Need to outfit a bare mattress? A bed-in-a-bag set is your answer. It contains all the basic linens you need to outfit a bare mattress with an exclusion of a mattress pad or mattress topper. A standard bed-in-a-bag ensemble includes a fitted sheet, a flat sheet, and two pillowcases. In addition, it also consists of a comforter or duvet cover and decorative shams. Certain ensembles come with a bed skirt and decorative pillows with matching window valances.
Fairfield Square Collection | Paris Gold Reversible Comforter Sets
Featuring a print containing images of the Eiffel Tower, French script and a local postmark, bring back the memories of France through the Paris Gold Reversible Comforter set by Fairfield Square Collection.
- The set includes a comforter, two shams and two pillowcases (one for twin and twin XL sets), bed skirt, flat sheet, fitted sheet.
- Each of the above-mentioned articles is reversible, therefore, you are buying two sets for the price of one.
- The fabric used in this set is polyester and polyester fill for each item.
- Price set for this set with offers is $27.99 on Macy’s website.
Fairfield Square Collection | Austin 8-Pc. Reversible Bedding Ensembles
Choose a classic pattern from an array of solid stripes with the Austin reversible comforter sets to perk up your bed. The collection features coordinating components and sheet set to give your room a sophisticated look.
- Sets from “Full” to “California King” sets include a comforter, two shams, one fitted sheet, one flat sheet, two pillowcases, and a bed skirt.
- Twin Set of this collection includes a comforter, one standard sham, one fitted sheet, one flat sheet, one pillowcase, and a bed skirt.
- The material used in this entire collection is polyester which is machine washable.
- This collection is priced at $39.99 with the sale offer.
Aurora Comforter Set
Need a sophisticated look for your bedroom? This stunning and appealing flowery design which is gorgeously printed on a blue backdrop features a chain stitch embroidery with a botanic design.
- The decorative pillow features a solid lattice Pintuck design.
- The throw blanket that finishes the set, adds an extra comfort and style.
- The throw blanket is 100% acrylic and knitted with a light chevron design that is finished with fringes on both ends.
- This 8 piece set a pair of matching euro shams and a pair of two-tone bed pillow shams. Also included are 2 decorative pillows.
- The price set for this set is $147.99 by Wayfair.
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