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Typically, a new mortgage borrower would apply for what's called a "rate lock, " often after the home they are purchasing has been appraised and inspected, to protect from market fluctuations until they close on the home. On refinances, borrowers usually lock their rate after their home's appraisal is finalized. Most lenders will not charge to guarantee a rate for periods of 30, 45 or 60 days. Longer rate locks often cost extra for the borrower, though recently, some lenders have begun offering free, extended lock periods to cope with the surge in volatility and demand due to the coronavirus. "Borrowers often worry that by locking in too early, they may miss the opportunity for a better rate before they complete a purchase or that they will have to pay extra to extend the lock to prevent it from expiring, " says Viral Shah, head of financial products at mortgage lender "Conversely, some borrowers fear market volatility and lock in their rates as early as possible. " Despite these worries, most experts say rate locks are still a smart idea—as long as you've secured a rate you're comfortable with and can afford.
RingCentral offers 4 different subscription plans, namely, Essentials, Standard, Premium, and Ultimate. Each of them varies in pricing and features. However, it has also got a free trial version for every plan to help you go through its features before paying the subscription fees. 2. Jive Jive is a feature-rich business phone system provider and is the most affordable option for your organization. It is hosted on Jive cloud, easy to set up, and runs on any device. With its robust call features, texting, and integrations with CRM systems and other software applications, it helps you improve client interactions. Its basic and advanced unified communications feature sum up to more than 80; thus, empowering you to stay in touch irrespective of where you are in the world. Additionally, it is easily customizable and scalable, i. e. Jive VoIP phone system grows with your business. Jive now also offers video conferencing and video messaging capabilities to make remote working easier. Depending on the number of your users, Jive has different tiered pricing plans.
Cognitive-Behavioral Therapies One of the most common and effective treatments for all addictions is cognitive-behavioral therapies. Marijuana addicts benefit from these as actual actions involved with cognitive behavioral therapies depends on the individual patient and their needs. All of these therapies, however, seek to achieve the same things. The goals of cognitive behavioral therapies in addiction treatment are: to identify thinking and behaviors that contribute to addiction to change these negative behaviors and thoughts wherever possible to teach skills for dealing with thinking and behaviors that cannot be changed Meeting these goals can greatly help people struggling to overcome an addiction to marijuana. Motivational Enhancement Therapy Another common issue faced by many weed addicts is a lack of motivation. This makes it incredibly difficult for them to complete treatment and stop using marijuana. Motivational enhancement therapy helps in this respect. These therapy techniques use rewards, consequences, and interviewing tools in order to help the addict motivate themselves, rather than seeking to provide outside motivation that is often ignored.
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