http://www.ucsf.edu/sorehand/#ARCHIVES
http://www.ucsf.edu/sorehand/
http://www.orthohelp.com/exercts.htm
Paul Zane Pilzer£©£¨The Wellness Revolution
pressure force on finger when typed
http://essay.studyarea.com/Old_Essay/medicine/carpal_tunnel_syndrome_a_occupational_illness.htm
http://www.extremetech.com/article2/0,1558,1234109,00.asp
http://www.carpaltunnel.com/
Along about the same time, the media publicized the fact that some individuals involved in repetitive type work activities, such as those who work on computers all day, have an increased incidence of carpal tunnel syndrome.  In point of fact, most people who come in the hand surgeon¡¯s office with carpal tunnel syndrome are perplexed as to why they have this disease because they do not engage in classical repetitive type work activities.  



- Prepare a Glossary page

!!!http://www.pphsa.on.ca/ergo/ergofaq.asp
- Statistics
http://www.tifaq.com/articles/carpal_tunnel_syndrome-sep98-well-connected.html

The force of the movement may, however, be a particular factor for CTS in typists. One study observed that typists with carpal tunnel syndrome struck the keys with greater force than those without the disorder. Some workers may not even be aware of the amount of force they exert while performing their jobs. For example, the fingers of typists whose speed is 60 words per minute exert up to 25 tons of pressure each day. 

http://www.nimblefingers.com/k_carpal.htm

- http://eeshop.unl.edu/rsi.html
http://www.nimblefingers.com/k_carpal.htm
Do you have these symptoms?

Tightness, discomfort, stiffness, soreness or burning in the hands, wrists, fingers, forearms, or elbows 

Tingling, coldness, or numbness in the hands 

Clumsiness or loss of strength and coordination in the hands 

Pain that wakes you up at night 

Feeling a need to massage your hands, wrists, and arms 

Pain in the upper back, shoulders, or neck associated with using the computer. 




Injury Rate
http://www.me.berkeley.edu/ergo/research/injuryrate.html

Case Studies
http://www.me.berkeley.edu/ergo/casestudies/index.html

Computer Use Tips
http://www.me.berkeley.edu/ergo/services/tips.html
http://my.webmd.com/content/article/1/1700_50601.htm

Glossary: Variant(s): also or¡¤tho¡¤pae¡¤dics  /-'pE-diks/
Function: noun plural but singular or plural in construction
: a branch of medicine concerned with the correction or prevention of skeletal deformities

==========================================================

- How TO TRANSFER A MORTGAGE
http://www.homestore.com/news/AskBroderick/08-01-01/askbaug.asp?gate=tbo

- Assumable Mortgage
http://www.homestore.com/News/AskBroderick/MajorAppliances.asp?gate=tbo

- Gift/HomeStead
http://www.homestore.com/News/AskBroderick/Homesteading.asp?gate=tbo

- Capital Gains
http://www.homestore.com/News/AskBroderick/CapitalGains.asp?gate=tbo

http://www.homestore.com/News/AskBroderick/Default.asp?gate=tbo

How to Transfer a Mortgage 
By Broderick Perkins 

Q: I want to know approximately how much it would cost to transfer a mortgage loan from one person to another, if the person receiving the loan is the same person who made the down payment and has been making all the house payments for more than four years. The person who wants to take over the loan is retired and on a fixed income. 

A: I assume what you want to do is to also deliver the title of the home to the person who's been making the payments thus far. Your costs will depend upon what route you take to make the transfer and any legal fees you could face. 

In your current situation, if the person currently making your loan payments is ever late, the lender will come looking for you, not the person making the payments. Also, if you misled the lender about the source of the down payment, you've committed fraud and if the lender discovers your transgression it could call in the loan and sue you. 

Also if you've claimed tax deductions for the mortgage interest someone else has paid, you've committed tax fraud. If the other person is taking the mortgage interest deduction for a home that's not legally his or hers, that could trip a tax audit and he or she could be charged with fraud. Tax fraud is a federal crime. 

Your arrangement might make sound financial sense to you and the "person" but it's no stretch to say the scheme could threaten both your financial futures. 

What's more likely, however, if the payments have been coming in on time, the lender is none the wiser and sends an "A" rating to your file at the credit bureaus each month. The tax issue remains a loose end that could always unravel if you or the person claiming the deduction has been dishonest. 

Unless your mortgage is assumable -- and most aren't -- you can't transfer it, per se. 

If if is assumable, whoever takes over the payments likely will have to qualify for the balance just as if he or she were taking on a new loan. Some older assumable loans don't come with the qualification requirement. Some assumed loans also will leave you responsible for the full note, even after it's assumed. In that case, if the new note holder defaults, you default. 

In any event, with an assumed loan, the new borrower typically must also come up with the amount you've already paid into the home. In your case, however, since the person who would be assuming the loan has already paid the down payment and monthly mortgage costs, coming up with what's been paid into the mortgage may not be necessary. 

If the loan is not assumable, your options are to refinance the mortgage and put the other person's name on the loan and the title with yours. You can also "sell" the person the home. Again, he or she will have to qualify for a loan to make the purchase. Again, because the other person has already been paying for the home, what sale price you might settle upon isn't clear. 

If what you really want to do is transfer the title, you can do that, but in the unlikely event the lender discovers the transfer, the discovery could trigger a due-on-sale clause and the lender could call in the loan, which means it will request that you pay the full balance. Also, a title transfer won't absolve you of responsibility for the loan. 

Your loan contract can tell you if your loan is assumable, but you may need the legal assistance of a real estate attorney to protect your rights, avoid liabilities and make a smooth and legal transfer. 

A lender may also be of assistance, but it's not clear what could happen if you contact your current lender and disclose how the loan has been paid thus far. 

Non-working spouse 

Q: My husband and I want to buy a house. I have not worked outside the home since 1996. Would it be better to apply for a loan in his name only or does adding my name to the loan make a difference in terms of getting a better deal? 

A: It depends, in part, on your credit score, says Greg Pennington with Wausau Mortgage in Pleasanton, CA. If you have a minimal, low, or no credit score, you may lock you and your spouse out of some of the better interest rate programs that lean heavily on credit scoring as a qualifying factor. There are ways to avoid the credit score tap dance, but it requires knowledge of the nuances of loan programs. The person you choose to help you find the right loan is key. Find a representative and get your husband prequalified with a review of his income, assets, and credit history. That will help you determine how much he can borrow and what loan program best fits your needs. Get mortgage broker and lender recommendations from family, friends, co-workers and others you trust. Try to obtain such a referral from someone who recently completed a satisfactory mortgage application. Whoever prequalifies you should give you guidance on how your credit score will affect the loan decision. Then you can decide if you want to add your name to the transaction. Remember, even if you are not on the loan with your spouse, both of you should be able to take title of the loan after closing. If there are any judgments, tax liens or other claims against you, however, going on the title after the loan closes may attach the debt to the property, Pennington said. 

Carolyn M. Bauer an independent mortgage specialist in San Jose, CA adds even if you aren't going to contribute income, but have a good credit history with no additional debts, your addition to the application will enhance your chances of getting the loan you want because it will create a joint obligation. Also, you'll be on the title. You should otherwise protect your interest in the property after the loan is closed. 

Living trust 

Q: We moved recently and our new home is not recorded under our living trust. What must we do to change this? Is an attorney required? 

A: An attorney is not required. Anyone can obtain a grant deed form from a stationary store and type the deed, notarize the signatures and record it at the county recorder's office, says Sam J. Gilstrap, a real estate consultant with Gilstrap Associations in San Jose, CA. The deed would read: "Mr. Seller and Mrs. Seller grants to the Seller Family trust, dated (the date the trust was signed)." The legal description would be typed and the deed signed before a notary. A paralegal can prepare the deed or a title company can prepare it, if you don't feel comfortable preparing it yourself. Nolo.com's "The Deeds Book" (Nolo.com $24.95) offers additional insight. 

http://www.breakoutreport.com/profiles/cangenechart.htm
http://rollingstock100.com/E-Mail_Archives_DEC_00.html

http://www.dqnews.com/ZIPSFC.shtm

http://abcnews.go.com/sections/business/TheStreet/onlinebroker990419.html
X: no good
ETrade           CreditInt ($2500+)   1.03                     SWEEPS
                 MoneyMkt             1.03

MorganStanley    MoneyMkt             1
TD WaterHouse    MoneyMkt             1.2                      SWEEPS
DATEK                                                          X
SCHWAB           MoneyMkt             1.48                     SWEEPS
Fidelity         FDRXX/CashResv       1.96 (7 Day Yield)       X
MerillLynch      Cash                 1.66                     
CB&T             MPlus                1.5           
BOA              IntChk               0.2
                 IntMax               1.54
                 1MonthCD             2

• Bureau of Labor Statistics http://www.bls.gov
• Nolo Laws Encyclopedia
• real-estate-law.freeadvice
• Mortgage Banking Mag

• Google
• AltaVista

• howto buy forclosure property
• all-foreclosure.com
• niteowl property profile

• alameda county property assessment/tax
• alameda county recorder
• alameda county treasurer

• http://www.cme.com/