Reverse mortgage eligibility and its criteria

Reverse mortgage eligibility and its criteria
As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals. Here are the criteria for reverse mortgage eligibility: Personal criteria Age You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases. Property The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages. Home equity You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.

Top 10 debt settlement companies to consider

Top 10 debt settlement companies to consider
A lot of people get stuck in debt due to many reasons. The interest rates keep adding up, taking a toll on an individual’s financial stability. In such a case, debt settlement can be quite helpful if you wish to settle a large amount. Here is a list of top 10 debt settlement companies that you can consider to help ease the burden off your shoulders. National Debt Relief National Debt Relief has the most detailed insights on their website that can help you with debt settlement. It talks about the debt qualification, the amount of money you need to pay for enrolments as well as the debt relief services that they offer. The average savings after the fees is around 30%. CreditAssociates This particular company is known for helping clients with the elimination of debt. They undertake this entire process between twenty-four to thirty-six months. They use enhanced software, and the outstanding expertise of their team to help their clients with great debt negotiation services. Pacific Debt Inc This is one of the top 10 debt settlement companies that you can consider. You need to have a minimum of $10,000 in debt to avail their services. They offer an affordable monthly program/plan with payment as well as upfront fees.

Smartphone habits to change today

Smartphone habits to change today
Smartphones are one of the most used gadgets on a daily basis. With new and innovative features being introduced with each upgrade, you can practically get anything and everything done as long as you have a stable internet connection. But these features can also lead to many bad habits that can be detrimental to your health and your device’s longevity. Here are four common mistakes people make and should break free from today. Buying cheap accessories Never buy cheap knock-offs or first-copy accessories for your phone, including charging and data transfer cables. Experts recommend using the ones that come with the box or switching to a superior make and quality. This is mainly a safety precaution to lower the risk of electrocution or the phone battery overcharging and bursting into flames triggered by cheap materials. Checking all notifications Notifications can be really distracting and time-consuming. Before you know it, you’ll find yourself constantly checking the phone for the latest updates. That’s a tough habit to break, especially if you are active on social media. It is only the beginning of smartphone addiction, so you must brace yourself and be mindful of the daily hours spent on the phone. React and respond only to important alerts only and try to ignore the rest of the apps until the end of the day.

5 smart ways to use tablet computers

5 smart ways to use tablet computers
Tablet computers are mobile computers that have become increasingly popular, thanks to their power and portability. They are pre-installed with applications and have an intuitive touchscreen system to deliver an experience, otherwise not found in computers. Tablets come in various configurations and prices, so you must identify the one you would love to use. If you are considering whether buying one will be worth it, here are five ways to use a tablet computer smartly. Use it as a second screen to increase productivity Having a tablet computer increases productivity. You can use it as a second screen for your business where you can jot quick notes for handy information. Moreover, this device enables you to focus on one specific task as usually it allows one active tab to be displayed on the screen. This helps you save time switching browsers on your desktop or phone, and you can write, read or work without distractions. You can also use work apps and shortcuts to monitor your emails, calendar, and other work-related tasks. Using apps such as Splashtop Streamer, you can remotely access your desktop computer from your tablet. Control other electronic devices remotely You can transform your tablet computer into a universal remote for different electronic devices such as television or music systems, using certain applications.

5 Mistakes to Avoid When Switching Phone Carriers

5 Mistakes to Avoid When Switching Phone Carriers
Switching phone carriers may be a daunting task, considering all the research and work needed to get through it. However, in some cases, it is inevitable, so it is always recommended to be well-informed and have all the details on hand before making the decision. There are many factors to consider when it comes to this, and there are some mistakes people make while switching phone carriers that customers can easily avoid. Take a look. 1. Choosing the wrong carrier This is one of the biggest mistakes people make and should definitely be avoided because of all the troubles that could limit a smooth phone experience. There are three wireless networks available: Verizon, AT&T, and T-Mobile. Some factors that can help decide which carrier works best for a customer include data speeds, any problems with dropped calls, text messaging plans, and if they are delivered timely. So check for these metrics when choosing the carrier. 2. Failing to compare phone plans So many phone plans are available, and while customers compare them, they often do not get into the specifics of the pricing to understand each service. This can be essential, especially when someone has already started a plan and, in the middle of the month, they realize they have been charged for some extra features they have been using.

Top 8 driving mistakes to avoid at all costs

Top 8 driving mistakes to avoid at all costs
Not everybody can be a perfect driver on the road. The sheer number of variables, such as traffic rules, pedestrians, other vehicle owners, road conditions, and weather, means that even the most careful drivers make mistakes occasionally. On the other hand, certain driving habits can only be described as reckless, as they can land drivers, pedestrians, and other road users in danger. To avoid that, here are some driving mistakes everyone must try to avoid: Driving slow in the passing lane The high-speed passing lane is for the purpose its name suggests – for vehicles to overtake others and, basically, slam the throttle to get to their destination as soon as possible. Therefore, it is often referred to as a fast lane. Driving slowly on such lanes blocks the traffic and slows down everyone. More importantly, driving slowly on passing lanes can also result in vehicles tailgating each other and unavoidable collisions. What’s more, frustrated drivers who cannot get a move on in the passing lane may end up over-speeding on the inside lane. To avoid such dangerous accident-prone scenarios, drivers must decide the lane to take based on the speed at which they are most comfortable driving their vehicle.

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Top 4 Dyson vacuum cleaners of 2021

Top 4 Dyson vacuum cleaners of 2021

Dyson is a brand that has developed and launched several cordless vacuum cleaners significantly better than its competitors. But because there are so many different models from the renowned brand, it becomes challenging to pick the right one. So we’ve put together a list of four top-of-the-line, cordless vacuums from Dyson available on Amazon to help narrow down on one that best suits your needs. Dyson V15 Detect The Dyson V15 Detect is equipped with unbelievable suction power, run time, and other features to deep clean an entire home. It also comes with a laser that can reveal microscopic dust particles. One of Dyson’s latest cordless vacuum cleaners, the V15 Detect, sports an LCD screen that displays proof of the deep clean. You can find this product for $899.99 today. Dyson V11 Torque Drive While it is a predecessor to the Dyson V15, Dyson V11 Torque Drive was the earlier champion of Dyson’s range of cordless vacuum cleaners. At $757.95, the V11 can automatically adapt power and run times based on the structure of your home. It also offers 5 Dyson engineered tools to help with cleaning the house and even the car. The Dyson V11 Torque Drive features include its ability to pick up pet hair, which is an amazing positive if you have a pet at home.
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Top 5 lipsticks of 2021

Top 5 lipsticks of 2021

It doesn’t matter whether you’re a makeup queen or one that wears only the bare minimum, you can never leave out lipsticks. In fact, most of us always carry our favorite lipstick wherever we go. Nonetheless, if you haven’t found “the one” or are looking for different shades, here are the five best lipsticks you need to check out. Charlotte Tilbury K.i.s.s.i.n.g. Lipstick This product is all you need for luminous, bold, and perfect lips. Its wax formula makes the lipstick glide on your lips while keeping them hydrated. It is infused with natural ingredients that help fight UV damage and oxidative stress, leaving your lips supple and soft. Maybelline SuperStay Matte Ink Liquid Lipstick With its unique arrow-shaped applicator, applying lipstick becomes almost effortless. It lasts for up to 16 hours and is available in over 35 amazing colors. This bold matte lipstick can be removed seamlessly using Maybelline’s SuperStay Eraser lipstick remover. It is available in various online and offline stores for only $9.49. L’Oréal Paris Colour Riche Satin Lipstick This $6 lipstick is surprisingly one of the best ones out of the lot. It is affordable and comes in over 52 fabulous shades across four color families – red, berry, pink and nude.
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