instruction:
Given a passage and a query based on the passage, generate an unambiguous, concise and simple answer to the query from information in the passage. Note that the answer may not be present in exact form.
question:
preschool age, fine motor skill development is frequently overlooked when the child is an infant or toddler. Just as gross motor skills begin to develop on the first day of life, so do fine motor skills. The following is a brief description of fine motor development from 0 months through 6 years. However, we must remember that newborns, infants, & What If My Child Does Not Yet Have A Dominant Hand? There are differing views on when hand dominance is established, but many experts agree that a consistent hand preference begins to emerge between ages 2 and 4 years, and that most children entering Kindergarten (age 5-6) have established a definite hand preference for using a pencil and scissors. In this photo, the child is reaching over to the left with his right hand. This is called crossing the midline. Before crossing the midline is established, you may have noticed that your young child tends to use the left hand on the left side of the body and the right hand on the right side of the body. Indicators for Hand Dominance. For the most part, babies start off using both hands to do things and preference for one hand or the other seldom manifests before seven to nine months of age. Even then, the preference may not necessarily be permanent. Usually around two years of age there is steady use of one hand in particular, but some four- to six-year-olds may still be ambivalent regarding a dominant hand. Tasks requiring each hand to perform different skilled movements develop during the preschool years and beyond. A majority of children show a preference by age 3 and most by school age, but Dr. Gesell wrote that hand dominance doesn't become well integrated in some normal children until eight or nine years of age (Gesell & Ames, 1947). Handedness is a better (faster or more precise) performance or individual preference for use of a hand, known as the dominant hand; the less capable or less preferred hand is called the non-dominant hand. Men are somewhat more likely to express a strongly dominant left hand than women. People use the hand that they prefer for fine motor skills, as well as other things. A person can be left handed and do most things with that hand, from writing to throwing a ball to brushing their teeth. Other people do only some things with their dominant hand, whether it is right or left. Terms I like to use are 'doing hand' (dominant) and 'helping hand' (supporting hand). Place items in the midline of the child: Place toys or items front and centre of a child so that they have a greater chance to 'select' which hand to use and eliminating a requirement to cross the midline. Handedness is a better (faster or more precise) performance or individual preference for use of a hand, known as the dominant hand; the less capable or less preferred hand is called the nondominant hand. Signs of left-handedness to look out for include: 1 which hand your child uses to hold a spoon when eating. 2 which foot do they prefer to kick with. 3 which hand do they use to hold a crayon or pencil. Query: at which age does hand dominance begin to emerge
answer:
Hand dominance begins to emerge between ages 2 and 4 years.

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If your foreclosure occurred on one of these loans (FHA, VA or USDA), you might face an automatic three-year wait before being eligible for another. Much will depend on whether the default winds up reported to a database that tracks default on federal debt. Getting a VA loan after a foreclosure is possible. Despite their $0 down payment benefit, VA loans have been the most foreclosure-resistant mortgage product for most of the last eight years. Still, some veterans and military members do default on their hard-earned VA home loans. But military borrowers still have a shot at becoming homeowners after a VA home loan foreclosure. Understanding credit and VA loan entitlement are key parts of bouncing back. After Defaulting on a VA Loan. The reality is it's possible to get another VA loan after experiencing a foreclosure, a short sale or a deed-in-lieu of foreclosure. You'll typically need to wait two years in order to pursue a new mortgage. Some lenders, including Veterans United, don't have a waiting period following a short sale in most cases Banks' policies vary, and your lender may require a waiting period of more than two years before financing your new VA loan. If you financed your foreclosed home using a VA loan, you must also repay any losses the government sustained during the foreclosure process before the VA will back your new mortgage. Lenders may have their own in-house requirements on top of that. With a Chapter 7 bankruptcy, the seasoning clock begins when the action is discharged. From that point, you're typically looking at a four-year wait for conventional loans and a two-year wait for either FHA or VA financing. (The FHA's short-term "Back to Work" program offers qualified borrowers the possibility of even swifter movement after both bankruptcy and foreclosure.) Chapter 13 bankruptcies can be a little different. Additional Concerns. Foreclosure is one of the most damaging entries that can appear on your credit report. As a result, you have no guarantee that your credit will recover enough to borrow again after two years. Lender requirements vary, but you must have a credit score of 620 to 680 before you qualify for a VA loan. Your credit must also reflect no late payments over the last 12 months. If you still have credit problems, your waiting period continues until you clear up your credit history enough to meet the VA's requirements. Your credit score is shot and it can be impossible to get credit. Some homeowners, no doubt, believe that the credit score hit is worth getting out from a deeply underwater mortgage. They may owe, say, $500,000 when their house value is only valued at $350,000. And, they figure, there's no way it will ever be worth what they owe so it's better to get out from underneath the burden. A: There is no wait to buy a property per se, as you can always pay with cash. However, if you need financing, the answer is it depends. If you walked away from your last home it could take as long as seven years for you to again be eligible for a new mortgage from Fannie Mae or Freddie Mac, but recent changes after the housing market meltdown may shorten that time considerably. Fannie Mae, Freddie Mac guidelines A foreclosure can knock anywhere from 85 to 160 points from your credit score. VA lenders will also typically require a two-year seasoning period following a foreclosure. Homeowners who lose an FHA loan to foreclosure may need to wait three years before securing a VA home loan. Many veterans are under the impression that having a VA loan foreclosed on means they've automatically lost access to their benefits. If you have gone through a foreclosure, you can get a new FHA mortgage loan after waiting three years. After a Chapter 7 bankruptcy, the waiting period is generally two years. If you file for Chapter 13 bankruptcy, you might be able to get a new FHA mortgage before you complete the plan. In order for a VA borrower to have full entitlement restored after foreclosure, he or she must repay the loss (the guarantied amount) suffered by the VA as a result of the foreclosure before being considered for another VA mortgage. Query: how long do i have to wait after a foreclosure to buy a house va
answer:
VA lenders will also typically require a two-year seasoning period following a foreclosure.

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Luckily, there are a couple of things you can do to hold on to your share of the refund: 1 File Separately. If you file your taxes as married filing separately, you don't have to worry about this issue. 2 Injured Spouse Allocation. Paying down debt can be a smart way to use your tax refund money, and if you're currently going through bankruptcy, your bankruptcy trustee might make that decision for you. Under a Chapter 13 bankruptcy, the bankruptcy trustee can request that the court take your refund and apply it to your debts. Just enter your social security number, filing status, and amount of your refund, and the IRS will tell you the date that you will see your check or direct deposit. It is important to know that the refund arrival estimates are updated every Wednesday and you must wait at least 72 hours after filing to check on the status of your refund. In each of these situations, the IRS should contact you by mail to provide more details and a plan for resolution. 1 You Didn't File Taxes In a Previous Year. 2 Your Spouse Filed an Injured Spouse Allocation Form. 3 You're Currently on a Payment Plan for Back Taxes. If you paper file, it will take three to four weeks for the IRS to process the return and acknowledge your refund. If you e-file, you will get a notice of arrival within 24 hours and confirmation of refund within 72 hours. 4. Request Direct Deposit. Once your tax return is accepted and the refund approved, you can choose to have your money directly deposited in your bank account within a week. If you choose to have a paper check sent through the mail from the IRS, this option will add at least another two weeks to the process. Holding The Refund. 1 You Didn't File Taxes In a Previous Year. If you didn't file your taxes in a prior year, the IRS may hold your refund until you prove that you don't have a tax debt from that year. The only way you can get the IRS to release your refund is if you go ahead and file for that year, or send a letter explaining why you didn't file, and request more time. apparently my husband owes$2000 in back child support, we are suppose to get a refund of over $8,000. I know we will get the remainder, but how long does it take to get my refund? Our return was accepted on January 21st. I should have had it last friday. Can anyone help? If you're in debt, the IRS can automatically seize your tax refund money. Find out the common reasons why this happens, and if you need to worry this year. Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which MoneyCrashers.com receives compensation. How long will it take to get my tax refund? When you file with TurboTax, your tax refunds will arrive as soon as they would with any other tax software or service. Due to IRS security measures, this may take a little longer than it has in the past. At this time, the IRS estimates that most refunds will be sent within 3 weeks after your e-filed returns are accepted. Many refunds will come sooner. Enter your bank account info under Direct Deposit and your refund will be deposited to your account. IAS10825 If you're behind on your state tax bill, the state government can either seize your state refund, or apply to the IRS to seize money from your federal refund. 2. You Owe Child Support. The Federal Government will eventually notice if you are behind on child support payments. Query: how long does it take to get your refund back from the irs if you mail in your return
answer:
IRS estimates that most refunds will be sent within 3 weeks after your e-filed returns are accepted.