RAM 1500 is a full-size pickup truck manufactured by RAM Trucks. First introduced in 1981, the truck has undergone several changes to get to the RAM 1500 model. The trucks are known for their hauling and towing capacities and are extremely popular amongst those catering to these services. But also, the designs have improved drastically over the years, looking exceptionally sleek. Here are some RAM 1500 models for sale near you.
2016 RAM 1500 CREW CAB SPORT PICKUP
This is available for $32,590 and has been driven for 91,324 miles. Some of the vehicle’s highlights include the tow-hitch area with plug, the truck bed, power seat controls, storage console, rear air vents, heated and ventilated front seats, navigation, alloy wheels, and no reported accidents in its driving history. It’s a four-door automatic truck with eight speeds and a mileage count of 15 City/ 21 Hwy. Some of the standard equipment available in the truck includes a long list. It has integrated voice command with Bluetooth, power-adjustable pedals, a Parkview rear backup camera, speed control, a tilt steering column, six speakers, sun visors with illuminated vanity mirrors, and a leather strapped steering wheel. Other features include the heated power mirrors with manual fold-away, fog lamps, body-color grille, rear power sliding window, LED bed lighting, bright rotary shifter, sport tail lamps, sports group, heated seats, and wheel group, overhead console with garage door opener and also power lumbar adjust.
2014 RAM 1500 REGULAR CAB
Driven for 23,136 miles, this truck is priced at $29,990. Some of the specifications that come with the vehicle include the highlighted features like the tow hitch, the bed liner, power seat controls, VIN Barcode, premium wheels, and storage console. This is a 2-door truck with an 8-Cyl, HEMI, 5.7L engine, and 8-speed controls. The average for this vehicle is 13 in the city and 19 on the highway. Some of the standard equipment that comes with the truck include a 12-volt auxiliary power outlet, rearview day and night mirror, power accessory delay, air conditioning, automatic headlamps, tinted glass windows, electronic stability control, speed control, tilt steering column, sentry key theft deterrent system and also six speakers. You may also like other features, like the halogen quad headlamps, black front bumper and grille, behind-the-seat storage, and bin. There’s also a full-size spare tire that you can use during any flat tire emergencies, and it also has supplemental side-curtain front airbags, which keep you safe in case of any minor accidents. The model also has a very convenient front armrest with three cup holders making it very easy to hold your travel beverages without any fear of spill. They come with manual windows and door locks, a step down from the power window feature.
2018 RAM 1500 QUAD CAB
Priced at $29,590 and driven for 29,011 miles, this pickup truck model has highlighted features like a bed liner, tow hitch, VIN barcode, storage console, alloy wheels, Bluetooth, and a backup camera. There is also a hands-free calling option available with this vehicle. According to the vehicle history report, no accidents or damage were reported on the car when two previous owners drove it. It was a personal vehicle, so it was not used commercially. It has a gray interior and exterior, four doors, V6 flex fuel, a 3.6L engine, and an automatic speed with eight gears. Some of the standard equipment for this vehicle include a rear folding seat, halogen quad headlamps, a 26-gallon fuel tank, a black rear bumper, trailer two with four-pin connector wing, and a locking tailgate. Some other standard features, like the automatic headlamps, power front windows with touch-up and down features, and advanced multistage front airbags, make it an extremely safe truck to ride in. There are also supplemental side-curtain front and rear airbags, which keeps the driver and the passenger safe while traveling. There is also a Parkview rear backup camera feature, which makes backing up the vehicle more accessible and efficient.
2022 RAM 1500 CREW CAB
This truck has only been driven for $12,667 miles and is priced at $44,590. The highlight features include lane departure assistance, a backup camera, Bluetooth, and a screen, amongst other things. The car also shows no accident history, making it an undamaged vehicle. Some modern features are available on the vehicle, like the integrated voice command with Bluetooth, advanced multistage front airbags, ready alert braking, electric parking brake, and Ram clean air system. The clean air system ensures that the air quality inside the car is filtered, making it a safe environment even if the outside is dusty and polluted. It also has a sentry key theft deterrent system, which means that if any thief were to hotwire the car, the vehicle would shut down within seconds, making it impossible to move the car without the correct key in proximity.
These are some available options and an average of how they are priced. However, many similar models are available at your nearest car dealership, so always browse the options and make an informed decision.
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Your guide to getting FHA loan approvals
Read moreA 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.Credit score
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.Mortgage insurance
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.Down payment
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.
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3 ways SMA patients and caregivers can maintain a healthy relationship
Read moreThe 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