Discovery Plus is one of the largest streaming platforms that provide content across categories like business, food, paranormal, science, and history from all over the world. You can stream shows from various devices such as Amazon Fire TV, Apple TV, and Microsoft Xbox One. Discovery Plus also offers subscriptions for all budgets, so there’s something for everyone. Read on to know the various plans.
- Free Trial
Are you unsure about whether or not you will enjoy Discovery Plus? No worries, you can simply try out their 7-day free trial. All you need to do is login and enter your personal and card details. If you enjoy the content and the platform, you can opt for one of the subscriptions mentioned below, or you can cancel the subscription before the last date of streaming.
- Subscription with Ads
Discovery Plus offers subscriptions for people of different budgets. If you do not want to spend too much, you can opt for the $4.99/month subscription. This will allow you to view all the content available on the platform, including new releases and originals. However, there’s a catch. This subscription comes with limited ads. That means that you will see advertisements along with your content. You can upgrade your plan or cancel it whenever you want.
- Subscription without Ads
If you dislike ads and have a decent budget, this subscription is ideal for you. It costs $6.99/month and includes everything that Discovery Plus has to offer, minus the ads. Moreover, you can change the subscription plan whenever you want to do so. Your subscription will be effective from the next date of billing. Moreover, your subscription will renew every month unless you cancel it.
- Free subscriptions with Verizon
Several Verizon users can now get free Discovery Plus subscriptions on their plans. “Do More Unlimited” and “Start Unlimited” plans offer a six-month free subscription with Discovery Plus. Similarly, “Get More Unlimited” and “Play More Unlimited” plans offer a one-year free subscription. People with both new and existing plans can access this offer. After their subscription ends, you will be billed $6.99/month.
- Subscription with Vodafone (UK specific)
Vodafone and Discovery Plus have partnered together to make their content available to Vodafone users in 12 markets. People with subscriptions to Vodafone TV, Fixed Broadband, and Mobile will benefit from this. People who have Sky Broadband’s connection (Sky Q Box only) can also access a 12-month free Discovery Plus trial.
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