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USDA PMI Rates 2015 North Carolina, USDA Home Loans NC #fast #loan


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USDA PMI Rates 2015

The USDA doesn t really make mortgage loans, they simply insure the bank against you possibly going into foreclosure.  The USDA Home Loan requirements are really a function of what loans USDA will insure.  All mortgages where there s not at least a 20% down payment have some sort of Default Insurance.  The type of insurance that keeps Banks solvent if you find yourself unable to make your mortgage payments.  This Mortgage Insurance is normally referred to as PMI so we call the USDA Home Loan version of Mortgage Insurance USDA PMI.

USDA Home Loan NC Basic Requirements

USDA Home Loan NC eligibility requirements really come down to a handful of items:

    • The home you buy must be within the USDA Home Loan Eligibility area . The USDA Eligibility Maps for North Carolina are expected to stay in place until the Summer of 2015.  After that time, there are communities that may no longer qualify for the USDA program in NC.
  • You must be under the USDA Home Loan Income Limit for the County you wish to purchase a home in.  The Income limits vary by household size, and there are exceptions that can be made to help you qualify so if you ve been told you re just over the limit call us.  So many loan officers don t really know how the exemptions work.
  • You need two credit scores over 640.  We might be able to get you approved if you have 2 scores over 620 it will just depend on all of the other factors that play into your qualification picture.  If you have assets left over after closing, or if you are not going to have payment shock.  If you have MULTIPLE layers of risk, the NEW USDA Loan approval model is looking for a credit score of 680!
  • Any Foreclosure, Deed In Lieu, or Short Sales need to be at least 36 months behind you.
  • Student Loans . even those in deferment will be counted against you.
  • The Maximum total debt ratio guideline is 42% .  We ve seen files REJECTED that had 660 credit scores and a 44% debt to income ratio.  Ratios and Credit scores need to be IN-LINE for USDA Home Loan approvals right now.
  • USDA Home Loans are for Owner Occupied Properties. not Commercial Farms, 30 year fixed rate mortgages.

USDA Home Loans NC are one of the most desired mortgages available because they are cheap to get into they require no down payment.  They have very low closing costs, and USDA Loans allow the Seller to pay closing costs. Many times, folks in North Carolina can get into a home with a USDA Home Loan and less than $750.  If you have enough cash reserves to make a down payment and qualify for a conventional loan A USDA Home Loan might not be the right program for you .

USDA PMI Rates 2015

The USDA PMI Rates 2015 are also pretty cheap, when compared to FHA loans.  There s an upfront, initial premium charged of 2%.  This USDA PMI premium is generally added to the Loan amount.  So, if the home that you want to purchase is $250,000, we would multiply that by 2% (which equals $5000) and your loan amount would then be $255,000.  This will not change your monthly payments very much and if you don t want to go into your home with negative equity you can get a gift to cover the charge.  You could also use the NCHFA 3% Grant funds to cover the cost, assuming you qualify for the program.

In addition to the upfront USDA PMI fees, there s an annual charge as well.  The Annual USDA PMI Rates 2015 are charged at a rate of .5%.  This means that on our example sales price of $250,000 with a loan amount of $255,000 we would multiply that by .5% to get an annual rate of $1275.  This amount is divided by 12 and would be added to your homeowners insurance, taxes, principal and interest and paid back $106.25 a month.

USDA PMI does not age off the loan.  Meaning you will not get a portion of the upfront fee refunded if you move 14 months later.  If you live in the property for 17 years, and you ve built up tons of equity in the home, USDA PMI will still be charged each year.

Here s the good part about that the annual USDA PMI Rate will be charged on the Balance at the beginning of that new year.  So each year, as you pay your mortgage balance down, the amount of USDA PMI charged will be charged on that lower balance, and will be less from year to year (I m hoping this makes sense if not call me and I ll run an amortization for you to see).

USDA Home Loans are part of the Federal Budget process, and as such the maximum income limits and USDA PMI Rates are subject to change every October.  It s normally announced in September if there will be a USDA PMI Rate change.  This year it went from an annual rate of .4 to .5 so it s not a huge difference!

USDA Home Loans NC First Time Home Buyers

If you have not owned a home in the last 36 months you might qualify for the North Carolina Housing Finance Agency (NCHFA) First Time Home Buyer Program.  The program is designed for folks with good credit, they require at least a 640, and they also have income limits which vary per county.

There are three parts to the NC First Time Home Buyer Program first, you might qualify for a mortgage tax credit.  The Tax Credit (called MCC ) can add up to an additional $2000 a year to your income, allowing you to qualify for a slightly bigger home.  The NCHFA Program also offers 3% in a Down Payment / Closing Cost Assistance Grant that is forgivable, and carries no interest.  These benefits can be used in combination with the USDA Home Loan Program in North Carolina.

Additionally, the program offers below market Mortgage PMI rates for Conventional Loans, for those who qualify!

If you want to learn more about No Money Down Home Loans in NC. please call Steve and Eleanor Thorne 919 649 5058, we know what works in North Carolina, and we help people here buy their dream homes every single month!  We offer Today’s Lowest Mortgage Rates !


Professional Headshots for the Raleigh NC metro area #attorneys #raleigh #nc


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Headshots Raleigh

STAND OUT from the crowd with a professional headshot

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5 Reasons to choose Headshots Raleigh

We spend 60 minutes with you. guaranteeing we get a great shot. Most people do not realize, it takes 30-40 minutes on average for someone to get comfortable on camera.

We shoot tethered. This means you can see the photos as they are shot, in real time, on a 27″ Mac screen vs the tiny screen on the back of the camera. This way you can be 100% confident that you have a great headshot before you leave.

We make you look amazing by going beyond a “basic retouch”. We use our advanced retouching skills on your photograph. We spend up to an hour on retouching your photo to get that high-end professional look that can make a magazine cover.

Great lighting is the key to great photography. Our studio is optimized with lighting in mind. We have over sized light modifiers that create the softest light. making your skin look it s best.

Posing is a very real skill. Not a model? Not a problem. We have coached numerous models on proper posing. Don’t know where your hands go? Which way to look or turn? Don’t worry about it. We will help you through every step.

Save $20 on your Headshot

Doctors, Attorneys, Executives . we fit your style.

See your photos during the shoot .

Cinematic Styled Headshots

Headshots for Actors

Childrens Headshots for Talent Agencies, etc

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The popular corporate white background is actually technically difficult to do correctly.

Check the sides of the face in the photo. If you can see the the light bouncing off the sides of the face from the bright white background, that is a sign of poor lighting by your photographer. The lighting should look natural on the face, without the bright light artificially lighting each side of the face.

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Raves


Brian Center Health And Rehab Federal No: 345332 near 2501 Downing Street Sw, Wilson NC #brian #center #health #and #rehab,nursing #home #provider,medicare #nursing #home #provider,medicaid #nursing #home #provider,2501 #downing #street #sw,wilson,nc,locations,address,phone #number, #medicare #nursing #home #compare #data, #medicaid #nursing #home #compare #data


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Brian Center Health And Rehab

Brian Center Health And Rehab was recognized and ceritified in 1990 by Centers for Medicare & Medicaid Services as one of model nursing home providers promoting health and improving quality of life. Brian Center Health And Rehab which is located in 2501 Downing Street Sw Wilson, is scientifically measured and assessed by Centers for Medicare & Medicaid Services and is shown to provide good nursing home services or products under the Medicare program. Brian Center Health And Rehab is being offered ceritified services and products in North Carolina.

Address: 2501 Downing Street Sw
Wilson, NC 27895

County: Wilson
Federal Provider Number: 345332

Provider Resides in Hospital: No
Number of Federally Certified Beds: 99
Number of Residents in Federally Certified Beds: 95 (96% occupied)
Continuing Care Retirement Community: No
Special Focus Facility: No
With a Resident and Family Council: Resident
Automatic Sprinkler Systems in All Required Areas: Yes

View recent deficiency information

Survey Date: Thursday, November 14, 2013
Survey Type: Fire Safety
Deficiency: K0011 (A two-hour-resistant firewall separation.)
Scope Severity Code: D
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Monday, November 25, 2013
The inspection cycle of deficiency: 1 (the deficiency was found on a standard inspection)

Survey Date: Thursday, November 14, 2013
Survey Type: Fire Safety
Deficiency: K0144 (Weekly inspections and monthly testing of generators.)
Scope Severity Code: F
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Monday, November 25, 2013
The inspection cycle of deficiency: 1 (the deficiency was found on a standard inspection)

Survey Date: Thursday, November 14, 2013
Survey Type: Fire Safety
Deficiency: K0029 (Special areas constructed so that walls can resist fire for one hour or an approved fire extinguishi)
Scope Severity Code: D
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Monday, November 25, 2013
The inspection cycle of deficiency: 1 (the deficiency was found on a standard inspection)

Survey Date: Wednesday, November 14, 2012
Survey Type: Fire Safety
Deficiency: K0027 (Smoke barrier doors that can resist smoke for at least 20 minutes.)
Scope Severity Code: D
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Wednesday, December 5, 2012
The inspection cycle of deficiency: 2 (the deficiency was found on a standard inspection)

Survey Date: Wednesday, November 14, 2012
Survey Type: Fire Safety
Deficiency: K0029 (Special areas constructed so that walls can resist fire for one hour or an approved fire extinguishi)
Scope Severity Code: D
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Wednesday, December 5, 2012
The inspection cycle of deficiency: 2 (the deficiency was found on a standard inspection)

Survey Date: Wednesday, November 14, 2012
Survey Type: Health
Deficiency: F0309 (Provide necessary care and services to maintain or improve the highest well being of each resident .)
Scope Severity Code: D
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Friday, December 7, 2012
The inspection cycle of deficiency: 2 (the deficiency was found on a complaint inspection)

Survey Date: Thursday, August 23, 2012
Survey Type: Health
Deficiency: F0315 (Ensure that each resident who enters the nursing home without a catheter is not given a catheter, un)
Scope Severity Code: D
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Thursday, September 20, 2012
The inspection cycle of deficiency: 2 (the deficiency was found on a standard inspection)

Survey Date: Thursday, August 23, 2012
Survey Type: Health
Deficiency: F0254 (Provide clean bed and bath linens that are in good condition.)
Scope Severity Code: E
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Thursday, September 20, 2012
The inspection cycle of deficiency: 2 (the deficiency was found on a standard inspection)

Survey Date: Thursday, August 23, 2012
Survey Type: Health
Deficiency: F0456 (Keep all essential equipment working safely.)
Scope Severity Code: E
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Thursday, September 20, 2012
The inspection cycle of deficiency: 2 (the deficiency was found on a standard inspection)

Survey Date: Thursday, August 23, 2012
Survey Type: Health
Deficiency: F0441 (Have a program that investigates, controls and keeps infection from spreading.)
Scope Severity Code: D
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Thursday, September 20, 2012
The inspection cycle of deficiency: 2 (the deficiency was found on a standard inspection)

Survey Date: Thursday, August 23, 2012
Survey Type: Health
Deficiency: F0371 (Store, cook, and serve food in a safe and clean way.)
Scope Severity Code: E
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Thursday, September 20, 2012
The inspection cycle of deficiency: 2 (the deficiency was found on a standard inspection)

Survey Date: Wednesday, August 10, 2011
Survey Type: Fire Safety
Deficiency: K0061 (Properly working alarms on sprinkler valves.)
Scope Severity Code: D
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Saturday, September 24, 2011
The inspection cycle of deficiency: 3 (the deficiency was found on a standard inspection)

Survey Date: Wednesday, August 10, 2011
Survey Type: Fire Safety
Deficiency: K0029 (Special areas constructed so that walls can resist fire for one hour or an approved fire extinguishi)
Scope Severity Code: D
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Saturday, September 24, 2011
The inspection cycle of deficiency: 3 (the deficiency was found on a standard inspection)

Survey Date: Thursday, July 14, 2011
Survey Type: Health
Deficiency: F0428 (At least once a month, have a licensed pharmacist review each resident’s medication (s) and report a)
Scope Severity Code: D
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Tuesday, August 16, 2011
The inspection cycle of deficiency: 3 (the deficiency was found on a standard inspection)

Survey Date: Thursday, July 14, 2011
Survey Type: Health
Deficiency: F0281 (Ensure services provided by the nursing facility meet professional standards of quality.)
Scope Severity Code: D
Deficiency Corrected: Deficient, Provider Has Date Of Correction
Date the deficiency was corrected: Tuesday, August 16, 2011
The inspection cycle of deficiency: 3 (the deficiency was found on a standard inspection)

Number of Facility Reported Incidents: 0
Number of Substantiated Complaints: 5
Number of Fines: 0
Number of Payment Denials: 0
Total Number of Penalties: 0
Total Amount of Fines in Dollars: USD 0

This data allows consumers to compare information about nursing homes. Information here is not an endorsement or advertisement for any nursing home and should be considered carefully. Use it with other information you gather about nursing homes facilities. Talk to your doctor or other health care provider about this.

This data was updated by using data source from Centers for Medicare and Medicaid Services (CMS) which is publicized on Wednesday, October 1, 2014. If you found out that something incorrect and want to change it, please follow this Update Data guide.

The Five Star Quality Rating System is not a substitute for visiting the nursing home. This system can give you important information, help you compare nursing homes by topics you consider most important, and help you think of questions to ask when you visit the nursing home. Use the Five-Star ratings together with other sources of information.


Home & Auto Insurance – Charlotte NC, homeowners insurance Huntersville NC.#Homeowners #insurance #Huntersville #NC


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Homeowners Insurance and Auto Insurance in Charlotte and Gastonia, NC

Relationships are established on a foundation of integrity and trust. They’re not built overnight; instead, they’re architected on a long-term basis. At Lowry Insurance, our agents take time to properly identify risks and design an insurance portfolio to fit client requirements. Since opening shop in 1994, we’ve focused on building quality relationships with clients in Charlotte and surrounding North Carolina communities.

Our agents work one-on-one with clients, pinpointing individual insurance needs. This personalized approach is especially advantageous for North Carolina businesses that invest in our commercial insurance program. From contractors and manufacturers to land lords and non-profit organizers, we can tailor policies for companies representing a variety of industries.

We also offer a comprehensive personal insurance program, complete with homeowners insurance and auto insurance offerings. These essential policies can be bundled to open clients to discounted rates and streamline protection

A reliable insurance product backs every policy we produce. As an independent insurance agency, we boast partnerships with a collection of the most reputable insurance providers, including Travelers, Cincinnati Insurance Company, Selective, and EMC Insurance Companies.

To learn more about the insurance coverages we promote, please contact our agency at your convenience.

Local Agents Solidifying Protection for Their Charlotte Neighbors

Our agency’s owners – Bill Lowry, Doug Lowry, and John Lowry – were all born and raised in Charlotte, North Carolina. This personal tie to the Charlotte community provides us an advantage when proactively planning coverage. We drive down the same streets and reside in the same North Carolina neighborhoods as our clients, which offers an invaluable risk-management prospective.

At Lowry Insurance, we’re prideful of our reputation of administering quality client service. This service lasts long after the policy purchasing process, with agents remaining in constant communication to keep coverage accurate and cost effective.

If you’re interested in working on a policy and accessing our personalized services, feel free to request a quote.


Charlotte NC Garage Door – Repair, Installation, Opener, Broken Spring #charlotte #nc #garage #door #repair, #charlotte #garage #door #repair #| #garage #door #opener #repair #in #charlotte #nc #| #charlotte #nc #garage #door #installation #| #garage #opener #repairs #in #charlotte #nc


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Openers

There are a variety of reasons why people decide to have garage door openers installed. Mainly people want the ease of being able to enter the garage without having to get out of the car and manually opening it. This is great for parents who are carrying kids around or for people trying to carry things such as groceries into their home. No more. We want to help make your life even easier.

With a handy garage door opener, you don t have to manually open and close your garage door. Many come with a remote control so you never have to get out of your car. Imagine if it is snowing or raining outside and having to get out to manually open the garage door. Never again! If you are interested in having a garage door opener installed, call us today.

We can show you improvements and progressions when it comes to garage door opener technology. Did you know that the garage door opener can be accessed online? This functionality can be very helpful when you re expecting guests to visit your home, but you are running late from the office and won t be home in time to open up the garage door for them. If you choose to have our service team install this function in your garage door opener, then you can allow your guests entry, even when you are not home. We always stay up to date on the latest and greatest technology. If it has to do with garage doors, we are experts! We are the area s favorite garage door repair and installation service. Want a garage door opener installed? Call us.

Here at the Charlotte Garage Doors we truly value our customers. We value their safety and want to make their lives easier. Our team can even install extra options to improve your level of safety. For example, our team members can install a system with automatic lights so that when the garage door opens, the surrounding area becomes lit up, helping you to see better and scaring intruders away. The Charlotte Garage Doors team can also install a system with motion sensors so if movement is detected, lights will flicker on. As you can see, your safety and security are our top priorities. We will not only make sure that your garage door opener is functioning properly, but we will make sure that you are familiar with all of the latest and greatest upgrades that are out there.

Our parts come with warranties. Our experts come with the proper training and are insured to do their job. Our prices are unbeatable. When you need a garage door repair service, look no further. If you need assistance with your garage door or garage door opener, reach out to Charlotte Garage Doors. You won t be disappointed.


Colleges near Winston Salem, North Carolina NC #colleges #near #winston #salem #nc,colleges #near #winston #salem #north #carolina,schools #near #winston #salem #nc,schools #in #winston #salem #nc,universities #in #winston #salem #nc,university #in #winston #salem #nc,universities #near #winston #salem #nc,university #near #winston #salem #nc,colleges #in #winston #salem #nc,colleges #in #winston #salem #north #carolina,winston #salem #nc,winston #salem #north #carolina


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Colleges near Winston Salem, North Carolina NC

There are 18 colleges near Winston Salem, North Carolina NC .

Appalachian State College

Appalachian State is a large public college. Located in a rural town, it is an ideal institution to learn Business, Management, Marketing, and Related Support Services, Education, Psychology, Visual and Performing Arts and Social Sciences up to the Doctorate degree. Appalachian State College is located approximately 78 miles from Winston Salem.

Campbell College

Campbell is a medium-sized private nonprofit college. It is a Baptist school. Located in a rural town, it is a good institution to learn Business, Management, Marketing, and Related Support Services, Education, Science Technologies/Technicians, Health Professions and Related Clinical Sciences and Social Sciences up to the Doctorate degree. Campbell College is located approximately 98 miles from Winston Salem.

Davidson College

Davidson is a small private nonprofit college. It is a 6% Race Unknown school. Located in a regional town, it is a fantastic institute to learn Social Sciences, English Language and Literature/Letters, Psychology, History and Biological and Biomedical Sciences up to the Bachelor’s degree. Davidson College is located approximately 51 miles from Winston Salem.

Duke College

Duke was founded in 1924 and is a large private nonprofit college. It is a United Methodist school. Located within 15 miles of a major urban area, it is an ideal institute to study Social Sciences, Engineering, Biological and Biomedical Sciences, Psychology and Health Professions and Related Clinical Sciences up to the Doctorate degree. Duke College is located approximately 76 miles from Winston Salem.

Elon College

Elon is a medium-sized private nonprofit college. Located within 15 miles of a regional city, it is a very good school to learn Business, Management, Marketing, and Related Support Services, Communication, Journalism, and Related Programs, Social Sciences, Parks, Recreation, Leisure, and Fitness Studies and Visual and Performing Arts up to the Doctorate degree. Elon College is located approximately 42 miles from Winston Salem.

Gardner-Webb College

Gardner-Webb is a medium-sized private nonprofit college. It is a Southern Baptist school. Located in a rural town, it is a very good school to study Business, Management, Marketing, and Related Support Services, Psychology, Health Professions and Related Clinical Sciences, Education and Parks, Recreation, Leisure, and Fitness Studies up to the Doctorate degree. Gardner-Webb College is located approximately 97 miles from Winston Salem.

High Point College

High Point. founded in 1924, is a medium-sized private nonprofit college. It is a United Methodist school. Located in a regional city, it is a very good place to master Business, Management, Marketing, and Related Support Services, Communication, Journalism, and Related Programs, Parks, Recreation, Leisure, and Fitness Studies, Education and Visual and Performing Arts up to the Master’s degree. High Point College is located approximately 17 miles from Winston Salem.

Liberty College

Liberty is a large private nonprofit college. It is a Baptist school. Located in a regional city, it is a great academy to learn Business, Management, Marketing, and Related Support Services, Philosophy and Religious Studies, Psychology, Multi/Interdisciplinary Studies and Education up to the Doctorate degree. Liberty College is located approximately 109 miles from Winston Salem.

North Carolina A T College

North Carolina A ?>

Online Banking Access #nc #online #banking


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Where Do I Enter My Password?

As part of our enhanced security program, you are required to validate your identity by delivering a Secure Access Code to a telephone number stored within First Bancorp’s Online Banking system. You will then be given the opportunity to register the computer for future use.*

Enter your User ID and click Login. On the following pages you’ll be asked to enter your Password and validate your identity. To validate your identity and be given the opportunity to register your computer, you will need to receive and enter a Secure Access code.

  • Choose the delivery method for your Secure Access Code – you can choose to receive a phone call or text message – and click Continue
  • You should receive your Secure Access Code within a minute.
  • Secure Access Codes are good for 30 minutes at a time and for one time use only.
  • Secure Access Codes should not be confused with a password.
  • If you do not recognize your phone numbers, please call Customer Service at 866-792-4357.

Finally, you can choose to register and activate your browser for later use or give one-time access on the computer you are using.

  • Activate this computer for later use. (Should be used on a personal computer you intend to use on a regular basis.)
  • Give me one-time access only, do not activate this computer. (Should be used when accessing a computer in a public location such as a library or a computer you don’t intend to use regularly.)

*From time to time, even though a computer has been previously registered, it may become necessary to register the computer again.

Online Banking Access

Enter your username to access your First Bank accounts online. You will put in your password on the next screen, after clicking Log In below.

System Maintenance

We’re excited to welcome Carolina Bank clients to First Bank on Monday, Aug. 7. As we complete the transition and update our systems this weekend, please note that our online, mobile, and telephone banking services will be temporarily unavailable from 1 pm on Saturday (Aug. 5) to 9 pm on Sunday (Aug. 6). Our apologies for any inconvenience this may cause.

Don’t have an online banking account? Sign up now.

Related Information

how to get a personal loan in sanford nc Wondering how to get a personal loan in Sanford, NC? First Bank can teach you everything you need to know about the application process.

best checking accounts wilmington nc Best Free Student Checking Accounts – Wilmington NC: Recap the various benefits of Wilmington, NC s checking accounts

high interest savings accounts jacksonville nc High Interest Savings Accounts – Jacksonville NC: First Bank in Jacksonville, North Carolina has high interest savings account options for everyone, and we offer competitive rates and flexible terms on all of them.

small business startup loans in sanford nc A small business startup loan from First Bank gets you open for business.

small business loan rates albemarle nc Are you considering applying for a small business loan? Visit First Bank in Albemarle, NC, today to consult with one of our loan officers about our affordable small business loan rates.

personal loan rates asheville nc Personal Loan Rates – Asheville, NC – First Bank: First Bank in Asheville, NC provides personal loans tailored to meet your needs. Our personal loan rates are some of the most competitive around.

Searching for the best checking account in North Carolina can be difficult if you aren t sure where to begin. Lucky for you, First Bank has multiple locations across the state of North Carolina that offer a variety of checking account options. To make your search easier, try asking yourself specific questions to determine what checking account features are important to you. Once you ve found a bank that offers checking accounts with those specific features, you can look at what each one will cost you, and find out if there are ways to keep them fee free.

If you are thinking about opening a small business in Albemarle, North Carolina. First Bank can provide you with a small business loan to get you started. Albemarle offers lower utility rates, real estate, construction costs, and living costs than other nearby areas. The city is also located less than an hour away from the busy metropolitan area of Charlotte, making it a great spot for economic development.

Simplify the process of learning how to get a personal loan in North Carolina by setting up a consultation with one of our experts at your local First Bank branch .


Influenza (Flu) #data #recovery #greensboro #nc


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NC DHHS Influenza (Flu) Information

About Influenza (Flu) Viruses

Influenza (the flu) is a contagious respiratory illness caused by influenza viruses. It can cause mild to severe illness, and at times can lead to death. Some people — such as older people, young children, and people with certain health conditions — are at high risk for serious flu complications. The best way to prevent the flu is by getting vaccinated each year.

Seasonal influenza vaccine must be changed each year as the viruses naturally change over time. To avoid catching the flu, get vaccinated each year and practice good hand hygiene. To avoid giving the flu to others, stay home when you are sick, cough or sneeze into tissues and discard them properly, and wash your hands frequently with soap and water or use an approved hand sanitizer if soap and water are not available.

During October through May, the N.C. Division of Public Health provides weekly updates on the spread of the influenza in North Carolina.

Flu symptoms include:

  • A 100 o F or higher fever or feeling feverish (not everyone with the flu has a fever)
  • A cough and/or sore throat
  • A runny or stuffy nose
  • Headaches and/or body aches
  • Chills
  • Fatigue
  • Nausea, vomiting, and/or diarrhea (most common in children)

Total Flu Deaths This Season (starting 10/2/16)

*Influenza-associated Deaths –This number is based on reports submitted by providers to the North Carolina Division of Public Health. An influenza-associated death is defined for surveillance purposes as a death (adult or pediatric) resulting from a clinically compatible illness that was confirmed to be influenza by an appropriate laboratory or rapid diagnostic test with no period of complete recovery between the illness and death. Deaths that occurred on or after 10/2/2016 will be reflected in this report for the 2016-2017 season.

FAQs

What are ways to prevent the flu?

  • Vaccination is still the best protection available
  • Wash your hands
  • Cover your mouth when you cough or sneeze
  • If you are sick, stay home from work and keep your kids home from school if they are sick so it does not spread
  • If you do become sick with the flu, there are antiviral medications you can speak about with your doctor
  • Can the flu be treated?

    Yes. There are prescription medications called “antiviral drugs” that can be used to treat influenza illness.

    Should I still get a flu vaccine?

    Yes. Antiviral drugs are a second line of defense to treat the flu if you get sick. A flu vaccine is still the first and best way to prevent influenza.

    What are antiviral drugs?

    Antiviral drugs are prescription medicines (pills, liquid, an inhaled powder, or an intravenous solution) that fight against the flu in your body. Antiviral drugs are not sold over-the-counter. You can only get them if you have a prescription from your doctor or health care provider. Antiviral drugs are different from antibiotics, which fight against bacterial infections.

    What are the benefits of antiviral drugs?

    When used for treatment, antiviral drugs can lessen symptoms and shorten the time you are sick by 1 or 2 days. They also can prevent serious flu complications, like pneumonia. For people with a high risk medical condition, treatment with an antiviral drug can mean the difference between having milder illness instead of very serious illness that could result in a hospital stay.

    What antiviral drugs are recommended this flu season?

    There are three FDA-approved influenza antiviral drugs recommended by CDC this season to treat influenza. The brand names for these are Tamiflu® (generic name oseltamivir), Relenza® (generic name zanamivir), and Rapivab® (generic name peramivir). Tamiflu® is available as a pill or liquid and Relenza® is a powder that is inhaled. (Relenza® is not for people with breathing problems like asthma or COPD, for example.) Rapivab® is administered intravenously by a health care provider.

    Can children take antiviral drugs?

    Yes. Children can take two of the approved antiviral drugs—oseltamivir and zanamivir. Oseltamivir (Tamiflu®) is recommended by the CDC and American Academy of Pediatrics (AAP) for the treatment of influenza in persons aged 2 weeks and older, and for the prevention of influenza in persons aged 3 months and older. Zanamivir (Relenza®) is recommended for the treatment of influenza in persons aged 7 years and older, and for the prevention of influenza in persons aged 5 years and older. Peramivir (Rapivab®) is recommended for use only in adults aged 18 and older.

    Can pregnant women take antiviral drugs?

    Yes. Oral oseltamivir is preferred for treatment of pregnant women because it has the most studies available to suggest that it is safe and beneficial.

    Who should take antiviral drugs?

    It’s very important that antiviral drugs are used early to treat hospitalized patients, people with severe flu illness, and people who are at higher risk for flu complications based on their age or underlying medical conditions. Other people also may be treated with antiviral drugs by their doctor this season. Most otherwise-healthy people who get the flu, however, do not need to be treated with antiviral drugs.

    CDC: What You Should Know About Flu Antiviral Drugs

    Flu Information

    What You Should Know About Flu Antiviral Drug

    Antiviral drugs are prescription medicines (pills, liquid or an inhaled powder) that fight against the flu in your body. Antiviral drugs are not sold over-the-counter. You can only get them if you have a prescription from your doctor or health care provider. Antiviral drugs are different from antibiotics, which fight against bacterial infections.

    “Take 3” Actions To Fight The Flu

    Flu is a serious contagious disease that can lead to hospitalization and even death. CDC urges you to take the following actions to protect yourself and others from influenza (the flu).

    Everyday Preventive Actions That Can Help Fight Germs, Like Flu

    CDC recommends a three-step approach to fighting influenza (flu). The first and most important step is to get a flu vaccination each year.

    No More Excuses: You Need a Flu Vaccine

    Influenza (flu) is a contagious disease which affects the lungs and can lead to serious illness, including pneumonia. Even healthy people can get sick enough to miss work or school for a significant amount of time or even be hospitalized. The flu vaccine is recommended for everyone 6 months of age and older.

    Seasonal Flu Toolkit for Businesses and Employers

    The purpose of this Toolkit is to help businesses and employers fight the flu and to offer tips and suggestions to consider when planning and responding to the seasonal flu.

    People at High Risk of Developing Flu–Related Complications

    Most people who get the flu will have mild illness, will not need medical care or antiviral drugs, and will recover in less than two weeks. Some people, however, are more likely to get flu complications that result in being hospitalized and occasionally result in death. Pneumonia, bronchitis, sinus infections and ear infections are examples of flu-related complications.

    Vacuna contra la influenza Lo que necesita saber

    Se recomienda vacunarse contra la influenza una vez al año. Algunos niños de entre 6 meses y 8 años de edad podrían necesitar dos dosis al año.

    La Influenza Usted

    La influenza es una grave enfermedad contagiosa que puede requerir de hospitalización e incluso provocar la muerte.

    What to do if you have the flu – Deaf health info signed in ASL by DeafDOC, Carolyn Stern MD

    Health Education for the Deaf and Hard of Hearing Community, Interpreters, and Healthcare Professionals.

    Flu Guidance for Deaf Parents (in ASL with English vocals and captions)

    Deaf Wellness Center, University of Rochester video about flu prevention and treatment.


  • University eye charlotte nc #university #eye #charlotte #nc


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    In the heart of it all! Welcome to Dr. Steven C. Moore and Associates in Founders Hall. For over 30 years, we have provided Uptown Charlotte professionals the best eye care and luxury eyewear in the Carolinas. Our vision is to give the personal attention and professional care that your eyes deserve in a comfortable and convenient setting.

    Our eye exams are thorough and efficient. Our optical is phenomenal. Our practice is locally owned and operated.

    We invite you to browse our website and make an appointment through an online request or call 704-377-EYES. Spanish available.

    We participate with the following Insurance providers:

    • Aetna
    • United Health Care
    • BCBS
    • Cigna
    • Community Eye Care
    • PHCS
    • Medicare
    • Vision Service Plan
    • Eye Med

    Patients

    We value your time. Before visiting our office, you can download and complete our patient forms.

    Thank you for choosing us, we look forward to seeing you!

    Our Forms:

    • You will need AdobeReader to download and complete the forms. Click here to download .
    • Download the required form(s). Print out the form(s) and complete the required information.
    • Fax or e-mail your printed and completed form(s) to our office or bring them with you to your appointment.

    For many people, vision is the most important of all senses. Good vision allows us to experience life, to be independent and enjoy a high standard of living. We all want to protect our sight and eye health for ourselves and our family – that is why regular eye exams are important.

    Our individualistic approach to optometry makes Dr. Steven Moore and Dr. Sara Beaver the eye and vision care providers of choice in the Charlotte area. We offer cutting edge technology for your eye health and vision needs. Optomap retinal imaging is available for our patients to capture pictures of the inside of your eye without eye drops. Our services include:

    Comprehensive eye exams

    • At Dr. Steven C. Moore and Associates, we strive to provide comprehensive, primary eye care with your needs in mind. Preventative eye exams are important to maintaining good eye health. Often, eye and vision problems do not have obvious symptoms or signs, but are easily diagnosed at a comprehensive eye exam. By diagnosing eye and vision conditions early on, we are able provide treatment options and in many cases, restore or prevent vision loss. The American Optometric Association recommends yearly eye health and vision exams.

    Contact lens exams

    • We provide a wide range of contact lens options to meet your visual demands. Dr. Moore and Dr. Beaver are skilled in fitting spherical, toric and multifocal soft daily disposables. We also specialize in specialty contact lenses including custom soft lenses, rigid gas permeable lenses and hybrid contact lenses. We only offer the best in contact lens technology to give you the vision you want while keeping your eye health and comfort our top priority.

    Treatment of Eye Diseases

    • Dr. Moore and Dr. Beaver are experienced in diagnosing, treating and managing many eye conditions and diseases. We have the latest technology to assist us in evaluating, treating and managing many conditions, including: Dry eye, red eye, eye allergies, cataracts, corneal disease, glaucoma, diabetic eye disease, hypertensive eye disease, age-related macular degeneration, and retinal disorders.

    Technology

      • Optomap Daytona
      • Daytona was engineered with patient comfort in mind. The ergonomic design encourages a comfortable posture and simple positioning of the eye to capture a 200° view of the retina in one panoramic image. This allows many patients to experience a complete retinal exam without dilating the eyes.

      • Icare tonometry
      • The newest way to check your eye pressure! No need for drops or an air puff.

      • Zeiss Cirrus OCT
      • The most updated scanning technology to detect early ocular disease before it may be apparent in a comprehensive eye exam. The OCT is used to diagnosis, assist in treatment and monitor many eye diseases.

      Optical


    Charlotte Chamber #charlotte #chamber #of #commerce #chamber #of #commerce #charlotte, #nc #charlotte


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    Charlotte Chamber Events

    Our purpose is clear. We are here to make the financial lives of those who do business with us better. Better by listening to our customers and clients, and connecting them to the financial solutions they need. And, better by connecting across our company to deliver those solutions. Over the past three years, we’ve strengthened our foundation and now have record level capital and liquidity. We’ve put behind us many of the issues that arose as a result of the economic downturn and were obscuring the promise and potential of our company. And, we’ve narrowed our focus to concentrate on the businesses and services that matter most to the three customer groups we serve – people, companies and institutional investors.
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    Belk, Inc. a private department store company based in Charlotte, N.C. is the home of Modern. Southern. Style. with 293 Belk stores located in 16 Southern states and a growing digital presence. Belk is a portfolio company of Sycamore Partners, a private equity firm based in New York. Belk and www.belk.com offer a wide assortment of national brands and private label fashion apparel, shoes and accessories for the entire family along with top name cosmetics, a wedding registry and a large selection of quality merchandise for the home.
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    Founded in 1993, CBI has grown into the premier interior solutions provider that offers workplace strategy and furniture solutions to a wide range of clients. David Longo and his business partner, Bob Flynn, opened the first CBI location in Charlotte, NC. Since then, the company has rapidly grown throughout the Southeast with 10 locations in North Carolina, South Carolina, Tennessee and Florida. We are the exclusive Knoll dealer in the southeast and partner with DIRTT Environmental Solutions to provide our clients with designer office and industry-specific furniture that meets their interior solutions needs.
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    Carolinas HealthCare System is one of the leading healthcare organizations in the Southeast and one of the most comprehensive, not-for-profit systems in the country. Our system includes more than 7,600 licensed beds, employs nearly 60,000 people and accounts for almost 12 million patient interactions each year.
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    We are one of the largest electric power holding companies in the United States, supplying and delivering electricity to approximately 7.4 million U.S. customers. We have approximately 52,700 megawatts of electric generating capacity in the Carolinas, the Midwest and Florida – and natural gas distribution services serving more than 1.5 million customers in Ohio, Kentucky, Tennessee and the Carolinas. Our commercial and international businesses own and operate diverse power generation assets in North America and Latin America, including a portfolio of renewable energy assets.
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    Founded in Chicago in 1924, Grant Thornton LLP (Grant Thornton) is the U.S. member firm of Grant Thornton International Ltd, one of the world’s leading organizations of independent audit, tax and advisory firms. Grant Thornton, which has revenues in excess of $1.6 billion and operates 59 offices, works with a broad range of dynamic publicly and privately held companies, government agencies, financial institutions, and civic and religious organizations.
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    Lowe�s Companies, Inc. (NYSE: LOW) is a FORTUNE� 50 home improvement company serving more than 17 million customers a week in the United States, Canada and Mexico. With fiscal year 2016 sales of $65.0 billion, Lowe�s and its related businesses operate or service more than 2,370 home improvement and hardware stores and employ over 290,000 people. Founded in 1946 and based in Mooresville, N.C. Lowe�s supports the communities it serves through programs that focus on K-12 public education and community improvement projects.
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    We are an integrated system of physician practices, hospitals, outpatient centers, and more – each element committed to delivering a remarkable healthcare experience for you and your family. With world-class technology, personal connections, and care that’s easier to access and understand, Novant Health is with you every step of the way on your journey to health and wellness.
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    On Oct. 3, 2016, Duke Energy acquired Piedmont Natural Gas, which operates as a business unit of the company. The transaction adds Piedmont’s 1 million natural gas customers to Duke Energy’s existing customer base of 525,000 natural gas customers and 7.4 million electric customers.
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    Premier Inc. (NASDAQ: PINC) is a healthcare improvement company uniting an alliance of approximately 3,750 U.S. hospitals and more than 130,000 other provider organizations. Our mission is simple: To improve the health of communities. As an industry leader, Premier has created one of the most comprehensive databases of actionable data, clinical best practices and efficiency improvement strategies.
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    At Sealed Air, our goal is to protect a growing world with sustainable solutions that improve food safety and security. Helping create a cleaner, healthier environment and safeguarding your business against damage and loss. We don’t just sell products. Instead, we are a knowledge-based provider backed by thousands of scientists, engineers, equipment, application and industry experts, and state-of-the-art laboratories dedicated to delivering tailored solutions for our customers.
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    We are financially strong with more than $300 million in sales annually, an additional $85 million in managed services and more than 20 years of consistent growth and profitability. We have depth and size. We are ranked 17th among the largest staffing firms in the US by Staffing Industry Report and have a database of more than 500,000 resources with industry specific knowledge across all IT disciplines.
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    UNC Charlotte is North Carolina’s urban research university. It leverages its location in the state’s largest city to offer internationally competitive programs of research and creative activity, exemplary undergraduate, graduate and professional programs, and a focused set of community engagement initiatives. UNC Charlotte maintains a particular commitment to addressing the cultural, economic, educational, environmental, health, and social needs of the greater Charlotte region.
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    We believe in our vision and values just as strongly today as we did the first time we put them on paper more than 20 years ago. Staying true to them will guide us toward continued growth and success for decades to come. As you read more about our vision and values, you will learn about who we are, where we’re headed and how every Wells Fargo team member can help us get there. Our values should guide every conversation, decision, and interaction. Our values should anchor every product and service we provide and every channel we operate.
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