Escrow Balances: Handling surpluses and deficiencies

first_img continue reading » Each year, RESPA requires mortgage servicers to conduct an escrow account analysis to determine whether a surplus or deficiency exists. If one exists, the rule provides requirements for how the funds are to be returned to or collected from the borrower. This blog covers the rules for each of these scenarios.SurplusesA surplus exists when the amount in the escrow account exceeds the estimated amount necessary to cover the disbursements from the escrow account for the rest of the escrow year. If the escrow analysis reveals a surplus, section 1024.17(f)(2) provides servicers with two options, depending on the amount of the surplus:Surplus is $50 or more: amount must be refunded to the borrower within 30 days from the date of the analysis. 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Study suggests masks rival respirators for flu protection

first_imgOct 2, 2009 (CIDRAP News) – In findings sure to renew the continuing controversy over respiratory protection for healthcare workers, surgical masks appeared to protect hospital nurses from influenza about as well as N-95 respirators did in a randomized trial conducted in Ontario.There were only two more confirmed flu cases among a group of more than 200 mask-wearing nurses than in a similar size group of nurses wearing N-95 respirators, according to the report published yesterday by the Journal of the American Medical Association (JAMA). The result met a statistical test for showing that the masks were “noninferior” to the respirators.But other experts said today that the study has important limitations—including the lack of a control group using no respiratory protection—that cast doubt on the findings.The report is described as the first randomized trial comparing different forms of respiratory protection against flu to reach publication. It comes a few weeks after the news of a study by Australian researchers in which N-95 respirators were found to be clearly better than surgical masks for preventing flu in healthcare workers. That study was reported at a medical meeting but has not yet been published in a journal.N-95 respirators are designed to fit closely to the face and filter out at least 95% of airborne particles, whereas surgical masks fit more loosely and were originally designed to prevent the wearer from infecting others.But health workers say the tight-fitting N-95s are uncomfortable and difficult to wear for long periods, and hospitals sometimes have trouble keeping them in supply. Surgical masks are more comfortable and cheaper, but scientists have not found much evidence that they protect wearers from respiratory pathogens.Respiratory protection for health workers has been a big issue since the emergence of the novel H1N1 virus. In early September, the National Academy of Sciences’ Institute of Medicine (IOM) issued a report affirming the current Centers for Disease Control and Prevention (CDC) guidance on the topic, which recommends use of N-95s by all healthcare workers who enter the rooms of patients with confirmed or suspected H1N1 infection. The same advice goes for emergency medical personnel who come in close contact with such patients.Study designThe Canadian researchers, led by Mark Loeb, MD, MSc, of McMaster University in Hamilton, Ont., recruited 446 nurses who worked in emergency departments and medical and pediatric wards in eight Ontario hospitals.They were randomly assigned to wear either a surgical mask or a fit-tested N-95 respirator when caring for patients with febrile respiratory illness. The nurses continued to use their assigned respiratory protection during aerosol-generating procedures such as intubation, provided tuberculosis was not suspected.The team confirmed influenza in the volunteers by either of two methods: detection of viral RNA in patient specimens by reverse-transcriptase polymerase chain reaction (RT-PCR) or at least a four-fold rise in serum antibodies to circulating flu strains at the end of the study period.To reduce errors, the serologic criteria for infection with seasonal flu strains were used only for nurses who had not received the seasonal flu vaccine. About 30% of the mask group and 28% of the N-95 group had been vaccinated.To check whether nurses were actually wearing the assigned protection, the researchers called hospital units daily during the peak flu period in March to find out if they had any patients with flu or febrile respiratory illness. If they did, an auditor was sent to the unit to observe for compliance by watching discreetly from outside the patient’s room.In the end, flu was confirmed in 50 of 212 nurses (23.6%) in the mask group and 48 of 210 nurses (22.9%) in the N-95 group, the report says. That signaled a difference in absolute risk of only 0.73% (95% confidence interval [CI], -8.8% to 7.3%, P=.86), indicating the masks were not inferior to the respirators.Most of the cases were confirmed by serology; confirmation was by RT-PCR in only six in the mask group and four in the N-95 group.The authors also looked at several other outcomes, including non-flu respiratory infections and influenza-like illness (ILI), and found no significant differences between the two groups. Nine nurses in the mask group had an ILI, versus only 2 in the N-95 group, indicating the risk for the N-95 group was 3.3% lower (95% CI, -6.31% to 0.28%, P=.06). All 11 nurses had lab-confirmed flu.Serologic evidence of infection with the emerging novel H1N1 virus was also found in the study, in 8.0% of the mask group and 11.9% of the N-95 group. The findings signaled noninferiority for the masks.There were 18 episodes in which the researchers checked whether nurses were using their assigned protection in the prescribed situations. They found that all 11 nurses in the mask group and 6 of 7 in the N-95 group (100% versus 86%) were complying.Conclusions and limitationsThe authors conclude that the incidence of flu in the two groups was similar. “Surgical masks had an estimated efficacy within 1% of N-95 respirators,” they state.They acknowledge several limitations of their study, including an inability to assess compliance by all participants and no monitoring of hand hygiene or the use of gowns and gloves. They say it is impossible to know whether the volunteers contracted flu because of exposure in the hospital or in the community, but add that their data on household exposure suggest that it was similar between the two groups.”We acknowledge that not surveying participants’ coworkers about influenza-like illness was a limitation,” they state. They also caution that their findings apply to routine care and should not be generalized to settings where flu viruses can be aerosolized, such as intubation, where use of N-95s is recommended.Experts note drawbacksOther experts who commented on the study today cited the inability to assess possible differences in flu exposure between the two groups as a drawback.Kristine Moore, MD, MPH, medical director of the University of Minnesota Center for Infectious Disease Research and Policy, publisher of CIDRAP News, called the study an important step in understanding respiratory protection for health workers, but said she was concerned about possible differences in flu exposures.”It may be that the exposure risks within the healthcare facilities were different for the two groups (ie, if one group had more direct contacts with influenza patients than the other group),” she commented by e-mail.”Also, unlike [for] a pathogen such as drug-resistant Mycobacterium tuberculosis, much of the exposure to influenza occurs in the community setting rather than in a healthcare facility,” Moore added. “The investigators had no way to determine the attributable risk of community exposures versus the attributable risk of exposures within the healthcare facility.”Even though they found comparable histories of ILI among household members, this information may not have accurately reflected true influenza rates in household members and does not address other community exposures. A high attributable risk for community exposure could have accounted for the similar infection rates among the respirator and mask groups.”Lisa Brosseau, ScD, MS, an associate professor of environmental science at the University of Minnesota School of Public Health and veteran researcher in respiratory protection, voiced similar concerns. Calling the finding of no difference in protection surprising, she said the limitations acknowledged by the authors and other problems may account for it.In particular, there was no control group of nurses working in the same hospitals but not using respiratory protection—unlike in the recently reported study by Australian researchers, she said. “Thus, it is impossible to say whether either ‘mask’ made a difference in healthcare worker infection rates,” she said.Brosseau also noted that the limited auditing in the study indicated only 86% compliance in the N-95 group, versus 100% in the surgical mask group. Lower compliance in the N-95 group could lead to higher direct exposure to influenza in that group, distorting the results, she said.Also, she said, because the observations of compliance were very limited in nature and number, it’s not possible to know such things as whether the nurses used respirators that matched their fit test, checked the seal, or wore them the whole time they were in the patient’s room.”I don’t think this is the definitive study everyone is looking for, but rather illustrates the great difficulties involved in conducting studies of personal protective equipment effectiveness in the ‘real world,'” Brosseau said.Editorial cites strengths, weaknessesAn accompanying JAMA editorial by two other experts praised the study on several counts. The authors, Arjun Srinivasan, MD, of the CDC and Trish M. Perl, MD, MSc, of Johns Hopkins University, said the two study groups “were well balanced with similar risk factors for influenza infection, including vaccination and febrile respiratory illness among household members, and participants were evenly distributed across study hospital wards.”On the other hand, the writers note that the researchers “did not directly assess exposure risks by collecting data on the number of nurse contacts with patients” who had febrile respiratory illness.Srinivasan and Perl also comment that the controversy over respiratory protection has distracted attention from the need to use other strategies to prevent flu transmission in healthcare settings—chief among them, annual vaccination of healthcare workers.Loeb M, Dafoe N, Mahony J, et al. Surgical mask vs N95 respirator for preventing influenza among health care workers. JAMA 2009; early online publication Oct 1 [Full text]Srinivasan A, Perl TM. Respiratory protecton against influenza. (Editorial) JAMA 2009; early online publication Oct 1See also: Sep 17 CIDRAP News story “Study on respirators versus masks hailed as landmark”last_img read more

Finland’s Port of Helsinki releases LNG bunkering manual

first_imgTallink’s LNG-fueled MegastarThe Port of Helsinki announced on Tuesday that, in response to liquefied natural gas becoming an increasingly popular marine fuel, it has published instructions for the safe LNG bunkering of ships.With the expansion of the sulphur emission control area of the Baltic Sea, LNG is becoming an increasingly attractive option, and one that also complies with the restrictions on nitrogen emissions that will enter into force in the Baltic Sea as of the start of 2021, the Port noted in its statement.The Port says that in an attempt to boost the adoption of LNG as fuel, it prepared the LNG safety manual in collaboration with the consulting company SSPA and Finnish authorities last winter.The document details the minimum requirements for shipping companies and LNG suppliers that wish to bunker LNG at the Finnish Port.LNG bunkering has been conducted at the Port of Helsinki since the summer of 2014, when the Finnish Border Guard’s offshore patrol vessel Turva was completed.The vessel’s primary bunkering place is in Vuosaari, and the bunkering has proceeded without any problems from day one, the statement reads.The latest LNG ship to operate out of the Port of Helsinki is the Tallink Shuttle Megastar, which operates on the Helsinki–Tallinn route.Megastar is refuelled at the West Harbour five times a week. The ship’s turnaround times are very short, as a result of which the refuelling must be conducted precisely, swiftly and safely, the statement added.last_img read more

Former Nigeria national security advisor imprisoned

first_imgThere has been another twist to the Sambo Dasuki saga.The former Nigerian national security advisor has been imprisoned.He’s accused of defrauding the state of two billion US dollars through phantom weapons contracts.His arrest is seen as part of President Muhammadu Buhari’s efforts to stamp out corruption.last_img

Iraq-born U.S. war veteran receives American citizenship

first_imgAbbas, known locally as VanDam, assisted American military operations between 2003 and 2008GREENSBURG, Ind. – Abbas Altemimi was an Iraqi citizen fighting for our values before he ever stepped foot on American soil.He took part in over 3,000 combat missions alongside U.S. soldiers defending the freedoms he had yet to experience.“It was my goal. I said ‘I will not give up.’  I told myself that I would fight until I win or die,” Altemimi recalled. “I was blown up six times and I thought I would never make it this far, but I always wanted to come here.”The path toward U.S. citizenship through naturalization is a five-year process culminating in a test on English skills and civics.Abbas had to survive first.He was a teenager when he left his home in the farmlands of Balad, Iraq, and joined the Iraqi Army fighting against the Saddam Hussein regime.It was around the same time U.S. forces invaded his homeland in 2003.“It took me six months to learn English and I helped the American Army, and they asked me if I wanted to help the American Special Forces because I speak the language and have experience,” Altemimi noted.“So, I got trained to teach and help Iraqi troops, and I worked as a translator in the Iraqi Army at the same time working with all the [U.S. military] branches.”Between 2003 and 2008, Altemimi worked closely with the U.S. Army Special Forces, U.S. Marines Corp, U.S. Army, and Indiana National Guard.Paul (left) and Abbas in 2008.Altemimi met North Decatur High School graduate Paul Hellmich while serving with the Indiana National Guard in Iraq.A friendship formed in the middle of a warzone still stands true today.Abbas arrived in the United States for the first time in 2008 and found a new home in Decatur County, a farming community that reminds him of back home.On Saturday, Paul and his family were among over a hundred community members gathered at North Branch Golf Course as Abbas, 28, celebrated his newly-obtained American citizenship.“It is a really important day to me, it is really beautiful,” Abbas said. “I lost so many cousins and friends but it is worth it to fight for it, for freedom.”“I have been here for five years and I wake up every morning and love everyday of it. When you are free you’re like a bird, you open your wings and can fly anywhere in this country.”“You can have any education, any college, any dream you have, you are free.”Half a world away, Abbas still cannot escape the impact of war as he tries to remain in contact with his family via Facebook and phone calls.In the past six months, the conflict between his Iraqi forces and the ISIL terrorist group has claimed 28 people that he knew from back home.  Many of them are his cousins, others are friends.“It is really sad,” Altemimi exclaimed. “Just like the ISIS, the Al Qaeda, and the terrorists, they always want to take our freedom. Like Saddam did to Iraq, it’s like Hitler to Germany.”“You cannot control people’s lives. They try to take our freedom away and control us by killing.”Altemimi told us that he hopes people in his native country eventually get the same rights we have here.“All of the people there want to live and have their kids go to school and come back safe, go to your job and come back and not worry about who is going to kill you or who is going to blow up.”“When I say the [United States} is freedom, its freedom, I hope Iraq gets there one day.”Abbas Altemimi (right) with girlfriend Amber recently in Enochsburg.Abbas is currently dating Amber Champagne, of Houston, Texas.A love found in the middle of a warzone still stands true today.Amber was working as a contractor and Abbas was serving in the military when they first met in Iraq in 2008.“I would warn her that if I didn’t come home after a mission, something was wrong. One time, after a few days she found me in a hospital,” Altemimi remembered.They have recently reconnected and Amber was at his American citizenship celebration Saturday.He hints that he may soon be moving to Texas.“That’s freedom,” Abbas says.last_img read more

Crazy Routines

first_imgI was reading an article written by Zac Keefer of the Indianapolis Star the other day and found some really unusual “training” procedures.  In the first case, Amer’e Stoudemire, and NBA player, soaks his body in red wine in his bath tub.  He says after taking a pounding in an NBA game it is a way to de-tox all of his bumps and bruises.Odell Beckmon, an NFL player, brushes his teeth with his left hand.  He is right handed, of course, and it says that it strengthens his left arm so that he can catch one-handed passes better.  Moises Alou, a former baseball player, used to urinate on his hands because he said it made them tougher and he could grip the bat better.Matt Hasselback wears compression socks everywhere he goes when he is not playing football.  This is supposed to reduce water build up in his legs.  He is a Colt football player.  Finally, Qwell Jackson gets 4 massages every day so he is able to play football better–or so he says.I guess if they think it works, more power to them.  I’m not sure how much scientific backing any of these procedures have.last_img read more

Batesville mayor launches ‘Patriotic Challenge to Celebrate America’

first_imgBatesville, In. — Batesville Mayor Mike Bettice is pleased to announce a new initiative to encourage businesses and residents to decorate their properties in a patriotic theme this summer.The “Patriotic Challenge to Celebrate America” will expand on the efforts of the Batesville Beautiful League and the Military Recognition Banner Program to make our city even more appealing and festive during the July 4 holiday.“When I was growing up I remember all the businesses and homeowners used to decorate for the holidays,” said Mayor Bettice. “With the Indianapolis Symphony Orchestra expected to draw many to our community, I would love to see our city recreate that same festive spirit.”Businesses and homes are encouraged to decorate their properties in advance of the Indianapolis Symphony Orchestra’s patriotic performance and firework display on Sunday, July 1.last_img read more

Controversy as Covid-19 positive Napoli President shuns self-isolate protocol

first_imgControversy is growing after Napoli President Aurelio De Laurentiis tested positive for COVID-19, dined with other club patrons, and did not self-isolate despite having symptoms. La Repubblica reported late last night that one of the representatives of the 20 clubs at the Lega Serie A meeting on Wednesday had tested positive for COVID-19. Napoli released a brief statement this morning confirming President De Laurentiis was positive for the Coronavirus. However, worrying details are emerging of his irresponsible behaviour when waiting for the rest results, especially as he already had symptoms. According to the Corriere della Sera newspaper, De Laurentiis and his wife Jacqueline felt unwell after visiting their holiday home on the island of Capri. They underwent COVID-19 tests and were still waiting for the results when the 71-year-old President attended Wednesday’s Lega Serie A meeting. That had representatives from all 20 top flight clubs and he even sat down to dinner with them during a break in proceedings. It’s reported that, at the time, De Laurentiis had stomach pains and told those nearby it was due to ‘bad oysters’ he’d had in Capri. Loading… While at the meeting, it’s claimed De Laurentiis received a phone call telling him that the tests had come back positive. He immediately informed the others at the meeting and left. However, he was filmed leaving the venue in Milan and speaking to a crowd of reporters without wearing a protective mask, nor warning them to maintain social distance. De Laurentiis also flew back to Naples in a private plane accompanied by Benevento President Oreste Vigorito. read also:Allan to sign for Everton, confirms Napoli president There are more concerns, because the Corriere della Sera insists De Laurentiis’ condition worsened later that evening and he sent a message to Lega Serie A President Paolo Dal Pino warning he was running a fever. De Laurentiis had some health issues last year and is in the age group to be considered at-risk, so it’s possible he will be admitted to hospital for observation and treatment. FacebookTwitterWhatsAppEmail分享 center_img Promoted Content8 Weird Facts About Coffee That Will Surprise You7 Universities In The World Where Education Costs Too MuchWhich Country Is The Most Romantic In The World?11 Most Immersive Game To Play On Your Table TopTop 10 Most Iconic Characters On TV6 Great Ancient Mysteries That Make China Worth Visiting6 Stunning Bridges You’ll Want To See With Your Own EyesA Hurricane Can Be As Powerful As 10 Atomic BombsWhy Do So Many Digital Assistants Have Feminine Names & Voices?6 Extreme Facts About HurricanesMeghan And Harry’s Royal Baby: Everything You Need To Know7 Universities In The World With The Highest Market Valuelast_img read more

Local man lands several charges after abnormal behavior

first_imgGreensburg, IN—Last week, Greensburg Police Officers were dispatched to the area of Village Green Street in reference to a male that had just run into a residence and advised the female occupant that someone was chasing him. The male then exited the house and ran through several yards.As an officer was responding to the area he observed two vehicle’s slowing and eventually coming to a stop. The officer then observed a male running through yards and then onto US HWY 421 South. Police then observed the male jump off the bridge located on 421 S and land into the water.Officers arrived in the area to begin searching for the male. It was learned that the male was yelling to individuals that someone was trying to kill him and that this male was the same individual that had entered the residence near Village Green St.Officers located the male who was identified as Shannon C. Howard, 42, of Greensburg. Howard then began to actively resist officers. He was taken into custody and transported to the Decatur County Memorial Hospital due to his behavior.Once in the Emergency Room, Howard began to resist officers and screaming for someone to call 911, because someone was trying to kill him. The officers then assisted him to the ground to gain control of him. Once on the ground Mr. Howard began kicked the glass doors at the hospital.Once Howard was cleared by medical staff, he was transported to the Decatur County Jail where he was charged with allegations of Resisting Law Enforcement Causing Injury, Residential Entry Battery, Criminal Mischief, Criminal Trespass, Disorderly Conduct, and Public Intoxication.last_img read more

2020/2021 Season: Rangers set resumption date

first_imgRelatedPosts Rangers postpone resumption Rangers FC retire late Ifeanyi George’s jersey COVID-19: Rangers extend break by two weeks The Management of Enugu Rangers International FC has set September 13, 2020 as resumption date for the old and new players for the 2020/2021 Nigeria Professional Football League season.The decision was taken at Monday’s virtual meeting that had coaches, medical, media and management teams in attendance. The General Manager and CEO of the multiple league champions, Prince Davidson Owumi, while welcoming officials to the Webinar, urged all to double their efforts in the coming season to help the club actualise its modest target of annexing the league and Aiteo Cup to assuage the hunger of millions of the club’s followers across the world.Technical Adviser to the Flying Antelopes, Coach Salisu Yusuf, who connected to the meeting from his Kano residence, described the ended season as one that was filled with mixed feelings, but looked forward to the coming season with great optimism.Team Manager, Barrister Amobi Ezeaku, assured that all requirements for the club licensing exercise were being tackled frontally as most of the certifications needed were ready, while urging players to keep to the schedule of resumption.Tags: 2020/2021 Nigeria Professional Football LeagueDavidson OwumiEnugu Rangers International FClast_img read more