
There are several reasons why a healthy breakfast in the morning is the most important meal of the day. It not only helps you maintain weight, but also increases your overall health and well being. It is first meal of the day after a break of 7“8 hours. That makes it the most important meal of the day.
Indulging in a healthy and satisfying breakfast has several advantages. These advantages include improving the digestion and the immune system. However, most people spend the least amount of time on it. In the hurry to rush to school, college, or work, we don’t pay attention to the food they are consuming or sometimes completely skip it.
Here is a list of quick and easy breakfast ideas that are all quick and easy. This way, you won’t be delayed, and you won’t be missing the most important meal of the day either.
Cereal
Cereal is one of the most popular quick and easy breakfast ideas because it is simple and easy to prepare. There are many ways to enjoy cereal without sticking to the regular mix of cereal and milk. For instance, sprinkling finely chopped fruits and dry fruits will make it tastier and healthier. The process will not be time-consuming and should get you through the morning without experiencing any pangs of hunger. Shredded coconut and yogurt topping are also good ideas.
Breakfast on the go
There are days where even five minutes for a decent breakfast is a luxury. You can always pack the breakfast and enjoy it while you commute. You could grab a muffin out of the freezer, pair it up with some hot coffee (thermos to the rescue), and you are good to go. You can also have healthier foods like apples or guavas that are easy to consume and enjoy it on the way.
Breakfasts, ahead of time
Refrigerators are one of the most precious gifts to mankind. They make storing foods from the previous day possible. They also help save a lot of time. You can whip up smoothies and whole grain pancakes the night before and store them in the refrigerator. All that is left for you to do in the morning is to heat it. This way, you won’t miss breakfast and you can make it to work on time.
Leftovers
This is not the healthiest option, but it is better than going out on an empty stomach. If it is one of those days where you can’t make yourself even a quick and easy breakfast, you should make use of the leftovers you couldn’t finish last night. It is very important to make sure that the leftover food is still edible.
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Your guide to getting FHA loan approvals
Read moreA 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.Credit score
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.Mortgage insurance
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.Down payment
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.
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3 ways SMA patients and caregivers can maintain a healthy relationship
Read moreThe 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