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Like its counterpart, Freddie Mac, the agency also provides special benefits for green properties. 2021 Sample Fannie Mae Apartment Loan Terms While Fannie Mae offers more than 20 apartment loan programs, we've provided some sample terms below to give you a better idea of what to expect. Loan Size: $1 million to $100 million+ Loan Terms: 5, 7, 10 and 12-year terms (up to 30-years for Small Loans) Amortization: 30 years Leverage: Up to 80% max. LTV DSCR: Minimum 1. 25x Recourse: Non-recourse with standard "bad boy" carve-outs Rate Lock: 30 to 90-day rate locks are generally available. Sometimes an early rate-lock is allowed, permitting a rate lock of up to 45 to 180 days. Prepayment Penalty: Options include both yield maintenance and step-downs. All prepayment penalties are waived if the loan is paid during the final 90 days of its term. Advantages: Low interest rates. Leverage up to 80%. Non-recourse. Early rate-lock options are available. Disadvantages: Fannie Mae is selective when it comes to the quality of prospective properties.

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95 per state return. TaxAct Business desktop (Windows operating systems only): $109. Pros: If you've filed business taxes before and feel confident navigating tax jargon, TaxAct is a cost-effective and straightforward option. Unlike industry heavyweight TurboTax, you can file your business tax return online with TaxAct. And there's no upcharge if you prefer the downloadable desktop version (though it's only available to Windows users). Cons: In 2020, S-Corp owner and Insider contributor Eric Rosenberg reported running into an issue with his California tax ID number on TaxAct, which resulted in him having to print out and mail his state return rather than filing online. File your small business taxes with TaxAct » Who can use TurboTax: General partners, S-Corp owners, C-Corp owners, and LLC members with a Windows operating system. Cost: TurboTax Business desktop version: $159. 99 for federal return; additional $49. 99 per state return. Pros: One of the big draws of TurboTax is QuickBooks integration.

— Travers Mackel (@TraversWDSU) October 10, 2019 "We felt that, you know, anytime there's an organization that is anti-LGBTQ and has efforts to infringe upon their rights, we thought it was important to make sure that we were supporting and standing up for our community at that time, " Corbett said. In a statement to Fox News, a Chick-fil-A spokesperson said the restaurant's top priority is making everyone feel welcome. "We are a restaurant company focused on food and hospitality and have no political or social agenda. Our priority is on providing a welcoming and respectful environment for our guests and Team Members, " the statement concluded. On September 20, Breitbart News reported the fast-food outlet had doubled its sales despite protests against the restaurant in cities across the country. "Now, Chick-fil-A is the third-largest fast-food chain after only Starbucks and McDonalds. There are only 2, 400 Chick-fil-A restaurants compared to more than 14, 000 Starbucks locations, " the report said, adding that "In a 2018 survey, Americans teenagers ranked the chicken-based franchise as their favorite fast-food chain, stealing the top spot from Starbucks. "

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The skills, interests and background needed to be successful in these fields should be considered before you pursue one of these paths. What is data analytics? A data analyst is tasked with collecting, processing and analyzing how available data can be used to discover important insights that can help businesses improve efficiency or solve problems. Data analysts spend their time working with data in various ways, throughout the data pipeline. The role of data analytics involves mining data, cleaning data, applying statistical techniques, designing programs and databases to manage data and fixing bugs. In the data analytics process, data analysts need to be able to work with different departments such as IT and management to determine goals and then report results in a clear and meaningful way. To become a data analyst a strong background in math, statistics, and computer science is helpful. A minimum of a bachelor's degree in a STEM field with a strong set of software skills including programming in R, Python, and/or SAS and relational database management are typically required for almost all data analyst positions.

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The above mentioned points fall under the basic nursing care, and the list doesn't stop here. Being an 'assistant' they also need to help the higher medical staffs or nurse in charge in medical procedures. Thus, CNAs are also required to undertake following medical duties: Helping patients rehabilitate; Measuring Vital signs and reporting them periodically; Collecting examples for examination; Helping patients to take food and medication; Preparing patients for further medical treatments. Apart from the regular duties mentioned above CNAs, being close to patients, also require to provide social and emotional support to them. By social and emotional support I mean all the support and motivation that can help them to regain their lost confidence on healing. For this, nursing assistants require to be courteous and supportive with their communication, behavior and attitude. A healthcare facility can have variety of patients ranging from children to bedridden elderly people. In such cases, nursing assistants should be very concerned to behave accordingly.

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Can People With AUD Recover? Many people with AUD do recover, but setbacks are common among people in treatment. Seeking professional help early can prevent relapse to drinking. Behavioral therapies can help people develop skills to avoid and overcome triggers, such as stress, that might lead to drinking. Medications also can help deter drinking during times when individuals may be at greater risk of relapse (e. g., divorce, death of a family member). Need Help? If you are concerned about your alcohol use and would like to explore whether you might have AUD, please visit the Rethinking Drinking website. To learn more about alcohol treatment options and search for quality care near you, please visit the NIAAA Alcohol Treatment Navigator. For more information about alcohol and your health, please visit: * The National Institute on Alcohol Abuse and Alcoholism (NIAAA) defines binge drinking as a pattern of drinking alcohol that brings blood alcohol concentration (BAC) to 0. 08 percent—or 0.

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The special-purpose design shows most obviously in a set of buttons for what Brother calls labeling applications. Each one is basically a predefined template that you can adjust as needed. The Cable Wrap application, for example, prints the text across the width of the tape so you can wrap the tape around a cable, with one end of the tape overlapping the other, and read the text along the direction of the length of the cable. You can specify the text, the diameter of the cable, and whether to print the text only once or repeatedly, which lets you read it from any angle, 360 degrees around the cable. An alternative for cables is the Cable Flag application, which lets you print the text so you can wrap the center portion of the tape around the cable, then paste the tape together to stick out like a little flag, with the text on the flag. Still other application types include three for labeling different types of flat panels—Faceplate, Patch Panel, and Punch Block—plus General, for everything else.

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BEST FOR Slip-and-fall accidents Damaged patient property Damaged business property Workers' compensation insurance This insurance policy is required in almost every state for medical offices that have employees. It can cover medical costs for work-related injuries. BEST FOR Employee medical expenses Partial missed wages Lawsuits over employee injuries Professional liability insurance This policy, also known as malpractice insurance for medical professionals, covers legal expenses if a patient files a lawsuit over a billing error or unsatisfactory treatment. BEST FOR Malpractice lawsuits Mistakes or oversights Complications from a treatment Commercial auto insurance This type of insurance is usually required for business-owned vehicles. It covers the costs of accidents involving a vehicle owned by a medical office. BEST FOR Physical damage and collision coverage Liability coverage in an accident Repairs due to vandalism or weather Cyber liability insurance Also called data breach insurance, this policy helps medical offices survive cyberattacks and data breaches.

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