Have you ever wondered about the genetic makeup of your dog? Why is his fur in an odd pattern? Or why does your dog tilt her head before barking? You may dismiss these as odd quirks of your pet, but often it is their genetic makeup that gives them those little weird habits. If you are curious about your dog’s genetic makeup, you can get home a dog DNA test kit and find out everything about your pet’s family history, identity, and exact breed. Moreover, such tests are useful to know whether your dog is at the risk of any diseases in the future.
There are a number of dog DNA test kits available in the market. How to know which one is the best? Read on to know about some of the most popular dog DNA test kits preferred by many dog parents.
Embark Dog DNA Test Kit
This is one of the most popular dogs DNA test kits among pet owners with its highly detailed health screening, paternal and maternal tracing, and a high number of genetic markers. This test is known to be done in as much depth as the DNA test for humans are done. Moreover, this dog DNA test kit has got some of the best reviews on online retail websites like Amazon. The tests include examining for 256 quadrillion genes and for more than 200 dog breeds. Additionally, it also includes a test for detecting wolf or coyote genes. Furthermore, the tests will screen your dog for more than 160 diseases and known health issues of dogs. Embark has one of the most responsive customer services. The wait time for test results is 3-7 weeks. The price is around $199.
Wisdom Panel 3.0 Canine DNA Test
For dogs that are of mixed breeds, this is one of the most suitable dog DNA test kits for its biggest breed database. This kit tests for nearly 250 canine breeds, which is nearly 50 breeds more than other kits in the market. It also offers an optional genetic disease screening. This kit combines the traditional DNA test with a disease detection test. The test will screen a dog’s DNA for more than 150 common genetic health conditions in dogs. Moreover, it will also test whether a dog has wolf or coyote genes. The waiting period for test results is 2-3 weeks. The DNA test kit is available for about $80. If the Disease Detection kit is added, the price will be around $150.
HomeDNA Orivet Dog DNA Test and Life Plan
This dog DNA test kit is known to be perfect for new dog parents. It includes a life plan with a customized breed diet, playtime routine, and exercise plan. The HomeDNA Orivet Dog Test kit is known for providing the most overall information and for going past genetic information. The kit tests for more than 220 breeds. Moreover, it also offers a health screening that tests your dog for more than 100 genetic diseases. It also tests for the presence of wolf and coyote genes. The wait time of the test results is around 3 weeks. The price of this dog kit is around $125.
Your guide to getting FHA loan approvalsRead more
A Federal Housing Administration (FHA) loan is a type of mortgage which is insured by the FHA and is considered one of the most affordable and fastest loans to procure.
Simply put, the borrower needs to be approved by the FHA to get this loan. You may then look for different mortgage rates with different FHA-approved lenders. There are plenty of portals which may help you get fast quotes and you may subsequently take the process ahead with any lender whose rates you have found affordable.
Important guidelines to get an FHA loan approval
Discussed below are a few important aspects to keep in mind while applying for an FHA loan.
The credit score requirement to get an FHA loan approval is not stringent. The minimum eligible credit score for the same is 580. Even if you do not have a credit history, your lender will need to evaluate your eligibility, based on a non-traditional merged credit. Some borrowers may require a score of 640-680 to be eligible for this loan.
While this is a guideline set, many lenders also give a loan to people with a credit score of at least 500.
Debt to income ratio
The debt to income ratio is a critical guideline followed by lenders to evaluate the eligibility of a borrower. It is a way in which lenders (even mortgage lenders) calculate a borrower’s ability to repay the debts, considering their regular incomes. The acceptable limit of this ratio is 31:43 to get an FHA loan approval.
Even though getting an approval for an FHA loan seems fairly easy, the real challenge arises in getting two types of mortgage insurances as prerequisites. One insurance needs to be paid fully while the other has to have a provision of being paid in monthly installments.
The minimum down payment required for an FHA loan approval is 3.5%. While the standard rate for down payment runs at 20%, the 3.5% comes as a great relief for borrowers who cannot afford such a high amount.
Other important areas
A lender will look into your employment history, lawful residency in the US, as well as a valid Social Security number (SSN). You would also require to have an appraisal for the property from a verified FHA-approved appraiser.
The other requirements differ from lender to lender, and it is always advisable to gather full information about your verified FHA loan lender before applying for a loan.
3 ways SMA patients and caregivers can maintain a healthy relationshipRead more
The relationship between a person diagnosed with spinal muscular atrophy (SMA) and their caregiver is a two-way street. It is important to remember that both the patient and caregiver have their individual needs that should be communicated clearly. Irrespective of whether the primary caregiver is a parent, friend, or someone who has been hired to take care of the SMA patient, there are a few important things to consider for a healthy relationship between them. Below are three tips for SMA patients to maintain a healthy relationship with their caregivers-
- Informing the caregiver in advance about any schedule changes
SMA patients should remember that their caregivers, whether family, friends or professional caregivers, have their own schedules and needs. One needs to ensure that they don’t make any last-minute changes without informing the caregiver well in advance. A caregiver plans everything according to the SMA patient’s schedule, and any sudden changes might cause problems with the caregiver’s schedule and routine. It is important to remember that the caregiver is likely to have other jobs, people to meet, and other personal errands of their own. Hence, it is essential to inform the caregiver in advance if there are any changes to one’s schedule.
- Conveying one’s needs clearly
If an SMA patient is hiring someone through an agency or via the Internet, it is vital to know that the caregiver has probably had clients with a wide range of needs, levels of independence, and abilities. Hence, it is necessary for the patient to inform the caregiver about what their specific needs are, what tasks they can do, and what tasks they cannot perform. The best way that a caregiver will be able to help a patient properly and cater to all their needs is by just communicating with them. If one is used to doing certain things in a particular manner, let the caregiver know that beforehand so that they are able to do their job thoroughly by keeping their patient’s needs in mind.
- It is okay to have disagreements with the caregiver
When the caregiver is a friend or family member, fights and arguments are inevitable. However, when one has a fight, a confusion, a misunderstanding, or whether there is a simple disagreement with one’s caregiver, one needs to ensure that this tension does not last. It is important to communicate openly and work together towards solving the problem.
- Informing the caregiver in advance about any schedule changes