Our first speaker today was Dr. Dorothy Parrott of Behavioral Vision Care in Lakewood, Colorado. Today Dorothy wanted to talk to us about a equilibrium research study that has been done, in which is has been discovered that your vision and inner ear are one functioning system that deals with balance The vestibulo-ocular reflex is the reflex eye movement that works with filaments in the inner ear to stabilize images on the retina during head movement by producing an eye movement in the direction opposite to head movement, thus preserving the image on the center of the visual field. Since our heads move all the time, the vestibulo-ocular reflex is very important for stabilizing our vision: in patients whose vestibulo-ocular reflex has been impaired find it difficult to read print, because they cannot stabilize the eyes during normal small head tremors. Dr. Parrott stated that children whom have rapid random eye movements can often be diagnosed as having a problem with their vestibulo-ocular reflex. One test that she uses both with children and adults in her office, to identify those with this impairment is to have them stand on a couch cushion. Dr. Parrott uses visual training and works with glasses that have prisms built into the lens that can improve stabilization in her patients. These prisms are used to rehabilitate the vestibulo-ocular reflex and are not a permanent fix. They are used to help the patient through their daily life and while they are going through visual training to repair the impairment. She then passed around a variety of prisms for us to try on, they were entertaining to try on, some where very awkward to keep on.
If you need glasses, vision testing or visual training give Dr. Dorothy Parrott a call and set an appointment today!
Dr. Dorothy Parrott * Behavioral Vision Care * 303.986.9554 * www.behavioralvision.com * dparrott@ behavioralvision.com
Today’s second speaker was Denise Wing from Academy National Mortgage in Lakewood, Colorado. Today Denise wanted to share with use these two list of documents that you should know where they are:
DOCUMENTS NEEDED FOR HOME LOAN
- W-2’s 1-2 most recent years –varies by lender & loan type
- Federal Tax returns 1-2 most recent years (varies by lender & loan type) Lender will pull transcripts from IRS-verify for un-reimbursed business expenses or side businesses.
- Bank statements – (ckg, sav., CDs, etc) most recent within 30 days along with proof of any deposits made that are not from employment
- IRA/401K statements – most recent within 30 days unless cycle quarterly.
- Pay check stubs – 30 days worth & all within the past 30 days
- Liabilities – statements for all debts – needed for acct #s, balance & required payments
- List of real estate owned
- IDs – drivers license, green card, etc.
DOCUMENTS YOU SHOULD HAVE AND KNOW WHERE TO LOCATE THEM AT ANY TIME
This is a list of documents and information that husband, wife and another party should know about. This is true if you are 20 years old or 100 years old.
- Original home loan and purchase/refinance papers
- Credit cards, numbers, copies of front & back so you know where to call in case lost or stolen, passwords (LOCKED UP)
- Bank accounts & statements – acct. numbers, phone numbers, passwords
- Life insurance policies, company name, phone numbers, policy numbers, beneficiaries?
- Tax returns & W-2’s
- Will – do you have one, where is it, who are the beneficiaries?
- Trusts – Medical, living? Do you have them? Where are they kept? Who knows about them?
- Power of Attorney – General, medical, durable? Do you have them? Where are they? Who knows about them?
- Safety Deposit box – where is it, what is the box #, where is the key, who is authorized to open,
- Are there safes at home – where, where is the key, who has access, does anyone know about this?
- What debts do you have – mortgage, cars, credit cards, student loans, department stores, life insurance loans, 401K loans, etc.
- Appliance manuals & warranties
- Do you have medical issues that someone should be aware of – current & past?
- Medications and dosages that you are taking – who knows or should know? Especially important for elderly, when someone is admitted to the hospital & general doctor appointments
- Doctors’ name & number. – Release form giving permission – who is authorized to speak to Dr and receive information?
- Are you an organ donor? Who knows? Is it on your DL?
- Do you own burial plots? Where are they? Are they paid for? Who knows about these?
- Who are your trusted advisors – Real Estate agent, Accountant, financial advisor, insurance agents, friends & relatives that can help in time of need?
- Some of these documents should be kept offsite of the home – in case of fire, etc.
- Information for all this should be kept offsite as well
- If you tell someone where all this information is and you move it – you need to tell that someone where you moved it to.
All of these documents and information are very important, someone should know where they are in case something happens to you. If you are looking to get a home or want to re-finance your current residence Denise Wing of Academy National Mortgage will take care of all those financing needs for you!
Denise Wing * Academy National Mortgage * 303.987.0622 * email@example.com * www.academynational.net