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2023.03.21 21:30 hibamichelle California will give first-time home buyer 20% down- California Dream for all
Hello!
California passed
SB-197, which gave birth to the housing program California Dream for All. This program isn't available to apply for until 3/27/2023; however, the guidelines and details about the program have been released. You can verify all the info in my post
here. This program is similar to the 10% down program CalFHA had last year. Like that previous program, this program only has a set amount of funds available.
What is the program? Through shared appreciation, The California Housing Finance Agency (CalHFA) will provide 20% down payment assistance, in the form of a silent second loan. There is not a monthly payment associated with this loan; however, should you sell, refi, or transfer ownership, you will have to repay the loan they provided to you, as well as a portion of the appreciation. This loan does not turn into a grant.
- For Example -
$500,000 purchase price.
CalHFA will give you $100,000
This amount doesn't include what you would owe through shared appreciation.
What does shared appreciation mean? CalHFA is entitled to 15% or 20% of the appreciation gained the purchase date. Whether you pay 15% or 20% will depend on your income. Per the guidelines, buyers whose income is between 80% - 150% of your
county's Area Median Income (AMI) pay 20% of the appreciation. Most buyers are going to be within this range. If your income is less than 80% then CalHFA will only take 15%.
Benefits - No down payment
- No private mortgage insurance
- Lower monthly payment
- increased purchase power
Qualifications: - First-time Homebuyer (haven't owned a property in the last 3 years)
- Minimum credit score: 660
- Maximum debt-to-income ratio: 45%
- Single Family home or Condo; no multifamily
- Income can't exceed county income limit
- CalHFA homebuyer education course required
- One year home warranty required
Thank you :)
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hibamichelle to
ChicoCA [link] [comments]
2023.03.21 21:30 Cat_language Im 19(M) who have been thinking to become independent, but i don't sure about this decision.
In the past weeks, i've been thinking to go to my house and search the life that i want.
A litle context before. All of my life has passed doing what my parents wants. i never take the initiative to do a something. Every time when invite me to go out, i decline the ofert. i never have a girfriend, or a passion that shinning my life, only the videogames and my laptop, where i can rest of the reality. My parents didn't help much.
My dad is a strong man, i considered a mature person in all of aspects, ecept in being dad. He treates me with love, with hugs and kiss. But he never pass time with me, never has taught me a something shit, he don't know nothing to my tastes. he's the tipical man that tkinks his tastes is the same for all peopes around him. For instance, every time when i want a something he didn't buy me, only why he didn't like him.
My mon is diferent of my dad. She taught me all of i know today. But she follows all my dad's orders.
In general, my relationship witn my parents are complicated. I don't fell happy with then around, it's like i need to susppress me to don't disturb then. I'm a corse in life. if they ask me a something, i only answer vague questions.
So that's up? why you don't talk with they and enjoy the life? Well, lets back one year to the past.
In january of 2022 i started to study software engineering. I moved to the country's capital and started living with my aunt. I saw this for a oportunity to start again, where i can enjoy the life thtat i losting in these years. i'm tired for only play videogames alone, for only study for my future. i want to live in the present a litle more.
i started to make friends, go out, in general, revive my social life. Not only that, i had plans to satrting swimming, cooking, get a job in the software industry in the second or thirt year for start off on the right foot when i'll get my degree.
Obvioulsy i know all the dangers of the word. When i go out i decline to drinking beer or something else. i never neglect my studies, I end the year whith 3.33 in the uni.
So as you must be imagining, my parents don't like the idea that i want to know the word. So they ban all of my liberty actions. Not only that, i can't do anithing that has nothing to do with study.
To finish off, my aunt is a special. she has a strong nature. She is the type of people of a big ego, She thinks she's perfect. She is the only that do all in the house because her ego can't see how another people relegate her. You can't say a something that question her because she discust with you, victimizing only for win the discusion. In resume, a person who thinks they are constantly attacking her.
Thanks to my cousing, i can't use the internet to play online or make a meeting in discord, because my cousin is "suffering", they can't play warzone under 50 ping.
There are a lot of ban that has harmed my life and my studies. So that's why i've thinking to become independent.
I have a plan, my career gives me the oportunity to get a good job early. i'm in a job with my uncle that i don't do much. My plan is save money for one year and get certifications to gain experience. Work for a scholarship. Get a friend to live together. Get a job so as not to starve.
I know if i become independent now, i lost all my family. i tried to talk with my aunt, and my parents, but it didn't work. they say me that i'll be free when i graduated, but i think that this continue for all my life if i put a stop.
So the question is, Should i become independent? Is it the only way? or the best is waiting when i graduated.
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Cat_language to
Advice [link] [comments]
2023.03.21 21:30 AutoModerator [Get] notJust Dev – The Full Stack Mobile Developer
2023.03.21 21:29 dev_named_jeff Is remote work here to stay?
I'm curious as to what everyone thinks about remote work vs in person work. I have a pretty unique perspective working in software development but I wrote a couple pros and cons to working remote. Is it here to stay, and is it justifiable for companies?
Pros:
- Flexibility: Remote work allows employees to work from anywhere, which can be especially beneficial for those who need to balance work with other commitments such as childcare, eldercare, or personal obligations.
- Increased productivity: Remote workers have fewer distractions and may be able to work more efficiently than they would in a traditional office setting.
- Reduced commute time and costs: Not having to commute to work can save employees time and money on transportation and other related expenses.
- Improved work-life balance: Remote work can provide employees with more control over their schedules, allowing them to better balance work and personal life.
- Access to a broader talent pool: Employers can hire remote workers from anywhere, allowing them to access a larger talent pool and find the best candidates for their open positions.
- Reduced overhead costs: Employers can save money on rent, utilities, and other expenses by having fewer employees working in a physical office space.
Cons:
- Lack of face-to-face interaction: Remote work can lead to isolation and a lack of social interaction, which can negatively impact employee morale and mental health.
- Difficulty with collaboration and communication: Without the ability to easily meet in person, remote teams may struggle with communication and collaboration, which can lead to misunderstandings and delays.
- Potential for distractions: While remote workers may have fewer distractions than they would in a traditional office, they may also face distractions at home that can impact their productivity.
- Technological challenges: Remote work requires a reliable internet connection and access to the necessary software and tools, which can be challenging for some employees.
- Difficulty with monitoring performance: Without being able to physically observe employees, it can be difficult for managers to monitor their performance and ensure that they are meeting expectations.
- Blurring of work-life boundaries: Remote work can make it difficult to separate work from your personal life
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2023.03.21 21:29 universalhat Is Ubisoft afraid to address cheating on PC servers?
With Mousetrap now announced, but coming solely to console, it seems like they've just accepted that the top ranks on PC are going to be occupied completely by keyboard and mouse players. Why? What are they afraid of? Pretending there aren't tons of KBM players isn't reasonable anymore - most people in my lobbies these days are clearly not legit, and the practice seems to be so widely accepted that streamers don't even make an attempt to hide their keyboards anymore.
So is that just it? We're going to accept that XIM on PC is here to stay, and that's the solution? Cowardice.
the internet has really harmed folks' ability to interpret the written word, so i state here explicitly that "this is a joke, a funny ha-ha, written painstakingly and at great effort through a Gravis Gamepad Pro. because keyboards are for filthy cheaters."
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universalhat to
Rainbow6 [link] [comments]
2023.03.21 21:29 OdonataDarner Indy questions 🙏
I just set up a new alt for indy (my single main is pvp). I have limited experience and knowledge about building modules and ships. Do NPC stations offer a manufacturing bonus*? Or does the game force you to build in corp stations?
*In the Industry/manufacturing screen, at the bottom there's a small exclamation point! right next to where the price to manufacture an item is located. When you cick the exclamation point a screen pops up showing stats, like time to cook, skills bonus, and Facility Bonus.
Which npc stations provide this bonus?
Thanks!
Edit: Where can I read simple explainers about building things?
submitted by
OdonataDarner to
echoes [link] [comments]
2023.03.21 21:29 IGB_Lo So now that GME is profitable, how can shorts justify their short positions (other than crime)?
Why would anyone short a company that is profitable, and only looking to become more profitable long term, and one that has over $1.3B (yes, B I L L I O N) in cash or cash equivalent in securities.
What reasoning could someone provide that would logically explain why they think this company is just about to start on a decline starting tomorrow?
How can someone truly believe that a company that has spent 2 years turning itself around while being doubted by everyone but SuperStonk is about to just start making bad business decisions and losing money now?
I know the answers, but curious to hear responses from those who are short.
submitted by
IGB_Lo to
Superstonk [link] [comments]
2023.03.21 21:29 LeVraiRoiDHyrule Beginner in OpenWRT : Can't set Adguard home as my DNS for all my networks
Hi,
I am new to OpenWRT and managed to have my network configured as well as a guest network. Now I'm trying to put everything behind Adguard Home. I tried to follow this guide :
https://openwrt.org/docs/guide-useservices/dns/adguard-home#installation But after doing so I have 2 problems :
- The guest network no longer have DNS access (so no internet)
- OpenWRT doesn't have internet access (so it can't download opkg packages for example)
Adguard works only for my main network. Could someone help me to set it up properly ? I can't find how.
I made a post about this with my whole config :
https://forum.openwrt.org/t/adguard-home-as-my-primary-dns-doesnt-work-for-guests/155083 By the way, I am new to OpenWRT so if you see errors or bad things in my config, or have tips to improve it, I'm very interested.
Thanks in advance for any answer, have a great day
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LeVraiRoiDHyrule to
openwrt [link] [comments]
2023.03.21 21:29 twoferrets Help me find these cinnamon rolls please
So if you worked in the Jersey City financial district (or pretty much anywhere in NYC and probably parts of Newark) pre-Covid you probably experience the fine cuisine provided by the various coffee carts in the mornings. You were a regular if you visited more than once, the guys had your order down. They'd remember you if you were away for a while. Years ago one of them gave me a Christmas card! The cart that used to serve my JC work neighborhood is gone, which makes me sad.
These paragons of fine dining have a variety of cinnamon roll I can't find anywhere else. Bigger than a Dunkin' coffee roll, dense, sometimes a tiny bit undercooked in the very middle. They're the kind of thing you can only eat on a Friday when you have nothing going on because you're going to go into a carb-induced fugue and it will be worth it. I always meant to ask "my" guys who their distributor was but I just didn't, and now I've lost the chance.
I've Googled various combos of "coffee cart distributors" and "food service" etc., but so far nothing. Does anyone know where NJ/NY area vendors get this stuff, and if they sell retail? Seems impractical to get a vendor license just to have my own supply but on the other hand, you gotta do what you gotta do.
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twoferrets to
newjersey [link] [comments]
2023.03.21 21:29 jellybellybabybean Self pay in Phoenix, Arizona
Hello, interested to hear if anyone here has done self pay near Phoenix. There is a place in Tucson, Higa Bariatrics, that will do it for about 15k. Wanted something closer, google is not very helpful as many other places aren’t as upfront with self pay cost.
Also, hoping to avoid giving my contact info to every place here, you know?
Also, we’re you satisfied with your provider and would you recommend them?
Thank you! I searched the sun and couldn’t find much specific to AZ.
submitted by
jellybellybabybean to
gastricsleeve [link] [comments]
2023.03.21 21:29 aditievok 360 Moving Recliner
| The 360 Moving Recliner from Evok is a comfortable and stylish addition to any home. The recliner comes with a 360-degree swivel feature that allows you to rotate the chair in any direction. The chair also has a footrest that can be easily adjusted to suit your needs. 360 Moving Recliner The high-density foam used in the chair provides excellent support and comfort. The recliner is upholstered with high-quality leatherette material that gives it a premium look. The sturdy metal frame ensures durability, while the sleek design adds to its overall aesthetic appeal. submitted by aditievok to u/aditievok [link] [comments] |
2023.03.21 21:29 visionary_33 Recover Surface Pro 3 after full wipe / removal of partitions
Hi all,
I've been playing around with my Surface Pro 3 but have some issues with re-installing Windows again.
Initially i tried recovering using the Surface recovery image booting via USB. Unfortunally this didn't succeed as it gaves me all kind of errors. Finaly found some instruction on the internet advising me to delete all partitions (incl the recovery).
At this time i'm again trying to recovery using the recovery image however when starting the recovery it states that there is no partition (which is correct as i deleted them). Afterwards i've created a new partitions using the diskpart in command prompt and tried formated the disk with the fat32 file system format but that failed due to the disk size?
Tried recovery from the cloud, this states that the pc must keep connected but it end up in the initial recovery screen (with troubleshooting and turn off pc options).
Any additional options i could try?
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visionary_33 to
Surface [link] [comments]
2023.03.21 21:28 CABSY7 Email Tracing
Are there any databases that provide robust email tracing? I just ran some scammer gmails my father is getting through IRB and getting zip. He's a senior w/ some cognitive decline and I'm trying to prove to him that some senders of these messages he's receiving are not legit. Anyone use Tracers? Any good? In general my PI firm doesn't do much skip tracing but once in a while need to locate a phone number. Any database recs for that? We've been using IRB, which sometimes just gives a handful of phone numbers in no particular ranking so we wind up calling them all w/ fingers crossed that one of them is it. Thanks.
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CABSY7 to
PrivateInvestigators [link] [comments]
2023.03.21 21:28 Blakplague AFU: Ukrainian troops, including at least part of the 80th Air Assault Brigade, are training on US-provided M1126 Strykers in Germany.
2023.03.21 21:28 griffulz High risk: My Game Stop Investment Strategy with Covered Calls
My cost basis for GameStop is significantly higher than its current market price due to my poor risk management. It stands at around $39, while the current market price is approximately $18. However, instead of selling closer to the money to collect more premium, I have had success with covered calls on these shares to cover my cost basis over the course of 2022 and part of 2023. Although it is a risky play as I am collecting a small amount of money for a high number of shares (17 contracts), I remain bullish on GameStop in the long term and am willing to accept a smaller return rather than risk having my shares called away from me for a loss. With that being said, can you provide your input?
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griffulz to
thetagang [link] [comments]
2023.03.21 21:28 ogrechick I feel like shit. My body and brain feel bad. Perhaps the result of me standing up to my Nmom and Edad yesterday (??)
I need someone to talk to via here. Someone who gets it. Even just a comment telling me I’m not alone. I just got off the phone with my therapy provider service thing (?? I called the Lyra call center people idk what to call them) They’ve sent me an email with self-soothing tactics to use and I want to use them and I plan too but I am also questioning whether or not I should check in to a mental institution. I don’t know how to articulate this but I am obsessively thinking about abuse from the past + heavily disassociating + feeling like a child who is going through the abuse again + having intense/upsetting fake arguments or scenarios where my mom turns everyone against me.
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ogrechick to
raisedbynarcissists [link] [comments]
2023.03.21 21:28 Significant-Sail-861 Discord Link for this forum ?
Hi All.
Will there be a Discord migration from 'Talks', if so, may someone provide the link?
Thank you in advance
OneAdvice submitted by
Significant-Sail-861 to
OneAdvice [link] [comments]
2023.03.21 21:27 Grav1era Hell yeah
2023.03.21 21:27 offlabeluser "Are not to promote or provide instructional information about illegal activities"?
1) So, is everything ok on
piracy? Doesn't that subreddit expressly contradict Reddit's TOS ? :-S
But more to the point... 2) Can people be arrested or hassled for this in the future? For information they promoted or provided ...online... years ago?
Possibly against a site's microscopic, legalese-ridden TOS?
THANKS FOR READING.<3
submitted by
offlabeluser to
AskALawyer [link] [comments]
2023.03.21 21:27 PurgeYourRedditAcct Yet another ambulance surprise billing question
Hi everyone,
I've been dealing with this one for a while, I live in IL.
In January 2022 I fractured my femur skiing in Colorado. Naturally I had an ambulance ride from the resort to the local hospital for surgery.
A month later I receive a bill from the ambulance service. I submitted my insurers information (United Healthcare) for it to be processed.
After processing the EOB stated these line items were paid:
- A0427 ALS EMERGENCY BASE 80% covered 20% OON coinsurance
- A0425 MILEAGE 80% covered 20% OON coinsurance
Then a bunch of other line items
- A0394 NORMAL SALINE
- A0398 EKG/CARDIAC MON IN
- A0398 IV/IO THERAPY
- A0382 PULSE OX
- A0394 CARDIAC MONITOR
- A0398 (drug I received)
- A0398 (another drug I received)
All of these are listed on the EOB with a code 3C-
BENEFITS FOR THIS SERVICE ARE DENIED. THIS BILLING DOES NOT COMPLY WITH NATIONAL/INDUSTRY CODING AND PAYMENT STANDARDS. WE'VE SENT YOU A LETTER WITH ADDITIONAL INFORMATION. PROVIDER: THIS DECISION WAS MADE BY MEDICAL AUDIT & REVIEW SOLUTIONS (MARS) ON BEHALF OF UNITEDHEALTHCARE. DO NOT BILL THE PATIENT FOR THIS SERVICE. FOR MORE INFORMATION ABOUT THE DENIAL GO TO PROVIDER.MARSAUDITOR.COM OR CALL 800-239-6217. IF APPROPRIATE, YOU MAY SUBMIT A CORRECTED CLAIM FOR THE PATIENT. MEMBER: IF YOU QUESTIONS ABOUT THIS CLAIM, PLEASE CALL THE MEMBER NUMBER ON YOUR HEALTH PLAN CARD.
I've been receiving bills from the ambulance company for the balance (just the coinsurance and the ancillary items above) every month for the last year. Everytime I call UHC and tell them I'm receiving balance bills and they tell be I shouldn't be. They say they'll look into it. Every now and then the claim will be reprocessed with the same result. Eventually I got put through to a claims specialist who essentially said...
Billed separately for supplies. Determined that these charges should not have been charged. Apparently it was determined that it needed to be appealed. I'll investigate and call within a week.
She called me today and said that the claims department has determined there is nothing they can do and told me that I can appeal.
But no one is really telling me what the hell is actually wrong and how I can fix it. I reckon if I submit an appeal the same result will occur with the same denials.
So really my questions is: What could have happened here? How can I fix it? Who do I contact for the next move? The provider for incorrect billing? The insurance company for incorrect processing?
Or should I just pay the bill and send it to my travel insurance company who has already covered the rest of my OOP costs from this incident.
Cheers
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PurgeYourRedditAcct to
HealthInsurance [link] [comments]
2023.03.21 21:27 Purtle [PIL] #886 3/21/2023
Purtle's Internet Lineup for March 21st, 2023 4:28pm Pics: Clips: Videos Articles/News/Other submitted by
Purtle to
Purtle [link] [comments]
2023.03.21 21:27 twiggs462 $IDVV - How AI Is Changing The Marketing Industry - Press Release 03/21/2023
How AI Is Changing The Marketing Industry - Press Release 03/21/2023
https://www.otcmarkets.com/stock/IDVV/news?id=394007 LOS ANGELES, CA / ACCESSWIRE / March 21, 2023 / Artificial Intelligence (AI) is among one of the top conversations these days. What is it? What can it do? Who does it affect. The truth is everyone is affected in some way shape or form. Recently International Endeavors Corporation (OTCPINK:IDVV) entered the AI Sector as it sees the potential for growth in somewhat of a turbulent economy. IDVV has started to implement a strategy to become involved in the AI sector in several areas including Marketing, Retail, and professional services. In this article we will be focusing on some of the impacts AI is expected to have in Marketing.
AI in Marketing
What's Occurring: One of buzziest forms of AI, generative AI, has the ability to produce digital images, conversational text, code and summaries of lengthy documents from a simple prompt. While it's still in its early days of development, it has big implications for jobs that include writing, coding and marketing products.
AI advances in marketing: In 2022, software development platform GitHub debuted GitHub Copilot, a tool that uses OpenAI models to write code based on a prompt. According to GitHub, Copilot is able to suggest methods, unit tests, boilerplate code and complex algorithms.
Some authors are using generative AI tools such as ChatGPT to co-write and illustrate books to sell on Amazon, and one legislator used it to help draft a law aimed at regulating AI. This isn't limited to startups, companies such as Microsoft and Google are integrating generative AI tools so office workers can do tasks like write emails or create presentations faster within their apps.
Jonathan Nelson, senior digital marketing manager of growth for the American Marketing Association, said marketers are experimenting with ChatGPT to write articles, including optimizing them for search engines, though they're not yet publishing those items.
"You have AI write a 1,000-word article, and then go through and edit it to make it sound human again," he said. "It's a framework for articles."
Jeff MacDonald, social strategy director at ad agency Mekanism, said he uses generative AI to brainstorm images for illustrators and designers. He also uses it to scrape TikTok comments and analyze reactions, ideas, and similarities and differences between brands.
Bill Martin of IDVV stated "We have recently begun making acquisitions in the AI sector to start implementing existing generative AI tools such as ChatGPT and Bard to create content marketing content and videos for specific industries. There's still a slight human element involved, but we're working to resolve that. We recently brought on our first client in the finance sector and they are seeing the desired results. We're bringing on more clients in other areas very soon, it's exciting!"
How jobs could evolve: Generative AI tools have the ability to help people become more productive, especially with content creation. That could mean using AI for a first draft and social media posts to solve simple problems or provide summaries of complex topics.
Though much is still experimental, marketers have a sense that they'll soon work with AI if they aren't already, even if it's just to help determine the success of a campaign. But it will be important for the industry to keep human creativity front and center.
Human involvement will most likely always be required in some ways, otherwise everything will repeat itself, and nothing will stand out.
Jeremy Smith, Founder of SF Corp, a company recently acquired by IDVV stated "Jobs will change, but in a positive way. The uses for AI that we're developing enhance human performance. Similar to how Steve Jobs used to state that the personal computer is like a bicycle for the mind. The AI Tools we're creating are like a bicycle for marketers to be able to increase productivity and stand out in competitive areas. Today Google just released BARD, it's getting interesting"
We encourage everyone to follow us.
Twitter
https://twitter.com/IDVVcorp Website
https://IDVVCORP.COM About Us
International Endeavors Corporation ("IEC") is a technology holdings company focused on Clean Energy, Crypto and A.I.
Specializing in solar technology, battery storage, as well as clean energy crypto mining options for both on & off grid.
We're currently implementing EV2G / Bi-directional charging options, thus allowing you to use your electric vehicle as a means of a backup battery, or to sell power back to the grid.
In 2022 IDVV started to offer its clients a Clean Energy Crypto mining solution. Our Plug-n-Play mining rigs can be installed in existing or current systems and allows the option to sell power back to the grid or mine crypto currency with any power surplus.
In 2023 We acquired WITech as part of an expansion into the AI Sector. We are incorporating AI technology into our crypto offerings, and developing a platform for AI Content Marketing.
The Company currently is reporting its financial information on OTCMarkets.
Our filings can be seen at
https://www.otcmarkets.com About SF Corp
SF Corp, formed by Jeremy Smith in 2020 is currently operating in Nevada. It has developed automated and artificial intelligence technologies for several industries including Auto, Medical, Robotics and Financial.
Disclaimer
Forward-Looking Statements are included within the meaning of Section 27A of the Securities Act of 1933, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements regarding our expected future financial position, results of operations, cash flows, financing plans, business strategy, products and services, competitive positions, growth opportunities, plans and objectives of management for future operations, including words such as "anticipate," "if," "believe," "plan," "estimate," "expect," "intend," "may," "could," "should," "will," and other similar expressions are forward-looking statements and involve risks, uncertainties and contingencies, many of which are beyond our control, which may cause actual results, performance, or achievements to differ materially from anticipated results, performance, or achievements. International Endeavors Corporation (IDVV) is under no obligation to (and expressly disclaim any such obligation to) update or alter our forward-looking statements, whether as a result of new information, future events, or otherwise.
Contact:
Bill Martin, Vice President Phone: 1-619-343-3199 Email:
[email protected] SOURCE: International Endeavors Corporation, Inc.
View source version on accesswire.com:
https://www.accesswire.com/745008/How-AI-Is-Changing-The-Marketing-Industry submitted by
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