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When to Refinance a Mortgage: Is Now a Good Time?

Sponsored Content: With mortgage rates near rock bottom, it's a good time to refinance a mortgage, right? Sure, in many cases, no doubt.  As a matter of fact, 17% of U.S. homeowners with a mortgage on their primary residence refinanced in 2020, according to a September NerdWallet survey conducted online by The Harris Poll among 1,413 U.S. homeowners. And nearly one-third (31%) of homeowners with a mortgage on their primary residence said they were considering refinancing within the next 12 months, according to the survey.  To know if it’s the right time to ...

Effect of Graphic Warning Labels on Cigarette Packs on US Smokers’ Cognitions and Smoking Behavior After 3 Months, A Randomized Clinical Trial

Abstract Importance  The US Food and Drug Administration’s implementation of graphic warning labels (GWLs) on cigarette packs is under challenge in US courts. Objective  To determine whether GWLs can affect US smokers’ perceptions about their cigarettes or health consequences and changes in smoking behavior. Design, Setting, and Participants  This study was a randomized clinical trial of the effect of a 3-month, real-world experience of cigarettes with GWL packaging. Community recruitment was done from September 2016 through December 2019 of daily smokers from San Diego, California, aged 21 to 65 years, who were not ready to ...

Important Information for NORCAL Mutual Policyholders

This message impacts NORCAL Mutual policyholders with a policy in effect as of February 18, 2020, including any successor policy to a policy in effect on this date.* Act Now! First deadline is April 21, 2021 NORCAL Group and ProAssurance Corporation (NYSE: PRA) have announced the signing of an agreement to combine the companies, which will convert NORCAL from a mutual insurance company to a stockholder company. In conjunction with the pending agreement, all NORCAL Mutual members (policyholders) should have received a “Notice of Proposed Transaction” packet containing full details regarding the stock conversion ...

City of San Jose Office of Retirement Services Seeking Proposals from Board Certified Physicians for Disability Medical Evaluations

The Boards of Administration for the City of San José Federated City Employees’ Retirement System and Police & Fire Department Retirement Plan (“Boards”) are seeking proposals from qualified medical evaluation services firm/individuals or Board certified physicians who specialize in disability medical evaluations.   The Office of Retirement Services (“ORS”) in coordination with the Boards processes approximately 80 disability application-related transactions each year and requires the services of an established disability medical evaluation services firm/individual or physician(s) with a desired expertise in Occupational Medicine who will: 1) provide medical expertise in assisting ...

Public Comment on Draft Research Plan: Screening for Autism Spectrum Disorder in Young Children

The U.S. Preventive Services Task Force posted today a draft research plan on screening for autism spectrum disorder in young children. The draft research plan is available for review and public comment from February 25, 2021 through March 24, 2021. To review the draft research plan and submit comments, go here. Any visitor to the Task Force Web site can comment on any of the listed USPSTF draft documents. However, readers should note that the USPSTF writes these documents for researchers, primary care doctors, and other health care providers, using medical ...