Buying a smartphone has become an expensive ordeal. With each year comes new complicated technology, making these devices more high-end and out of reach. That said, buying a smartphone doesn’t have to burn a hole in your pocket. There are still some cheap smartphones in the market that cater to most people’s needs. Consider buying these if you’re on a budget.
Google pixel 4A
With smart specs and looks, the Google Pixel 4A makes for an excellent purchase for anyone looking for a cheap but good-quality smartphone. It is priced at approximately $350 online. The phone comes with a 12MP dual-pixel camera with features like Live HDR+ and Night Sight to make your pictures look gorgeous. It is powered by Snapdragon 730G8, and the OLED screen and a battery that lasts all day long make this smartphone a great buy.
Motorola Moto G Play
Priced at $170 for 32GB, this smartphone is definitely one of the cheapest you can buy on a budget. It has 3GB RAM that keeps applications running smoothly and comes with a battery that lasts for up to 3 days. Plus, the 13MP camera takes clear pictures. If 32GB is not enough space for your requirements, you can always add up to 512 GB to the storage space using the microSD card slot.
TCL 10 5G UW
A smartphone with a 5G connection and a battery that lasts all day on a single charge? The TCL 10 5G UW is your affordable option in this category. It’s priced at around $300 online, but you can always look for exclusive deals with certain e-commerce websites. And if you like clicking photos, the 48MP camera captures great details, and night mode allows you to take up to 3x brighter photos in low-light conditions.
Apple iPhone SE 64GB
An ioS lover but the high price range keeping you from buying an iPhone? The SE models make it possible for most to buy into the Apple product dream. They are beautifully designed and run on state-of-the-art tech. The Apple iPhone SE comes with a 12MP rear camera and 7MP front camera, and the 4.7-inch display makes it easy to hold in one hand. And no, the quality of the screen has not been tampered with at all. It’s still bright, clear, and vibrant. You can get good deals on this cheap smartphone and buy it online for under $400.
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