What is PCM? What is Professional Crisis Management #behavior #analysts, #board #certified #behavior #analysts, #behavior


#

What is PCM?

PCM is an advanced system of crisis management. Unlike other methods that teach intervention techniques only after individuals have become non-compliant, agitated or aggressive, PCM focuses primarily on prevention before a crisis occurs. PCM includes Crisis Prevention, Crisis De-escalation, Crisis Intervention, and Post-Crisis Intervention components. PCM utilizes “hands on” competency-based training and written tests to certify that individuals who receive instruction in PCM reach the highest level of skill acquisition. PCM is the only complete crisis management system available that can guarantee successful prevention and intervention with maximum safety, increased dignity and total effectiveness.

The best way to handle a crisis situation is to prevent it before it happens!

The crisis prevention component of the PCM system teaches a wide range of nonphysical and verbal strategies for the prevention of crisis situations. Since PCM is based on a teaching and learning model, it integrates smoothly as well as complements and strengthens your existing teaching and treatment strategies. Furthermore, throughout the PCM course, an emphasis is placed on the importance of individual choice and basic human rights.

The PCM system is based on a cognitive-behavioral model of intervention that utilizes established research based techniques for verbally de-escalating disruptive and aggressive behaviors. The PCM de-escalation component benefits from the groundwork established during the prevention process. During the PCM training course, participants acquire skills that enable them to quickly and safely stabilize an escalating situation before it becomes necessary to physically intervene.

PCM provides individuals with a continuum of painless physical procedures and techniques that can be utilized to intervene in a crisis situation. Specific procedures have been uniquely designed for children, adolescents, and adults. All of the procedures have been designed to maintain human dignity and to completely avoid awkward positioning and physical pain. The PCM training course teaches participants to respect the dignity and value of all human beings and to be sensitive to individual human rights and freedoms.

The PCM course teaches participants various methods of interacting (verbally) following the implementation of crisis intervention. Specific content for post-crisis intervention counseling is presented and practiced at all training courses. Participants gain skills that enable them to quickly reintegrate individuals back to their regular teaching or treatment activities. Participants obtain training in how to conduct post-crisis analysis which includes ways of improving future interactions in crisis situations.


LUKE SHORT, GAMBLER AND GUNFIGHTER #dodge #city, #kansas, #dodge #city #peace #commission, #lawman, #lawmen, #gunfighters,


#

Luke Short was grabbed from behind and pulled off the boardwalk in front of the Oriental Saloon. He whirled and saw Charlie Storms beginning to draw. Luke pulled his short barreled Colt and fired. The .45 caliber bullet slammed into Storms’ heart, blew him backwards, and set his shirt afire. Luke shot him again as he went down.
He stood there a moment looking down at Storms, then turned to Masterson. You sure as hell pick some of the damnedest people for friends, Bat!

Luke Short, Tombstone, Arizona Territory Feb. 25, 1881

Almost all historians have depicted Luke Short as a citified dandy gambler, probably because so little was known about his early years, but Wayne Short, Luke’s great-nephew has changed that view with his new biography.

Luke, who left home at thirteen after cutting up the school bully, indeed, was fastidious in his dress, but for six years he was a thirty dollar-a-month cowhand on the dangerous longhorn drives from Texas to the Kansas rail towns. He hunted buffalo for their hides during the heydays of 1874-75, scouted and rode dispatch for General Crook and Major Thornburgh during the Sioux and Cheyenne uprising of 1876-78, traded with the Sioux and Cheyenne around Camp Robinson in northwestern Nebraska and finally was arrested for trading whiskey to the Indians for buffalo robes.

He escaped from the army escort which was taking him to Omaha on the train and made his way to Denver and never worked again except as a high rolling professional gambler in the cowtowns and mining camps all over the west. He was no slouch with a six-shooter, either. This enigmatic man was close friends with Bat Masterson and Wyatt Earp and shot it out with some of the deadliest gunmen of that era.

“They called him ‘The Undertaker’s Friend,’ because he shot ’em where it didn’t show.”—Stewart H. Holbrook

Luke Short: A Biography
This is the first full biography of the famous gambler, and his story is told by his great-nephew, Wayne Short.

Here is what two reviews said about “Luke Short: A Biography”:

“Luke Short: A Biography” is an immensely readable account not just of the adventure-packed life of its subject — one that was brief even for its times; he was 39 when he died in 1893 — but of the period in which he lived. A friend of Wyatt Earp and Bat Masterson, and a veteran of the Dodge City Saloon War, Luke Short roamed the West working a variety of jobs. He killed a man in Tombstone in 1881.

Wayne Short has worked with family records and recollections as well as published documents to chronicle his colorful relative. In an earlier biography for which Wayne Short supplied data, the author wrote, “Luke Short’s personal tragedy was that in less than 40 years he outlived his times.”

J.C. Martin
The Arizona Daily Star

“Wayne Short, the author who gave us those great Alaskan books: “The Cheechakoes,” “This Raw Land,” and “Albie, and Billy the Sky-Pilot” is back with a biography of his great-uncle, the famous Old West gambler and gunfighter, Luke Short. I rate the book a masterful job. It not only is the adventurous story of one man’s life, but also a social and economic comment of the period in which Luke Short lived, 1854-1893. Well done!”

Robert N. DeArmond
Historian, author, former editor of
Alaska Magazine and the Alaskan Journal

Wayne Short comes from a long line of pioneering people. In 1859, his great grandfather crowded his large family into ox-drawn wagons and headed West. They finally settled on the Red River in Texas where they farmed and fought Comanches and Kiowas. Most of this indomitable little man’s sons grew to be cattlemen, but one, Luke Short, sought out the boomtowns of the West and became one of the most well-known gamblers and gunfighters of that era.

The next two generations of Shorts turned west and north seeking new country and Wayne Short was born in Nadaburg, Arizona seventy years ago. He served in the Navy’s amphibious forces during World War II and made the invasions of Iwo Jima, Okinawa, and the Philippines. He and his parents and two brothers moved to an isolated island in Southeastern Alaska in 1946 where Wayne learned to fish commercially and live off the land. Mr. Short has worked as a trapper, bounty hunter, cannery tender skipper, carpenter, shipwright, steam engineer, and commercial fisherman.

In 1954, Wayne brought his bride, Barbara, north to share their isolated life. They now have five sons and five grandchildren. Wayne has been writing and selling short stories, articles, and books for thirty-five years. Many of his stories tell of the remarkable but true stories of the adventures he and his family shared in Alaska. His latest dream was to research and write about his great uncle, Luke Short, the notorious Arizona Territory gambler and gunfighter who was a friend of men like Wyatt Earp and Bat Masterson. In order to do the proper research, Wayne and Barbara moved to Tombstone, and in 1996, Luke Short: a Biography, became a reality.

This site provided by:

Devil’s Thumb Press


Bible Study on James ~ Introduction and 8 Lessons #god, #lord, #jesus, #christ, #holy #spirit,


#

James – Faith for Living
�Proverbs of the New Testament�

A Sure Sign of Life
The book of James, controversial because of its emphasis on �good works,� is perhaps best understood through the analogy of motion. In both the physical realm as well as the spiritual realm, where there is life there will be motion.
When a person becomes a Christian, new life begins, and inevitably that life must express itself through �spiritual motion,� or good deeds. In James’ words, �What good is it. if a man claims to have faith but has no deeds?� (2:14)
Movement does not cause life, but it does inevitably follow life. It is a sure sign that life is present. Similarly, genuine faith in Christ should always result in actions that demonstrate faith.

Does James Contradict Paul?
James is not writing about how to become a Christian, but rather how to act like one. Having all the correct beliefs about God will hardly suffice: even demons believe in God. Real, life-giving faith should produce motion, and James minces no words in describing the specific spiritual actions expected of Christians.
Christian thinkers, notably Martin Luther, have struggled to reconcile the message of James with that of Paul, who so firmly warned against slavish legalism. But Paul never belittled holy living. When he wrote to carousers, such as his letter to the Corinthians, he railed against immorality as strongly as James.
Evidently, James’ readers were not even flirting with legalism. They lived at the other extreme, ignoring the laws that God had clearly revealed. James had a simple remedy: “Do not merely listen to the word. Do what it says.” (1:22)

Straight to the Point
Unlike the apostle Paul, James was no urbane man of letters. He was a simple, homespun preacher, perturbed at people who were not living right. His letter covers a wide range of topics, applying the Christian faith to specific problems, and commanding readers to live out their beliefs.
Be humble! James orders. Submit to God! Stop sinning! James is as forthright as an Old Testament prophet; it is hard to miss his point.
Modern readers of James face the same dilemma as the first recipients of this unsettling letter. His words are easy enough to understand, but are we doing as he says? What kind of motion characterizes our spiritual lives? As Luther himself said, “You are saved by faith alone, but if faith is alone, it is not faith.”
As leader of the headquarters church in Jerusalem, James knew how to speak with authority. You don’t have to look for hidden meanings in this book. James tells you clearly how you should act in 54 direct commands. Note that many of these have parallels to Jesus’ Sermon on the Mount. As you study these verses, keep in mind the diverse audience he was addressing which included the rich and the poor. Note, too, his “asides” to specific groups.

Leading a Bible Study of James
If you plan to lead a group in studying James, I recommend you look over the handout and scripture verses, and allow yourself some time to delve into the leader s guide.
I ve found with my groups that each lesson or discussion takes about 45 minutes to go through. I ve also found that people can get passionately involved in these lessons and they can easily run much longer if the leader doesn t keep things moving along. For most of the lessons, there is a supplemental sheet of questions for discussion in small groups. (My main group is fairly large, about 25 men, and we break up after the main lesson into small groups of 3 to 5 men each.)
You ll find that many of the questions are designed to be a springboard to further discussion and there is often no truly right or wrong answer. If you have questions or comments, please use the Send Mail button on the menu below. I guarantee that I will read your comments, however, as this web site gets more than 3,000 visitors per day, I can t possibly answer every one.
In response to your requests, these studies are in Adobe PDF format, so they can easily be printed out. The first file is the handout for the group which also includes supplementary questions for small group discussion. The Leader s Guides (3-4 pages) have answers to the questions and related scripture verses, generally NIV. If you cannot read PDF files, click to download Adobe Reader. Please note that the studies below are minor revisions to those the original studies on James that I posted in 2003.
David Ahl, October 2010
BIBLE STUDY LESSONS ON JAMES

  • James 1:1-18 – Handout (Questions) o Leader’s Guide (Answers)
  • James 1:19-27 – Handout (Questions) o Leader’s Guide (Answers)
  • James 2:1-13 – Handout (Questions) o Leader’s Guide (Answers)
  • James 2:14-26 – Handout (Questions) o Leader’s Guide (Answers)
  • James 3:1-12 – Handout (Questions) o Leader’s Guide (Answers)
  • James 3:13-18 – Handout (Questions) o Leader’s Guide (Answers)
  • James 4:1-12 – Handout (Questions) o Leader’s Guide (Answers)
  • James 4:13-5:6 – Handout (Questions) o Leader’s Guide (Answers)
  • James 5:7-20 – Handout (Questions) o Leader’s Guide (Answers)
  • Quiz Review – Handout (Questions) o Quiz Answers

Bible studies courtesy of www.BibleStudyMen.com


Raymond James Bank #mortgage #rate #trend


#physician mortgage loans

#

Physicians Mortgage Program

A new lending solution for physicians and dentists can help them qualify and purchase more home.

The Physician’s Mortgage Program from Raymond James Bank is designed specifically for licensed medical physicians (MDs), doctors of osteopathy (DOs), doctors of dental medicine (D.M.D. / D.D.S.) and medical residents, interns and fellows who are under contract to begin employment with a hospital, physician’s group or dental practice within 90 days of closing.

The Physicians Mortgage program provides several benefits:

  • Up to 90% financing available for a home purchase 1
  • Established physicians 2 can borrow up to $1,500,000 for new purchase and refinances
  • New physicians 3 can borrow up to $750,000 for new purchase (no refinances)
  • No mortgage insurance required
  • Available in all 50 states

Applicants must have a client relationship with a Raymond James affiliate established prior to closing. To learn more about this program and how it can help you meet your financial needs, please call your Raymond James Bank mortgage consultant .

1 • A $270,000 5/1 adjustable rate mortgage with an initial rate of 2.625% and an annual percentage rate of 2.9343% would have 60 estimated monthly principal and interest payments of $1,084.46. The maximum amount that the interest rate can rise under this program is 5 percentage points, to 7.625%. The monthly payment could rise from $1,084.46 to $1,762.47 in the eighth year. If an escrow account is required or requested, the actual monthly payments will also include amounts for taxes and homeowners insurance. Down payment used in example is 10%.

2 An established physician is a licensed doctor or dentist who has been employed by a hospital, physicians group or dental practice as a nonresident for more than 12 months but less than seven years. Established self-employed physicians in practice for a minimum of two years also are eligible.

3 A new physician is a licensed resident, intern or fellow scheduled to complete a medical residency program or clinical fellowship program who is under contract to begin employment with a hospital, physicians group or dental practice within 90 days of closing on a mortgage or who has been employed as a nonresident for less than 12 months.

Products, terms and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance required if property is located in a designated flood zone of “A” or “V”.

Raymond James Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A. Unless otherwise specified, products purchased from or held at Raymond James Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.


Raymond James Bank #mortgage #leads


#physician mortgage loans

#

Physicians Mortgage Program

A new lending solution for physicians and dentists can help them qualify and purchase more home.

The Physician’s Mortgage Program from Raymond James Bank is designed specifically for licensed medical physicians (MDs), doctors of osteopathy (DOs), doctors of dental medicine (D.M.D. / D.D.S.) and medical residents, interns and fellows who are under contract to begin employment with a hospital, physician’s group or dental practice within 90 days of closing.

The Physicians Mortgage program provides several benefits:

  • Up to 90% financing available for a home purchase 1
  • Established physicians 2 can borrow up to $1,500,000 for new purchase and refinances
  • New physicians 3 can borrow up to $750,000 for new purchase (no refinances)
  • No mortgage insurance required
  • Available in all 50 states

Applicants must have a client relationship with a Raymond James affiliate established prior to closing. To learn more about this program and how it can help you meet your financial needs, please call your Raymond James Bank mortgage consultant .

1 • A $270,000 5/1 adjustable rate mortgage with an initial rate of 2.625% and an annual percentage rate of 2.9343% would have 60 estimated monthly principal and interest payments of $1,084.46. The maximum amount that the interest rate can rise under this program is 5 percentage points, to 7.625%. The monthly payment could rise from $1,084.46 to $1,762.47 in the eighth year. If an escrow account is required or requested, the actual monthly payments will also include amounts for taxes and homeowners insurance. Down payment used in example is 10%.

2 An established physician is a licensed doctor or dentist who has been employed by a hospital, physicians group or dental practice as a nonresident for more than 12 months but less than seven years. Established self-employed physicians in practice for a minimum of two years also are eligible.

3 A new physician is a licensed resident, intern or fellow scheduled to complete a medical residency program or clinical fellowship program who is under contract to begin employment with a hospital, physicians group or dental practice within 90 days of closing on a mortgage or who has been employed as a nonresident for less than 12 months.

Products, terms and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance required if property is located in a designated flood zone of “A” or “V”.

Raymond James Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A. Unless otherwise specified, products purchased from or held at Raymond James Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.


Raymond James Bank #calculating #mortgage


#physician mortgage loans

#

Physicians Mortgage Program

A new lending solution for physicians and dentists can help them qualify and purchase more home.

The Physician’s Mortgage Program from Raymond James Bank is designed specifically for licensed medical physicians (MDs), doctors of osteopathy (DOs), doctors of dental medicine (D.M.D. / D.D.S.) and medical residents, interns and fellows who are under contract to begin employment with a hospital, physician’s group or dental practice within 90 days of closing.

The Physicians Mortgage program provides several benefits:

  • Up to 90% financing available for a home purchase 1
  • Established physicians 2 can borrow up to $1,500,000 for new purchase and refinances
  • New physicians 3 can borrow up to $750,000 for new purchase (no refinances)
  • No mortgage insurance required
  • Available in all 50 states

Applicants must have a client relationship with a Raymond James affiliate established prior to closing. To learn more about this program and how it can help you meet your financial needs, please call your Raymond James Bank mortgage consultant .

1 • A $270,000 5/1 adjustable rate mortgage with an initial rate of 2.625% and an annual percentage rate of 2.9343% would have 60 estimated monthly principal and interest payments of $1,084.46. The maximum amount that the interest rate can rise under this program is 5 percentage points, to 7.625%. The monthly payment could rise from $1,084.46 to $1,762.47 in the eighth year. If an escrow account is required or requested, the actual monthly payments will also include amounts for taxes and homeowners insurance. Down payment used in example is 10%.

2 An established physician is a licensed doctor or dentist who has been employed by a hospital, physicians group or dental practice as a nonresident for more than 12 months but less than seven years. Established self-employed physicians in practice for a minimum of two years also are eligible.

3 A new physician is a licensed resident, intern or fellow scheduled to complete a medical residency program or clinical fellowship program who is under contract to begin employment with a hospital, physicians group or dental practice within 90 days of closing on a mortgage or who has been employed as a nonresident for less than 12 months.

Products, terms and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance required if property is located in a designated flood zone of “A” or “V”.

Raymond James Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A. Unless otherwise specified, products purchased from or held at Raymond James Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.


Raymond James Bank #monthly #mortgage #payment


#physician mortgage loans

#

Physicians Mortgage Program

A new lending solution for physicians and dentists can help them qualify and purchase more home.

The Physician’s Mortgage Program from Raymond James Bank is designed specifically for licensed medical physicians (MDs), doctors of osteopathy (DOs), doctors of dental medicine (D.M.D. / D.D.S.) and medical residents, interns and fellows who are under contract to begin employment with a hospital, physician’s group or dental practice within 90 days of closing.

The Physicians Mortgage program provides several benefits:

  • Up to 90% financing available for a home purchase 1
  • Established physicians 2 can borrow up to $1,500,000 for new purchase and refinances
  • New physicians 3 can borrow up to $750,000 for new purchase (no refinances)
  • No mortgage insurance required
  • Available in all 50 states

Applicants must have a client relationship with a Raymond James affiliate established prior to closing. To learn more about this program and how it can help you meet your financial needs, please call your Raymond James Bank mortgage consultant .

1 • A $270,000 5/1 adjustable rate mortgage with an initial rate of 2.625% and an annual percentage rate of 2.9343% would have 60 estimated monthly principal and interest payments of $1,084.46. The maximum amount that the interest rate can rise under this program is 5 percentage points, to 7.625%. The monthly payment could rise from $1,084.46 to $1,762.47 in the eighth year. If an escrow account is required or requested, the actual monthly payments will also include amounts for taxes and homeowners insurance. Down payment used in example is 10%.

2 An established physician is a licensed doctor or dentist who has been employed by a hospital, physicians group or dental practice as a nonresident for more than 12 months but less than seven years. Established self-employed physicians in practice for a minimum of two years also are eligible.

3 A new physician is a licensed resident, intern or fellow scheduled to complete a medical residency program or clinical fellowship program who is under contract to begin employment with a hospital, physicians group or dental practice within 90 days of closing on a mortgage or who has been employed as a nonresident for less than 12 months.

Products, terms and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance required if property is located in a designated flood zone of “A” or “V”.

Raymond James Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A. Unless otherwise specified, products purchased from or held at Raymond James Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.


Raymond James Bank #mortgage #pre #approval


#physician mortgage loans

#

Physicians Mortgage Program

A new lending solution for physicians and dentists can help them qualify and purchase more home.

The Physician’s Mortgage Program from Raymond James Bank is designed specifically for licensed medical physicians (MDs), doctors of osteopathy (DOs), doctors of dental medicine (D.M.D. / D.D.S.) and medical residents, interns and fellows who are under contract to begin employment with a hospital, physician’s group or dental practice within 90 days of closing.

The Physicians Mortgage program provides several benefits:

  • Up to 90% financing available for a home purchase 1
  • Established physicians 2 can borrow up to $1,500,000 for new purchase and refinances
  • New physicians 3 can borrow up to $750,000 for new purchase (no refinances)
  • No mortgage insurance required
  • Available in all 50 states

Applicants must have a client relationship with a Raymond James affiliate established prior to closing. To learn more about this program and how it can help you meet your financial needs, please call your Raymond James Bank mortgage consultant .

1 • A $270,000 5/1 adjustable rate mortgage with an initial rate of 2.625% and an annual percentage rate of 2.9343% would have 60 estimated monthly principal and interest payments of $1,084.46. The maximum amount that the interest rate can rise under this program is 5 percentage points, to 7.625%. The monthly payment could rise from $1,084.46 to $1,762.47 in the eighth year. If an escrow account is required or requested, the actual monthly payments will also include amounts for taxes and homeowners insurance. Down payment used in example is 10%.

2 An established physician is a licensed doctor or dentist who has been employed by a hospital, physicians group or dental practice as a nonresident for more than 12 months but less than seven years. Established self-employed physicians in practice for a minimum of two years also are eligible.

3 A new physician is a licensed resident, intern or fellow scheduled to complete a medical residency program or clinical fellowship program who is under contract to begin employment with a hospital, physicians group or dental practice within 90 days of closing on a mortgage or who has been employed as a nonresident for less than 12 months.

Products, terms and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance required if property is located in a designated flood zone of “A” or “V”.

Raymond James Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A. Unless otherwise specified, products purchased from or held at Raymond James Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.


Raymond James Bank #mortgage #estimator


#physician mortgage loans

#

Physicians Mortgage Program

A new lending solution for physicians and dentists can help them qualify and purchase more home.

The Physician’s Mortgage Program from Raymond James Bank is designed specifically for licensed medical physicians (MDs), doctors of osteopathy (DOs), doctors of dental medicine (D.M.D. / D.D.S.) and medical residents, interns and fellows who are under contract to begin employment with a hospital, physician’s group or dental practice within 90 days of closing.

The Physicians Mortgage program provides several benefits:

  • Up to 90% financing available for a home purchase 1
  • Established physicians 2 can borrow up to $1,500,000 for new purchase and refinances
  • New physicians 3 can borrow up to $750,000 for new purchase (no refinances)
  • No mortgage insurance required
  • Available in all 50 states

Applicants must have a client relationship with a Raymond James affiliate established prior to closing. To learn more about this program and how it can help you meet your financial needs, please call your Raymond James Bank mortgage consultant .

1 • A $270,000 5/1 adjustable rate mortgage with an initial rate of 2.625% and an annual percentage rate of 2.9343% would have 60 estimated monthly principal and interest payments of $1,084.46. The maximum amount that the interest rate can rise under this program is 5 percentage points, to 7.625%. The monthly payment could rise from $1,084.46 to $1,762.47 in the eighth year. If an escrow account is required or requested, the actual monthly payments will also include amounts for taxes and homeowners insurance. Down payment used in example is 10%.

2 An established physician is a licensed doctor or dentist who has been employed by a hospital, physicians group or dental practice as a nonresident for more than 12 months but less than seven years. Established self-employed physicians in practice for a minimum of two years also are eligible.

3 A new physician is a licensed resident, intern or fellow scheduled to complete a medical residency program or clinical fellowship program who is under contract to begin employment with a hospital, physicians group or dental practice within 90 days of closing on a mortgage or who has been employed as a nonresident for less than 12 months.

Products, terms and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance required if property is located in a designated flood zone of “A” or “V”.

Raymond James Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A. Unless otherwise specified, products purchased from or held at Raymond James Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.