Pregnancy is one of the best phases of one’s life. It is important to detect pregnancy at the right time so that one can have all the check-ups done and take the necessary precautions. Detecting pregnancy at the right time is a matter of calculations based on your last period and the missed one, as well as the signs and symptoms that come during the first weeks of pregnancy. Apart from a home kit that could test for pregnancy, you can also try an online pregnancy test to find out whether or not you are pregnant. Yet, you will still have to go through a physical test in order to find out whether or not you are pregnant for sure. Here’s how the online pregnancy test works.

• Questions: The test asks you a series of 12 to 14 questions so as to detect your last period and what mode of protection you have been using like condoms, birth control pills and more. Also, the test will seek to find out your ovulation date by asking the first date of your previous period and also the cycle you have. You could have a 25 to 28 day cycle, which differs from woman to woman.
• Symptoms: The test will also ask you questions regarding various symptoms that you may have been experiencing. These can range from a sudden aversion towards various kinds of food and nausea as well as vomiting. Also, bloating in the abdomen region and tenderness of the breasts for a period of a few weeks are considered as symptoms of early pregnancy.
• Results: The online pregnancy will show you the probability of your pregnancy rather than confirming that you are pregnant. Whatever the result be, you will have to see a doctor or take a home based pregnancy test as well so that you can confirm the results. Sometimes, you may be suffering from bloating, pain and light vaginal bleeding as well as missed menstrual cycle due to reasons like an STD or infection. So, it would be best to have the same checked by a doctor too.
• Other tests: You can also calculate other things online like your due date, the status of the pregnancy which will point at the size, weight and other dimensions and development stage of the fetus. Further, this kind of a test will help you in understanding which trimester you are in, and when your trimester dates are. Also, you can calculate the check-ups of your various trimesters so that you do no miss any. But before any of this, it is important to find out whether or not you are pregnant. Also, once it is confirmed that you are pregnant, you will need to then take ample care of yourself in emotional and physical terms so that you can have a healthy and comfortable pregnancy with a well-developed fetus.

A reverse mortgage helps you convert your home equity into funds that may be the need of the hour. It is quite similar to a traditional line of credit that you can avail from banks and financial institutions. As it is with any mortgage, the title of the property remains in your name and you get to enjoy certain additional benefits with a reverse mortgage. The Department of Housing and Urban Development (HUD) commonly offers a Home Equity Conversion Mortgage (HECM) for eligible applicants.

Not everyone can apply for this exclusive line of credit as reverse mortgage eligibility is reserved only for seniors over a certain age.

Reverse mortgage eligibility criteria
Here are the basic requirements to qualify for a reverse mortgage:

• The first requirement is that as a homeowner, you must be over the age of 62 to apply for the line of credit. If your spouse is under the age of 62 but meets certain special criteria mentioned, they can apply for a reverse mortgage subject to the approval terms and conditions.
• The home title should be in your name, which should also be your permanent address for a major part of the calendar year. A reverse mortgage cannot be taken on multi-unit buildings or property that is considered commercial in the eyes of the law. Condos and mobile or manufactured homes that don’t meet the HECM requirements don’t qualify for a reverse mortgage.
• If you are currently paying off the original mortgage taken for the home, you can still apply for a reverse loan. This is subject to you paying off the balance amount before taking up the new debt obligation. Note that banks will consider your application only if they deem that you are in a credible financial position to pay off existing debts before they issue a new loan.
• You must not neglect your duties toward Federal taxes and government aid. If you owe the government, it is expected you pay what these institutions levy on your borrowing. This is one of the more crucial criteria for reverse mortgage eligibility as it reflects the applicant’s credibility. One of the advantages, in this case, is the fact that you can use a reverse mortgage to pay off such an obligation once it is issued.
• Applicants must also be willing to set aside an amount from the funds taken for a reverse mortgage to pay for property taxes, home insurance costs, and even repairs and maintenance.

Once you have met the aforementioned reverse mortgage eligibility criteria, a counseling session is scheduled by an HUD-approved agency. This is done to assess your credibility, review eligibility to confirm the issuance of new funds, and to explain the financial implications of taking up a reverse mortgage.

The post-approval amounts are available to borrowers in the following ways:

• Line of credit where you can access the amount at any given time after submitting a written application.
• Term payments where you receive fixed installments for a fixed tenure.
• Tenure payments where you receive a fixed amount even if the value of the loan surpasses the value of your home.

A favorite addition to a cozy and comfortable living room is investing in the best home cinema system for all your entertainment purposes. Since the entire family will be enjoying movie time together in your living room, a wide screen television and gaming consoles along with a good home theatre and music system will make this a perfect setting to ensure you are making the most of your relaxation time together as a family. So, which are some of the best brands to keep in mind when looking for the best home cinema system? Here’s a quick list to help you decide which home theatre system will work best for your preferences

Sony
Sony offers complete Blu-ray home theatre systems which are also Bluetooth enabled. These come in 5.1 channels where you get five tall boy speakers one subwoofer. Alternately, you can go for another set of 2 tall boy speakers, three smaller speakers, and one subwoofer. The tall boy speakers consist of magnetic fluid which provides superior sound quality and also reduces energy consumption. This entire set gives a full surround sound feel and cinema experience in the comfort of your living room. You can also use the built-in Wi-Fi for movie or music streaming on this home theatre system.

Klipsch
Another great brand to invest in for a home theatre system is Klipsch, which offers a surround 5.1 as well as 7.1 home theatre system and works perfectly for living rooms. These work perfectly for low-frequency boom sounds as well as high-frequency sounds. Unlike the Sony speakers, all the smaller speakers are of the same size which offers seamless music blend. You can also customize the frequencies of the subwoofers to match your preferred levels of bass. The HD 1000 range of Klipsch offers a 10-inch subwoofer for that extra level of bass. The best part about this sound system is that it consumes less electricity and requires less amplifier power.

Fluance
This is a more high-end brand and slightly more expensive in the market. The premium ‘Signature Series’ range includes timber fiber covered speakers in a 5.0 and 7.0 channel range. In 5.0 range, the channels are two tower speakers, two surround sound speakers, and one center channel speaker. Unlike the above two brands, these collections don’t have a separate subwoofer. The tower speakers themselves contain 8-inch woofers which deliver low-frequency bass and boomy sounds in superior and clear sound quality. The cabinets are defined and carefully crafted with MDF wood to reproduce warm sound and music notes without any distortion. The brand also has a collection of compact home theatre sound systems for smaller rooms where the Signature Series might be too big.

It’s not a surprising fact that college education is an expensive investment to make. This is the primary reason why most young students end up opting for jobs straight after high school. But, limited financial resources doesn’t mean that pursuing a college degree is impossible. If you happen to be in a similar situation, there is no need to be perplexed. To help you get organized and started, here are some effective strategies for funding your college degree.

Student loan – The most common remedy for alleviating the burden of college fees is taking loans from financial institutions. Usually, these are offered to students after scrutinizing factors like parent’s or guarantor’s income, academic profiles, and courses applied for. If you have an ideal financial profile, then you may secure a significant amount of loan at a lower rate of interest. However, if this is not the case then, you can consider dropping an application in a co-operative institution or federal programs.

Merit-based scholarships – Almost all the colleges you will be applying too will have a scholarship program based on merit. If you have wonderful grades and an impressive overall performance in high school, they can significantly lower your financial strain by waiving a part amount of your fees. So, ensure that you begin preparing at least a year before the college starts accepting applications. This will give you an upper hand to work on all your areas of weaknesses and help you build a better academic profile.

Scholarships outside college – There are several institutions and corporate companies which offer paying for education if you perfectly fit in the prescribed criteria. Mostly, such scholarships not only take your merit into account but also consider your financial hardships and additional setbacks. These scholarships can be meant for a single discipline of study like engineering, liberal arts, mathematics, etc. or might fund all kinds of college degrees.

Part-time job – Funding your college also involves additional expenses like accommodation, food, books, etc. Therefore, if you can support miscellaneous costs like these by getting a part-time job. Although, in such cases, time management is everything as college schedules can be demanding. So, make sure that you don’t unnecessarily strain yourself by working in long shifts.

Mobility scooters are a good option for people with disabilities or reduced mobility to cover distances that they cannot otherwise manage on their own. These folding mobility scooters help them in getting from one place to another, both indoors and outdoors. The ability to move around on their own gives them a sense of freedom, especially to the ones who are physically dependent on others for everything. A folding mobility scooter which is lightweight and comes with a number of features makes for easy transport while providing comfort and care.

Following are the five best mobility scooters that you can buy at a fair price.

• Apex Brio
  This is a compact scooter that measures 95.5 cm and becomes 43 cms when folded. This scooter ensures safety with its anti-tip wheels. It has double front wheels with high heels on both the front and the back. It is fitted with a portable lithium battery, which makes it a very light set up that just weighs 27 kgs.
• Shoprider Joker
  The Shoprider Joker is a three-wheel mobility scooter which has been specially designed to let people make their way through shopping malls. This scooter has an easy-to-transport battery kit which makes it very light and convenient to use.
• Apex Transformer
  This is a fully-electric four-wheel scooter. It is one-of-a-kind and is probably the best folding mobility scooter available in the market right now. It has a capacity of 300 lbs and comes fitted with a lightweight lithium battery. This battery may go for 13.5 miles on a single/full charge.
• Afiscooter Caddy
  Afiscooter is a compact scooter that has been designed by an Israeli company. It is foldable, simple to use, and fits easily in the car or an airplane. Also, it may be stored away in the house as well. This scooter has an aluminum chassis, which gives it ample strength to carry a person who is on the heavier side.
• Luggie Elite
  The Luggie Elite has a large motor, a bigger seat, a bigger battery, and an LED display. This scooter is a great choice for individuals who prefer to travel long distances using their folding mobility scooters. It comes with standard armrests and is very comfortable to be used for longer period of time.

A mobility scooter is a savior for individuals who cannot walk for their own reasons. These scooters let them enjoy their lives without depending on others for movement. With the latest technologies, these scooters have become versatile and you may easily use one to manage your daily chores.

Facial cleansers are gentle when compared to soap which can remove the natural oils and dry the skin. A facial cleanser is essential for removing dead skin cells, makeup, dirt, oils and other pollutants on the skin. Using facial cleansers would also be an excellent option for removing sebum, dirt, unclogging pores and much more along with above. The best facial cleansers help to prevent skin conditions such as acne. Daily washing your face removes the impurities giving a fresh look on the skin. However, when you do not wash the skin, it will be covered with a layer of dirt which reduces its natural glow.

Choosing the best facial cleanser is important as it could help to achieve radiant and glowing skin. Washing the face or the use of the best facial cleansers not only makes you feel refreshed but is also useful for removing makeup, dirt, and excess oil.

The Difference between a Face Wash and a cleanser:

Both face-wash and cleanser do the same job of cleansing the face. The face wash is a foam base cleaning agent that needs to be washed off whereas the cleanser also called cleansing milk or cleansing lotion are non-foaming that does not need to be washed off. The best facial cleansers need to be wiped off as they contain non-foaming ingredients. On the other hand, face wash needs to be washed with water as it is foamed based.

When Face Wash And Cleanser Can Be Used?

A face wash can be used in the morning or the evening for washing your face. After traveling to or from the office, you could consider using the best facial cleansers for removing the dirt, debris, bacteria or virus from the skin. It is recommended to wash your face minimum two to three times a day. A cleansing lotion can also be used at night before going to sleep to ensure that your face is free from dirt or impurities.

Can a Cleansing Lotion be Used When You Do Not Wear Makeup?

A facial cleansing lotion is recommended when you are exposed to pollution. The use of the best facial cleansers is recommended when using make-up, as in addition to the gentle cleansing that they provide they can also be used to moisturize the skin of the face. Facial cleansers are suited for both sensitive and dry skin. When you have a combination skin type or oily skin, and dry skin caused due to weather conditions, then you could skip using the facial cleanser and only use a face wash.

Which Is Best To Use?

Face washes and cleansers can be used together in a skincare routine but here are some tips that can help you get the most out of these products:

When you have dry skin, the best facial cleansers can be used for keeping the skin feel smooth and soft. They not only clean the skin but moisturize the skin as well.

You can use the best facial cleanser depending on your routine and skin type. If you spend a lot of time traveling, then the using a cleanser frequently is recommended. This would help in removing the dirt and debris on your face which is more important to keep skin disorders at bay. If you do not venture into traffic very often, then you could use a cleanser once a week.

A face wash is recommended for those with oily skin. This will not to reduce the oiliness of the skin and provide it with the nourishment it needs. A face wash can be used daily for washing and cleanse the skin.