
It is important to feel safe no matter where we are. Safety is one of the most important factors we check before we go anywhere. Therefore, of all the places, the place we need to feel safest is our own home. To make sure we are safe in our house, we invest in the finest locks and doors. However, at times, that is not enough.
With the increase in the number of robberies and other crimes, it is important to go an extra mile to ensure we remain safe in our personal space. This is where home security systems come into the picture.
There are several companies that manufacture products and offer services that ensure your safety within the four walls of your home. One such home security company is called Arlo, which makes security cameras and alarm systems. Below are some of the top products and services that Arlo offers.
Doorbells
With the help of Arlo Audio Doorbell, you can answer your door from anywhere without any hassle. This doorbell lets you stay connected to the entryway activity by giving you instant alerts. You will also receive calls on the connected device (phone or tablet) when someone rings the doorbell. Additionally, the bell allows visitors to leave messages when you are not home.
Wire-free cameras
Arlo comes with three different wire-free cameras namely, Arlo Pro2, Arlo Pro, and Arlo. These cameras are 100% wire-free and give HD-quality output, night vision, and are weather resistant. Additionally, these cameras have motion sensors and send motion alerts as well.
Mobile cameras
The mobile camera called Arlo Go is 100% wire-free. This camera is rechargeable and has a 2-way audio system with a built-in mic and speaker. The Arlo Go can work with Amazon Alexa, the Google assistant, If This Then That (IFTTT), and Stringify.
Powered cameras
These indoor security cameras provide the best solutions for 24/7 surveillance. There are two models in powered cameras, namely, Arlo Q and Arlo Q Plus. These cameras allow you to view live recordings at any time and send you instant emails or mobile alerts whenever there is a motion or audio detected. You can also share some specific audio and video recordings with your family or friends in case they are missing a family or friends get-together.
Baby cameras
The Arlo Baby camera come with lullabies, night light, and air sensors, making it one of the best choices for baby monitoring purpose. This camera also comes with a smart music player that acts like a lullaby to the baby.
One can get more information on the products that Arlo offers on their official websites. Apart from Arlo™, there are other companies that manufacture home security cameras like Blink, Frontpoint, LiveWatch Security, and more.
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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