Think of traveling and the first thing that comes to our mind is luggage and packing. Given below are few travel accessories which will make your life easier and organized.
Four USB roll-up travel charger by Restoration Hardware
It is a portable charger which has four charging outlets on a single bar that rolls up into a slip-proof polyurethane mat. It is priced at around $49.
Self Sealing Dry Bag by Travelon
It is a dry bag made of PVC material. It has a capacity of eight liters. It is self sealing and waterproof. It is perfect for water sports, outdoor activities, and camping.
Grid It Accessory Organizer
This accessory organizer easily fits into most luggage bags and cases. It comprises a rubberized woven elastic object retention system to facilitate gadget organization. It is ideal for organizing personal items like smartphones and other digital devices. It has been devised to keep objects settled in one place and is priced at around $23.
Flight 001 Shoe bags
These are shoe bags meant for keeping soiled shoes separate from clothes. Its treated fabric helps in preventing stains and foot odor from spreading throughout the suitcase.
Magic Mosaic Travel Pillow with Eyemask
These travel pillows are made from soft plush and polyester filling, designed to make your travel experience comfortable. It also comes with an eye mask to ensure disturbance-free sleep during the journey.
Magellan’s In Transit Convertible Pants
Magellan’s In Transit Convertible Pants are made of comfortable fabric and fit, made for women on the move. These convertible pants feature roll-up tabbed cuffs to convert to Capri length, elasticized waist, side seam zip pockets, and back pockets. It is available in five sizes.
Magellan’s Luxe Inflatable Seat Cushion
Luxe Inflatable Seat Cushion inflates with just a few breaths to your perfect comfort level. It relieves the pressure on your spine during long flights and automobile trips. It creates a gentle cushion of air which you can adjust to your ideal level of softness and support. To ease the process of cleaning the cushion, the cover made of mesh as well as microsuede can be simply taken off. The pillow packs into a compact carrying pouch, which can easily fit into your traveling bag.
Memory Foam Comfort Kollar
Memory Foam Comfort Kollar is the right choice for comfort while sleeping upright while traveling. It is made of extremely soft viscose and memory foam core. It has a contoured shoulder area, tapered back and beveled jawline. It supports the head and neck in 360-degree comfort so that you awaken rested and refreshed.
Magellan’s Jersey Travel Blanket
This travel blanket is made of soft breathable poly/ cotton blend fabric. It provides extra warmth in chilly airplane cabins, air-conditioned taxi cabs, and restaurants. Its compact pouch makes it easy to pack and store when not in use, thus making it travel-friendly.
Occles Ultimate Eyeshades
These durable and lightweight eye shades block out 100 percent of the light, minimizing external distractions and allowing you to get sound sleep. It comes with a bridgeless design with soft rubber eye pads for comfort. Its flexible contoured band can drape around your neck when not in use. It is made of nylon/ ABS plastic. These eyeshades come with an adjustable fit. Occles Utlimate Eyeshades are priced at around $20.
Forenkla Carry On Bag on Wheels and Backpack
Forenkla bags are packed with smart functions to simplify commuting and shorter travel, designed for people on the go. It contains one small backpack that can be easily attached to the outside of the carry on bag. The smaller backpack has features like a laptop compartment and an extra outer pocket to keep things like passport, tickets etc handy. The bag is made of polyester fabric. The zipper is made of brass and the handle is made of polypropylene and aluminum. It is great value for money at around $49.
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