gridiron in the sky (8/4/19)
- Doubleday shone on the field of war, not the diamond (7/28/19)
- All-Star game is only the beginning, only just a start (7/19/19)
- IHSAA adopts mercy rule for football teams that need it (7/10/19)
- The columnist takes a look back at track, Jack (6/21/19)
- Neill may become Cardinals� next coach (6/2/19)
- Lady Miners will miss their three seniors (5/31/19)
What does the future hold for the Lady Cards?
Bloomfield will graduate five players from the team that won three straight sectional titles and gave North Central all it wanted last Saturday night in a 44-39 loss in the Bloomfield Sectional championship.
Malea Toon, who has scored about 1,388 points in her career, Nicole Kilzer, Kayla Pinnick, Katie Small, and Julie Hudson will all leave after this spring.
"I'm really proud of them and what they've done for the program," said coach Ron Knepp.
He added he isn't too discouraged by the losses.
Knepp noted the team will return sophomores Kylee Shelton and Ilana Horning and freshman Gracie Lowry. Shelton's a two-year starter and Lowry really improved her game in the last third of the season, scoring 10 points and pulling down nine rebounds against North Central. Horning also gave Bloomfield valuable minutes in the sectional. Sophomores Thaida Uland and Violeta Crespo saw some varsity action this past season. Knepp said Bloomfield fielded the best JV team he's seen in his four years as coach of the Lady Cards.
"You've got a good nucleus coming back," he said. "We'll just reshuffle and put some kids in and keep going forward."
Visiting the Alma Mater
Doing the feature on Ethan Helton for the Feb. 1 paper was a blast. Although I've taken classes at Bloomington, my degree came from Indiana University Southeast. It was a hoot to go back to the ol' Alma Mater.
Not only did I get to see the campus, it was a pleasure just to sit back and watch a basketball game, especially when it was a pretty good contest. East won 89-74 thanks to 20 points from Nate Niehoff, 18 from Bishop Smith, and 14 from Aaron Thomas.
East coach Mark Hester said the Red Wolves are a championship-caliber team. Last year, they reached the NAIA semifinals only to fall 75-72 to 31-7 Indiana Wesleyan, the eventual NAIA champion. Considering their record is 20-7, 12-2 in the River States Conference, I'd say they have a good chance to go far this year. Hester urged county basketball fans to make the trip to Richmond and howl for the Red Wolves.
"Come watch the kids play," Hester said. "We'd like to have more guys from Eastern-Greene come and watch the Red Wolves."
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Summary: 2019 NCHFA first-time home buyer programs. NC Home Advantage Mortgage for up to 5% down payment assistance. Self-Help Loan Pool for a mortgage with a 0% interest rate.
Government Home Loan Programs For Bad Credit Can You buy atx house With An Fha Loan Another advantage of an FHA loan it is an assumable mortgage which means if you want to sell your home, the buyer can "assume" the loan you have. People who have low or bad credit, have undergone a bankruptcy or have been foreclosed upon may be able to still qualify for an FHA loan.GovLoans.gov | Find the Right Loan for You – What is GovLoans.gov? Your gateway to government loan information Informs citizens of loans they may be eligible for Provides information on loan terms and how to apply Learn facts about government assistance: loans vs. Grants
Conventional 3% First-Time Buyer Loan (Option 2) The Conventional 97 Loan first time buyer program is a newer option. While it's been nationally marketed as the first time home buyer loan', its more specific name is HomeReady (Fannie Mae) or HomePossible (Freddie Mac).
FHA First Time Home Buyer. Low-Interest Loans, Credit Assistance, and Expert Advice. Purchasing a home is one of life's major landmarks and for some, it is even a dream come true. Here at FHA Government Loans we understand the magnitude of this decision and it is our goal to make your transition into home ownership unforgettable.
· First time georgia home loan programs are for home buyers seeking a home as primary residence. First time georgia loan applicants with not much money for a down payment will find that the FHA government insured or VA guaranteed Georgia home loans are easier and less expensive for many first time Georgia home buyers.
FHA first-time homebuyer loans offer a low down payment, reduced interest, limited fees and the possibility of deferring payments. These types of loans are offered at a federal level by the Federal Housing Administration and by most states. The FHA defines a first-time homebuyer as a person who has not owned a home for three years.
Here's a quick guide to understanding the two types of loans and the best scenarios for each. FHA Loans Insured by the.
Fha Definition Of Family Member With FHA loans, your down payment can come from savings, a financial gift from a family member or a grant for down-payment assistance. All these factors make FHA loans popular with first-time.
· The loan is insured by the Federal Housing Administration. Because of that insurance, the credit and income requirements for an FHA loan are more lenient. First-time home buyer grants and Programs for 2019 – See also: How to Buy a HUD Home (And When You Should) Other Homebuyer Grants and Programs. To find first-time home buyer grants and programs in your local area, visit HUD's.
Fha Bad Credit Mortgage Loans Who Insures Fha Loans Fha Mortgage Interest Rates Today Colorado home buying: 6 reasons to refinance your mortgage – So if you have an FHA loan, the only way to eliminate mortgage insurance is to refinance into a non-FHA-insured loan. Credit scores directly impact mortgage interest rates. Just 100 points. or give.What the government shutdown means for your mortgage – In January 2018, the FHA insured mortgages for 64,401 single-family homebuyers – of those, 82 percent were first-time buyers. The VA doesn't report loan guarantees by month, but it guaranteed 148,379.FHA mortgages offer a low down payment and flexibility in approval requirements . Find out how you can qualify for an FHA loan, apply and.
Our opinions are our own. Buying a house is a huge financial decision. If you've never done it before, it's easy to feel like you're in over your head. Loan programs for first-time home buyers can.