If you’re in the market for a vehicle, you can pick from various manufacturers offering several makes and numerous price brackets. But if you’re looking specifically for premium segment vehicles, there’s only a handful of brands available. Dodge is well known for making luxurious, powerful, and comfortable muscle cars and SUVs. So if you want to buy a brand-new car or upgrade to a premium vehicle, here are the options you could look into.
If you’re a muscle car enthusiast, the Dodge Charger is worth looking into. The base variant of the Dodge Charger starts at about $33,000, going up to $90,000 for the top model. Additional accessories and features may also bump up the price tag. The base model of the muscle car has a standard 3.6L V6 24V VVT engine, which can produce up to 300 hp and torque up to 200 lb-ft. But you could also check out other models of the Dodge Charger that come with a 6.2L HEMI ® High-Output SRT V8 Engine. The powerful component lets the beast of a vehicle church up to 807 hp and about 707 lb-ft of torque. And if you are going to drive around with that kind of power, you also want to be safe. The manufacturer does not disappoint on this front and has included a range of safety features, including Full-Speed Forward Collision Warning with Active Braking, Lanesense® Lane Departure Warning With Lane Keep Assist, and Blind Spot Monitoring. Even the interiors come with the latest technology, such as a 7-inch Driver Information Digital Cluster Display, a performance shifter, and an available Uconnect® 4C NAV, including the available SiriusXM Guardian™.
The Dodge Hornet is one of the most competitive automobiles in the subcompact crossover SUV market. It comes standard with AWD and a nine-speed automatic transmission. The Hornet also has a 2.0L Hurricane4 turbo engine capable of churning out about 268 hp and torque of up to 295 lb-ft. The brand also claims that the vehicle could give a fuel economy of about 24 mpg. Dodge additionally offers a hybrid version of the SUV that can generate up to 288 hp and travel all-electric for more than 30 miles. The vehicle is equipped with a KONI (FSD) Frequency Selective Damping Suspension, which uses a passive spring and bypass valve system. The setup helps absorb shock when you drive so that the ride experience is significantly smoother on unpredictable roads. The vehicle also includes a range of parking assistance features, automatic high beams, and rain-sensing wipers. Apart from modern entertainment features, Dodge has equipped the subcompact SUV with a Harman Kardon® Premium Audio System so that you and others in the vehicle can enjoy music or podcasts while on the move. If you are planning on purchasing the vehicle, you should know that the Hornet starts as low as $30,000.
While there are not many SUVs that offer immense horsepower and towing capacity, the Dodge Durango is an exception. The vehicle flexes a standard Supercharged 6.2L HEMI® V8 engine that makes about 710 hp and up to 645 lb-ft of torque. These specifications make it one of the quickest standard three-row SUVs in the market. Higher models of Durango can haul up to 8,700 pounds with ease. An SUV needs to be comfortable and spacious, and Dodge has excelled in this department. The brand offers more than 50 seat configurations, up to seven seats, and 60/40 split-folding third-row bench seats to create more storage space in the cargo trunk. Dodge also offers an available Uconnect® 10.1-inch touchscreen with the Durango to make it easier to access the infotainment features of the car. You could also go for the available second-row center console on select models that features USB ports, climate control, and a 115-volt outlet. These additions could make passengers feel more comfortable when they ride in the back. The Dodge Durango starts at about $40,000. But if you want one with all the bells and whistles, you could expect to pay well over $100,000 for the premium SUV.
Another muscle car from the brand, much loved by muscle enthusiasts, is the Dodge Challenger. The vehicle starts at about $31,000, while the top variant trim may cost over $90,000. The standard model includes a 3.6L Pentastar® V6 engine that boasts around 303 hp and a TorqueFlite® eight-speed automatic transmission. But if you are looking for a superior, punchier engine, know that the Supercharged 6.2L High-Output HEMI® V8 option carried out this job to the T. The component churns out up to 807 hp and about 707 lb-ft of torque based on the trim you pick. On the safety front, the Dodge Challenger has a standard set of multistage driver and front passenger airbags, supplemental front and rear side-curtain airbags, and front seat-mounted side airbags. As for entertainment in the car, you get a standard set of features such as radio, CD, speakers, and voice-activated audio control. The Dodge Challenger also features Apple CarPlay® support, AndroidAuto™ compatibility. You can also opt for the available 8.4-inch Uconnect® touchscreen that is also equipped with navigation features.
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