
Comcast owns Xfinity, which is a TV and internet service provider. Comcast started in the 1960s, and since then it has become a popular cable TV provider in the country. In 2010, when Comcast was in the process of merging with NBC, the company decided to rebrand its cable TV section to Xfinity. So now, Comcast is the parent company and the services provided by them are known as Xfinity. This information will help prevent any confusion because, in the section below, we are going to discuss some of the best Comcast Cable TV Packages, now known as Xfinity TV packages.
Xfinity Digital Preferred
This cable TV package from Xfinity costs around $59.99 for the first 12 months, and the user signs a contract for one year. You can watch more than 220 channels with this package, which includes MLB Network, Starz Encore, and NHL Network. It also gives you a choice between numerous “Xfinity on demand” channels, and the best part is that you can watch your favorite shows anytime and anywhere on your choice of device. You can watch channels from this package on a smartphone, a tablet, or your computer.
X1 Preferred Double Play
This Comcast Cable TV package offers a cable TV facility along with an internet subscription. This package will cost around $114.99 per month for the first 12 months, and you will have to sign an agreement for one year. You can enjoy more than 220 digital channels with this package. Along with that, you will get an internet connection with download speeds of up to 150 Mbps as well as free access to millions of Wi-Fi hotspots. The X1 Preferred Double Play package will let you enjoy channels such as NHL Network and Starz Encore, among several others.
Preferred XF Triple Play
This package from Xfinity is a three-in-one connection wherein you get a cable TV connection, an internet connection, and a phone line. This cost of this package is around $119.99 per month for the first 24 months, and you will need to sign a contract for two years. This package also provides 220 digital channels from all the popular networks. Additionally, you will get an internet connection with download speeds of up to 150 Mbps. You will also receive an unlimited talk time and text message package that is valid across the country.
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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