ROBERT COOPERSTEIN, MA, DC
Palmer College of Chiropractic West
Diversified Technique: Core of Chiropractic or "Just Another Technique System"?
Not surprisingly, the term "diversified" has been subject to diverse interpretations in the chiropractic milieu, to the point that it is not even clear whether or not the word should be capitalized. For some individuals, "diversified" is an adjective, in the sense of "eclectic," whereas for others, "diversified" is a noun, representing the name of a specific chiropractic technique system. The issue cannot be explained away as mere semantics, in that the differences in usage underscore divergent historical legacies. The use of the term "diversified" has ranged from an expansive descriptor of the core of things chiropractic, all the way to a restrictive label for just another named chiropractic technique. Qua core of chiropractic, diversified technique is too global to succinctly describe whereas as a named technique, it is too eclectic to distinctly describe. Diversified chiropractic technique is like a close friend with a somewhat fuzzy past, whose true identity must remain unknown until that past is known.
Dye AA: The Evolution of Chiropractic -- Its Discovery and Development. PA: Dye, 1939.
Chiropractic care in Seattle, is that the natural alternative for those that wish to be their best whereas avoiding medication and surgery
A thorough examination
The medical approach puts chemicals into your blood to vary the means your body works. Laxatives to hurry up elimination. Antacids to scale back abdomen acid. Besides the facet effects, potential urinary organ harm and fatal mistakes, medication usually ignore the important explanation for the matter.
Borrowers exploring their options with the VA loan program Bellevue will learn that the Department of Veterans Affairs will not guaranty loans that restrict the borrower's ability to sell or dispose of the property. Any condo, duplex, or other community-property arrangement must not have bylaws or association agreements that would prevent the VA borrower from freely selling that property.
Some condo projects have a clause in their association paperwork or other agreements, known as the "right of first refusal." This clause can be trouble for those who want to get a condo project on the VA approved list. However, there are some cases where something may be viewed as a title restriction that may not necessarily interfere with the VA loan process.
According to Chapter Nine of VA Pamphlet 26-7, "VA may guarantee a loan on which a title restriction limits the sale, lease, or occupancy of the dwelling to persons based on age, including a prohibition against the permanent occupancy of the dwelling by children, provided such restriction complies with applicable Federal law." The last portion of that sentence is key.
Also, "VA may refuse to approve a property with an age restriction if its operation would work an undue hardship upon the owner in the case of sudden, unforeseen events or be likely to result in an increased risk of loan default."
Chapter Nine also mentions that title restrictions may not even require VA approval depending on what those restrictions might be. "Title to property involving reasonable encroachments, easements, servitude, and reservations for water, timber, or subsurface rights, generally do not require VA approval. However, they must be taken into consideration in determining reasonable value."
Such restrictions may require additional review by the Department of Veterans Affairs. "If any of these restrictions impact the basic livability of the property, VA approval is required."
And also, "Title conditions or limitations must be shown on the NOV and considered by the appraiser in determining the reasonable value of the property. If the lender discovers, prior to loan closing, title conditions or limitations not shown on the NOV, the lender must have VA review the conditions and determine whether the value assigned to the property is materially affected."
If you are not sure about the effects of a specific title restriction or whether it is allowed or not, contact the VA directly for assistance.
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