Mortgage companies use ratios to analyze your mortgage payment. The housing payment ratio (or front ratio) used in this calculation is 30%. The housing expense, or front ratio, compares your total mortgage payment to your monthly income. The total debt expense ratio (or back ratio) is 36%.This total debt expense, or back ratio, compares your total monthly obligations including your total mortgage payment to your monthly income.he housing payment ratio (or front ratio) used in this calculation is 30%. The housing expense, or front ratio, compares your total mortgage payment to your monthly income. The total debt expense ratio (or back ratio) is 36%.
An optometrist is an eye doctor who has earned the Doctor of Optometry (OD) degree. Optometrists examine eyes for both vision and health problems, and correct refractive errors by prescribing eyeglasses and contact lenses. Some optometrists also provide low vision care and vision therapy.
It is important to keep in mind however, that the field of retina has changed dramatically over the past two decades and continues to evolve very rapidly. Even for a full-time retinal specialist, it is challenging to stay abreast of the newest developments in therapy. Optometrists do not typically provide treatment for retinal diseases. General ophthalmologists may choose to provide treatment for some conditions (for example, diabetic retinopathy).