The sole surviving MP3 player from Apple is the iPod touch. It has been one of the most popular products introduced by Apple. It even comes with a marvelous camera and an A8 chip, making it quite a great choice. Here’s what you need to know about the iPod touch currently available in the market.
Five stunning colors
The iPod touch is available in five different colors, ranging from blue to pink, ensuring that there is a choice for everybody. The space grey color is a classic choice for the iPod touch, while the silver remains quite popular among the masses. The gold iPod touch is also an excellent option for people who want a product with a luxurious feel.
The A8 chip of the product comes with Metal technology which helps developers with console-style game designing. This technology is optimized to allow the CPU and GPU to work together. It also has the capacity to process complex visual effects and detailed graphics. The iPod touch has a motion compressor with in-built advanced sensors that improve the touch technology of this device. It also has an accelerometer and a gyroscope. These features help the fitness applications on your iPod touch take accurate measurements.
Additionally, the 4-inch retina display with an 1136×640 resolution enhances your viewing experience.
More power, more portability
This model’s sleek design makes it an ideal companion for your trips, workouts, or for those times when you only want to listen to music. It also offers you a compelling gaming experience and ensures that your photos, music, and games are in one place. In short, it is your one-stop entertainment zone which can be carried with you everywhere.
The price of the iPod touch varies as per the capacity. The 32 GB variant is available for $199 and the 128 GB variant can be bought for $299 approximately. The product is extremely compact with a height of 4.86 inches and width of 2.31 inches. The 4-inch widescreen display, fingerprint-resistant coating, and the 800:1 contrast ratio are other advantages of this product. The iPod touch has an 8 MP camera for capturing memories. It also has ample storage for your music as well as your photos. The camera comes with improved face detection, and the exposure control ensures that your photos are always stunning.
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