They’re relatively new, amazingly advanced, and attractively priced. These five smartphones pack the latest features and cutting-edge technology into an attractive package that won’t cost you an arm and a leg.

• Samsung Galaxy A3, January 2017

If you’re looking for low price cell phones that are laden with the latest in technology, try this Samsung budget blower; it certainly doesn’t disappoint. A sleek metal and glass chassis embrace state-of-the-art hardware and software features like the Octa-Core processor, a 2GB RAM, and the Android Marshmallow that can be upgraded to Nougat.

• Moto G5, March 2017

Furnished with a 13MP autofocus rear camera, 5MP front shooter, 5-inch IPS LCD that supports resolutions of 1080 x 1920 pixels, and a fingerprint sensor, the Moto G5 is the perfect purchase. It hits the right spot when it comes to budget and specs. Equipped with an octa-core processor, 3GB RAM, and 32GB internal memory, the phone delivers a robust performance and is among the best low price cell phones available.

• OnePlus 3T, November 2016

A sizeable 5.5-inch optic AMOLED display, 16MP front and rear cameras, and a 6GB RAM make this device the ultimate multimedia mogul. It has a sleek chassis that encloses the powerful Qualcomm Snapdragon quad-core processor. This processor in lieu with the Android OS facilitates fluid multitasking.

• Honor 5C, May 2016

Huawei brings us the Honor 5C, a competitive player in the world of low price cell phones. Apart from a bright 5.2-inch IPS LCD, 13MP front camera, 2GB RAM, and an octa-core processor, this phone also offers amazing software like the Android 6.0 (upgradeable) and an expandable storage of up to 256GB.

• Sony Xperia E5, June 2016

The classy design of this phone incorporates the beast-like MediaTek quad-core processor, a 1.5GB RAM, and a Mali-T720MP2 GPU. This is backed by a powerful lithium-polymer 2300mAh battery that offers a superb runtime.

Although these are low price cell phones, they offer a performance that packs quite a punch. Try one that best suits your requirements.

One of the amazing treatment options for sleep apnea is the treatment options such as CPAP therapy, where the air is sent via a kind of mask to make the airway open during the time of sleep. Sleep apnea is a common problem which is usually connected with the reduced health and complications like motor vehicle accidents, as well as depression, heart attack, and stroke.

There are several varied methods of treating apnea, which relies upon the cause and the level of apnea. The main aim of treatment is to normalize breathing during the sleep. If you normalize your breathing, you can have several benefits on apnea like eliminating daytime fatigue, as well as removal of unwanted mental health changes due to lack of sleep, and prevention of cardiovascular changes which are caused due to the excessive strain of improper breathing.

Lifestyle modifications are very much essential to normalize the breathing process, and they are the most critical in making the initial treatment, which includes – alcohol cessation, smoking cessation, weight loss, and side sleeping. The following can be some other treatments.

Continuous Positive Airway Pressure (CPAP) Therapy: This is said to be the frontline treatment for treating the OSA that keeps the airway open by offering a constant stream of positive pressure air via a mask.

Surgery: There are various surgical procedures that can widen the airway. While, surgery can be used to stiffen or shrink obstructing tissue, or remove excess tissue or enlarged tonsils. By relying on the surgery extension, procedures can be handled in a doctor’s office or a hospital.

Mandibular Repositioning Device (MRD): This is a custom-made oral appliance that is more suitable for every individual who has a very mild or moderate sleep apnea. This kind of mouthpiece usually holds the jaw in a forward position while sleeping and expand the space behind the tongue. It also assists to keep the upper airway open, which prevents apneas and snoring.

Some people face lots of hurdles using CPAP and stop the treatment before you get any benefit. However, there are several measures which can be considered to make the equipment more comfortable to use and adjust accordingly. The mask, as well as its settings, can be easily changed, and add moisture to the air which flows via the mask and relieves the nasal symptoms.

Senior cell phones have made life and communicating easier for seniors. Somehow seniors are apprehensive about learning new technology or using smartphones. Senior cell phones are made and designed for such people so that they are easy to use and manage.

One of the biggest criteria for selecting a senior phone is the features and ease of using it. These senior cell phones are not fancy or imbibed with latest technologies, but very simple and useful. One of the basic and important reasons seniors need cell phones is to stay in touch. Gone are the days when landlines and telephones were used. Seniors find it hard to connect to smartphones because of their constantly changing technologies and confusing and tiny buttons.

Cell phones for seniors are handy and seniors need it in case of an emergency or for some help in finding their way. Wireless carriers have launched cell phones and plans which are suitable for their lifestyle. Jitterbug, a Samsung product, is very compatible and one of the most preferred cell phones for seniors.

So what makes senior cell phones so different?

Senior cell phones are not like any other normal cell phone. As they are constructed keeping in mind the needs and requirements of elders and seniors, they are sturdy, reliable, and come with minimum features.

Features that make senior cell phones special are:

• Bright screens that allow for proper viewing.
• Large buttons for easy dialing.
• Louder sounds for easy hearing.
• Call direct features like one-touch dialing.

Jitterbug is a great device that works best for seniors. Other wireless carriers have followed the suit and have made their version of cell phones for seniors.All senior cell phones come with accessories like:

• Hands-free devices
• Battery charger
• Phone case
• Belt clip.

Senior cell phone plans are also flexible. In case any senior wants to opt for talking plan or data plan, then they have the option to do that. Senior cell phone plans eliminates monthly cost, contract charges, roaming fees and over minutes charges

Prepaid plans work out for seniors who want to monitor their usage and want control over their data used.

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.

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.

Part time jobs are the newest rage in the industry. People willing to work from home or want to make some extra money on the side while pursuing their education are taking up part time jobs which are now more industry and profile specific.

Here are a few reasons why you should take up a part time job

Compensation makes a difference: Part time jobs are high paying and a great source of income for people who can spare a few hours every day, taken out from their already busy schedule. Earning income not only motivates, but also boosts self-confidence, makes you responsible and gives you a sense of satisfaction when you spend it at the end of the day. You don’t have to rely on anyone for your needs.

Experience matters: Students who take up part time jobs learn to be responsible, manage their time well and gain experience in one way or the other. They learn to multi task having to concentrate on both their job as well as studies.

Financial assistance: Taking up a high paying part time job also helps the family financially, since there is added income in the household. Part timers manage to take care of their expenses and at the same time contribute to the household as well. A sense of caring and responsibility is developed, improving relationships.

Insight: Young students can gain insight into the industry they want to pursue, which acts as a bonus when they go for work full time after completing their education. The work experience also helps at the time of appraisals and increments, increasing your chances for better incentives.

Multiple opportunities: Part timers can explore their interests simultaneously while making enough money to support their families. The extra time after work gives them ample opportunities to do more than just one job. Part timers can take up various activities related to their passion, making money at the same time.

Health benefits: Unlike jobs which require constant attention and concentration, a high paying part time job offers the flexibility in terms of time as well as workload. There are no daily deadlines to meet, stress levels compared to people who work full time are less and health in general is not compromised.

Overall, taking up a high paying part time job is a win-win situation in many ways. There are more and more opportunities available to work from home through portals on major job sites.

Incorporated in 1926, Stihl is a popular chainsaw and leaf blower producer giant from Germany. The company is named after its founder, Andreas Stihl who designed the first electric powered chainsaw. In 1974, Stihl opened its subsidiary in the United States which has its current headquarters in Virginia. Apart from chainsaws and leaf blowers, Stihl offers a wide array of products such as trimmers, brush cutters, gasoline-powered lawn edgers, weed eaters, weed cutters, portable sawmills, lawn mowers, and lawn tractors and other power equipment and tools.

Stihl power equipment and outdoor accessories have been engineered to assist landscaping. The company’s high quality and innovative products make it the most favored brand even after so many years of its inception. You can browse the extensive range of Stihl’s power equipment through its online catalog. The tools sales on various online sites provide great deals that might not be available at exclusive stores.

Stihl leaf blowers are particularly designed for cleaning purposes and work with the help of gas or electricity. These comprise of a nozzle that releases air with the purpose of moving leaves and other weeds and garden waste. At Stihl, a leaf blower is available in the form of homeowner blowers, professional blowers, battery blowers, and electric blowers. It also offers a shredder vac which works both as a shredder and garden blower. Blower accessories such as hip belt and vacuum kit add to the convenience of the user.

This portable sawmill takes no time in converting logs into lumber. However, the drying part is not performed by the portable sawmill. At Stihl, the chainsaw is also used in the portable sawmill called the Alaskan mill. Similarly, as the name suggests, weed eaters and weed whackers are power equipment employed to get rid of weeds. They provide a final touch up after a session of mowing. Brushcutters, on the other hand, provide detailed trimming of the garden. Gas lawn edgers give a spick and span look to your sidewalks. If you want a complete environment-friendly option, you can choose electric brush cutters and lawn edgers.