Given a passage and a query based on the passage, generate an unambiguous, concise and simple answer to the query from information in the passage. Note that the answer may not be present in exact form.

Input: Consider Input: As little as 5% down, plus mortgage insurance, can secure you a conventional home loan, but you'll wait longer than 2 years in order to qualify, perhaps as long as 7 years. VA Loan requirements after a short sale are only 2 years, offer 100% financing, no required mortgage insurance and a FICO score of 550 or better. Qualifying for an FHA Loan After Foreclosure FHA loans are the most forgiving of foreclosures. To qualify for an FHA mortgage loan, you must wait at least three years after the foreclosure. The three-year clock starts ticking from the time that the foreclosure case has ended, usually from the date that your prior home was sold in the foreclosure proceeding. That leaves about 4 million families who lost their homes to foreclosure who may still have it listed on their credit reports. That's a lot of people who potentially may want to buy a home within seven years of foreclosure. To be approved for a home loan within seven years of a foreclosure, here are some loan options and things to do: Improve your credit score FICO credit scores range from 300 to 850 and most mortgage lenders require at least a 620 to 660 score. The Federal Housing Administration (FHA) is not a mortgage lender; the FHA does not make loans. Rather, it insures loans for banks that do. The FHA publishes a compendium of rules known as FHA mortgage guidelines and so long as a mortgage meets of the rules' minimum standards, the FHA will insure the loan-issuing bank against default. A better name for an FHA mortgage, then, might be FHA-insured mortgage; it's a more accurate reflection of the relationship between the FHA and mortgage lender nationwide. FHA mortgage insurance is available for any loan which meets the following two conditions 1  : The loan must be made by an approved FHA lender. 2  The loan must meet the minimum standards of the FHA Mortgage Guidelines. 1 What types of home loan can you get after bankruptcy? 1.1 FHA Loans; 1.2 VA Loans; 1.3 Conventional Loans; 2 How does bankruptcy affect your credit score? 3 Can you buy a house even after a foreclosure? 4 What if you had both a bankruptcy and a foreclosure? When you are ready to fill out an FHA loan application in the wake of a short sale, what do the FHA loan rules say about having such a transaction on your record? FHA loan rules for new loans following a short sale may seem complex--the rules that apply to you often depend on the status of your mortgage loan prior to the short sale. We have written about these rules in the past, but since the publication of the FHA Single Family Loan program handbook, HUD 4000.1, there have been many changes and updates to portions of FHA home loan policy. FHA has a list of short sale (also known as a “pre-foreclosure sale) rules and regulations in HUD 4000.1 for borrowers looking to become homeowners once more. At least two years must have elapsed since the discharge date of the borrower and / or spouse's Chapter 7 Bankruptcy, according to FHA guidelines. This is not to be confused with the bankruptcy filing date. A full explanation will be required with the loan application. Simply fill out the 4-step questionnaire and find out: 1  If you are eligible for a home loan, 2  If you can apply for a loan now or need to wait longer, and. 3  What type of home loan you are qualified for. Buying Another Home After Foreclosure. Depending on your previous loan amount and where in the country you’re buying, you may have enough VA loan entitlement left over to qualify for another loan. You’ll want to get a look at your Certificate of Eligibility to see how much you have left, if any. Prospective buyers can do this themselves or ask a lender for help. Along with any required waiting period, you’d also need to meet the standard credit, debt-and-income and related requirements ... Query: how long do you need to wait for fha loan after foreclosure

Output: You need to wait for three years fha loan after foreclosure.


Input: Consider Input: Most employers will hold personal data such as CVs, interview notes etc.. You’d ideally want to hold this information for maybe 6 months as unsuccessful applicants have 3 months (can be extended to 6 months) in which to bring a discrimination claim against your business should they wish – and you need to use this data to defend any potential claim. Period of Limitations that apply to income tax returns. 1  Keep records for 3 years if situations (4), (5), and (6) below do not apply to you. 2  Keep records for 3 years from the date you filed your original return or 2 years from the date you paid the tax, whichever is later, if you file a claim for credit or refund after you file your return. Keep records for 7 years if you file a claim for a loss from worthless securities or bad debt deduction. Keep records for 6 years if you do not report income that you should report, and it is more than 25% of the gross income shown on your return. Keep records indefinitely if you do not file a return. Keep records indefinitely if you file a fraudulent return. Keep employment tax records for at least 4 years after the date that the tax becomes due or is paid, whichever is later. The following questions should be applied to each record as you decide whether to keep a document or throw it away. You’ll need to consider both your legal and business requirements when deciding how long to keep data. If your employee data is being stored off site in a third party system you might want to download an archive of that employees file which you can store on site, rather than maintaining and paying for it for 6 years. For employers who wish to adopt a voluntary record destruction program, some general guidelines are as follows: 1  Records relating to employee benefits and benefit determinations - keep for at least six years beyond final payment under the particular benefit program. As you can see, there is no steadfast rule on how long to keep data for and so you should try to keep to the spirit of the Data Protection Act 1998 which says that you must not keep data any longer than is necessary for a specific purpose. The ADEA requires the retention of the same records for one year for employers with twenty or more employees. Title VII and the ADA require that basic employee demographic data, pay rates, and weekly compensation records be retained for at least one year. Family and Medical Leave Act (FMLA): The length of time you should keep a document depends on the action, expense, or event which the document records. Generally, you must keep your records that support an item of income, deduction or credit shown on your tax return until the period of limitations for that tax return runs out. The How Long Must Employers Retain Employee Records? Last month's bulletin addressed the need to retain various employee records. Since we received a couple e-mails asking how long these records must be kept, we thought that would be a good topic for this month's bulletins. Naturally, there is no single answer. The length of time you must keep the records depends on the type of records involved. Fair Labor Standards Act (FLSA): Under the FLSA, the record-keeping requirements are either two years or three years depending on the type of record involved: Only HR staff and few individuals should have access to these files. Keep for at least three years after the employee leaves the organization. Workers compensation is generally kept on file for the life of the employee or former employee. I-9 forms - Keep I-9 forms separate and in a locked file area. If you want to keep CVs on file for future opportunities you’ll need to notify the applicant of why and how long you plan to keep it for and let them know that they can object to the information being held. Data such as their personal records, performance appraisals, employment contract etc… should be held on to for 6 years after they have left. Query: how far back should i keep an employee file?

Output: Keep employment tax records for at least 4 years after the date that the tax.


Input: Consider Input: If you notice any symptoms of colon cancer, such as blood in your stool or an ongoing change in bowel habits, do not hesitate to make an appointment with your doctor. Talk to your doctor about when you should begin screening for colon cancer. Guidelines generally recommend that colon cancer screenings begin at age 50. Stool Tests. 1  The guaiac-based fecal occult blood test (gFOBT) uses the chemical guaiac to detect blood in the stool. It is done once a year. For this test, you receive a test kit from your health care provider. At home, you use a stick or brush to obtain a small amount of stool. You return the test kit to the doctor or a lab, where the stool samples are checked for the presence of blood. The fecal immunochemical test (FIT) uses antibodies to detect blood in the stool. It is also done once a year in the same way as a gFOBT. If you are older than 75, ask your doctor if you should be screened. People at an increased risk of developing colorectal cancer should talk to their doctors about when to begin screening, which test is right for them, and how often to get tested. Several screening tests can be used to find polyps or colorectal cancer. The Task Force outlines the following colorectal cancer screening strategies. Talk to your doctor about which of the following tests are right for you. Stool Tests. 1  The guaiac-based fecal occult blood test (gFOBT) uses the chemical guaiac to detect blood in the stool. 2  The fecal immunochemical test (FIT) uses antibodies to detect blood in the stool. 3  The FIT-DNA test (also referred to as the stool DNA test) combines the FIT with a test that detects altered DNA in the stool. Stool Tests. 1  The guaiac-based fecal occult blood test (gFOBT) uses the chemical guaiac to detect blood in the stool. It is done once a year. 2  The fecal immunochemical test (FIT) uses antibodies to detect blood in the stool. It is also done once a year in the same way as a gFOBT. There are many different tests to detect colorectal cancer. Tests to detect colorectal cancer and polyps national colon diagnosis mayo clinic. At cancercompass you will find information to help understand and identify a colonoscopist is doctor who specializes in performing this test. Googleusercontent search. Colon cancer can occur in any part of the colon. An examination of your entire colon using a long, flexible tube equipped with a camera (colonoscopy) is one way to detect colon cancer and polyps. Colon cancer is cancer of the large intestine (colon), which is the final part of your digestive tract. Most cases of colon cancer begin as small, noncancerous (benign) clumps of cells called adenomatous polyps. Over time some of these polyps can become colon cancers. Polyps may be small and produce few, if any, symptoms. If you are older than 75, ask your doctor if you should be screened. People at an increased risk of developing colorectal cancer should talk to their doctors about when to begin screening, which test is right for them, and how often to get tested. Several screening tests can be used to find polyps or colorectal cancer. The Task Force outlines the following colorectal cancer screening strategies. Talk to your doctor(https://www.cdc.gov/cancer/colorectal/basic_info/screening/questions.htm) about which of the following tests are right for you. This type of screening can find problems that be treated the emedicinehealth doctors ask about colon cancer i was diagnosed with stage iv cancer, which had spread to lymph nodes, in 2005 blood your stools (faeces) may a sign bowel. If you've already had colon cancer or adenomatous polyps, you have a greater risk of colon cancer in the future. Inflammatory intestinal conditions. Chronic inflammatory diseases of the colon, such as ulcerative colitis and Crohn's disease, can increase your risk of colon cancer. Query: how do you detect colon cancer


Output: An examination of entire colon using a long, flexible tube equipped with a camera colonoscopy is one way to detect colon cancer and polyps.


