Most music fans in the world have either had an Apple iPod or still have one. When the mass favorites, iPod nano and iPod shuffle, were recently discontinued, it only made sense to analyze the history of Apple iPods. They are the best choice for Apple enthusiasts since users get the best of iTunes music blasting in their ears. Therefore, here is all the information you need to have about the journey of Apple iPods.
Apple launched the iPod in the year 2001, and it instantly became the favorite mp3 player of the masses. The initial model had a scroll wheel, which moved mechanically and was quite a popular innovation in those times. Back then it had a storage capacity of 5GB and 10GB. Mr. Vinnie Chieko, the then copywriter of Apple, coined by the term iPod.
Giving way to the second and third generation
The second generation iPod was released in the year 2002 and had three storage variants, which were 5GB, 10GB, and 20GB. Apple removed the manual scroll from the second generation iPod. The third generation iPod did not even have the touch-sensitive wheel. The third-generation iPod was released in the year 2003 and featured the popular 30-pin dock connector. This generation introduced the 10 GB, 15 GB, and 30 GB variants.
Evolving Apple iPod
Minor changes on the Apple iPods continued through the initial years. However, their next product was completely different. iPod mini was meant for people who liked sleek products. It was available in five attractive colors. Because of its compact size, it quickly became a companion for most people who wanted to work out or run while listening to music. The iPod mini brought the click wheel back in vogue too. This style of navigation stayed with Apple until the iPhone started using a different technology.
The fourth-generation iPod in a nutshell
The fourth-generation Apple iPod introduced an expansive storage capacity. It was available in 20 GB as well as 40 GB variants. After this, Apple introduced the beloved iPod shuffle. However, there were a lot of models in between, like the iPod photo, that did not perform exceptionally well as compared to Apple’s competitors in the market. These products gave way to the current model, which is the iPod Touch.
All about the iPod Touch
Introduced in the year 2011, iPod Touch has been one of the most popular music products, and it is sold and adored even today.
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