4 mistakes to avoid when applying for a VA loan

4 mistakes to avoid when applying for a VA loan
The Department of Veterans Affairs (VA) offers loans to active-duty military personnel, veterans, and their spouses. These VA loans can help veterans buy homes without a down payment. Additionally, VA loans come with low interest rates. While VA loans can be beneficial, one must understand exactly what to expect when applying for such loans. So, one should understand the terms and carefully avoid mistakes that can interfere with the loan approval process. 1. Ignoring the credit score The minimum credit score requirements for VA loans vary from one lender to another. Nonetheless, if one’s credit score is incredibly low, then their VA loan application may be denied. Even if one doesn’t get a rejection from the lender, they may be charged a higher mortgage rate, which would mean more expensive monthly loan installments. For this reason, one needs to always check their credit score before applying for a VA loan. In fact, if possible, one should try to boost the score to improve their chances of getting the loan approved. 2. Not exploring all options Many national banks and other lenders are authorized to offer VA loans. Each lender offers attractive rates and special features to lure as many borrowers as possible.

50 online stores to check out for exciting Black Friday deals in 2022

50 online stores to check out for exciting Black Friday deals in 2022
Black Friday is the best day of the year for online shopping. Millions of people visit the websites of their favorite brands and buy everything from furniture to electronics and home décor. If you have considered shopping online but do not know where or how to get started, this guide will help. Based on the previous years’ trends, we have rounded up 50 online stores you can visit in 2022 for the top deals! Abt Abt is one of the best-known brands in retail. They sell various appliances and electronics at low prices during the holiday sale. In 2021, you could get branded cameras for a discount of more than $200. Expect great deals this year too. Abt also has offline stores. Adidas Adidas offers some of the best Black Friday deals, and adiClub members receive additional benefits. They get an extra 15% discount on select products and free shipping. Many clothing items and accessories are already witnessing price cuts ahead of the shopping season. Adorama Adorama offers some of the most irresistible deals on electronics for photographers, filmmakers, videographers, music producers, audiophiles, and anyone who wants to unleash their creativity through the digital medium. Be sure to check out the best offers at their online store as soon as the sale begins.

20 smartwatch deals to expect during 2022 Cyber Monday sale

20 smartwatch deals to expect during 2022 Cyber Monday sale
Cyber Monday is an excellent opportunity to get great deals on all kinds of electronics and gadgets, especially smartwatches. If you are looking for a fitness tracker to help you meet your health goals, this is the best time to find many options, including wearables from top manufacturers like Garmin and Fitbit. To help you shortlist the best deals, here are 20 Cyber Monday smartwatch discounts you can expect on November 28: Garmin Forerunner 45 The Garmin Forerunner 45 is a great choice if you want a smartwatch with GPS. It has all the features that any fitness enthusiast would want: a heart rate monitor, a heart rate sensor, a VO2 Max estimator, and speed/cadence sensors. The battery life is great as well, you get 8 hours in GPS mode and four days in watch mode (with GPS enabled). Depending on the online seller you choose, you can get about 30–40% off on this watch. Fitbit Versa 3 The Fitbit Versa 3 is a great entry-level smartwatch, so it has all the basic features you want in your first smartwatch, like GPS, heart rate monitoring, and sleep tracking. You can get it for $170 or less this Cyber Monday. Samsung Galaxy Watch 4 The Samsung Galaxy Watch Active 2 is a great choice if you want an affordable yet feature-rich smartwatch.

Top 4 cruise lines that include airfare

Top 4 cruise lines that include airfare
If there’s one thing we despise when planning a vacation, it is the time and energy required to find a gratifying airline deal. It takes away so much of the excitement of going on a dream vacation. Thankfully, we’ve understood that it does not have to be like that. Cruise lines now offer packages that now include airfares! Here are some of the best cruise lines that include airfare deals. Royal Caribbean If you are considering a vacation with Royal Caribbean Cruises, look for their Air2Sea program. This program is in place to ensure that the vacationers boarding the cruise also board their flights at nominal and discounted rates. People from America or Canada will be charged an additional $15, while international travelers are charged $25. The cruise also claims to credit 110% of the difference if you don’t get a decent deal. Since these flights are approved by the cruise, you don’t need to worry about getting to your destination on time. All you have to do is pick from a list of flights that work well for you. Carnival Just like Royal Caribbean, Carnival also has a program in place that lets you select cruises with airfare packages.

Cancer prevention and management – Foods to eat and avoid

Cancer prevention and management – Foods to eat and avoid
The development of certain conditions like ovarian, blood, lung, prostate, or breast cancer has been linked to the food we eat. While that is not the only cause, and no particular food treats cancer completely, making healthy food choices can drastically reduce the risk of developing cancer. This article provides some details on foods to eat and avoid along with information on (CAR) T-cell therapy to manage various types of cancers. Foods to avoid Red meat Red meat is typically preserved by curing, smoking, salting, or canning. Foods like hot dogs, salami, sausage, ham, and beef jerky are known to create carcinogens that are associated with colorectal and stomach cancer. It is recommended to replace processed meats with white fish, chicken, or turkey. Alcohol Alcohol, classified as a group 1 carcinogen, is linked with mouth, throat, esophagus, breast, liver, stomach, and bowel cancer. The risk of cancer varies significantly on the amount and frequency of drinking alcohol. A glass of wine now and then does not have much of a negative effect; however, frequent binge-drinking episodes can increase one’s risk of being diagnosed with cancer. Refined carbs and sugar Eating excessive refined carbs and sugar increases visceral fat and makes one susceptible to type 2 diabetes.

5 things to avoid while buying and wearing lipstick

5 things to avoid while buying and wearing lipstick
Lipsticks are a staple element of any makeup kit. They give you a classy finish and are usually the base element around which you build your entire look. It is believed that using lipstick is an easier process when compared to other makeup products. But in reality, there is a lot that goes into obtaining that perfect pout. Avoid these common mistakes while purchasing and wearing lipsticks to get the desired look. Not picking the right one When purchasing lipstick, it is essential to remember that not all formulas are made the same. Different formulas and textures look different based on the time of the day, the lighting, and even the skin tone and skin type of the individual. This is why it is essential to choose the color and formula that suits you and the occasion. Typically, neon tones and lighter shades are more suitable for the day. For the night, you can switch to brighter and darker shades. You can also choose the type of lipstick based on the occasion. If you need your lipstick to stay on for a longer period, you can opt for a matte finish. Not using a lip liner Another common mistake often observed when wearing lipstick is skipping out on lip liners.

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9 most common types of depression you should know about

9 most common types of depression you should know about

All of us feel low, upset, and unmotivated at some point in our life, but this isn’t classified as depression. Depression is a mood disorder that overshadows a person’s thoughts, feelings, and actions. Signs and symptoms of this grave disorder can range from feeling hopeless and tired to completely losing the will to live. There are several types of depression and they are listed below so you can understand depression and people suffering from it better. Major Depression (Clinical Depression) The hallmark trait of this type of depression is the constant feeling of sadness or loss of interest in social life or any outside stimuli. It often lasts for two weeks or more in which a person can experience symptoms such as hopelessness, fatigue, and suicidal thoughts. Dysthymia (Persistent Depressive Disorder) Dysthymia lasts for years and can disrupt daily life and interfere with personal and professional relationships. Individuals with dysthymia are often seen as dark, pessimistic, or complainers by others, and they have a hard time being happy in typically pleasant situations. Manic Depression (Bipolar Disorder) People with manic depression experience high degrees of mood swings. Their train of thought can take them from feeling euphoric to feeling suicidal in just a few weeks.
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Simple and practical guide points for expecting parents

Simple and practical guide points for expecting parents

Pregnancy is a new experience in every couple’s life, and one should understand a few things to ensure that the nine months are smooth and stress-free. Simply being prepared for pregnancy and looking forward to the joy of parenthood is not all there’s to childbirth. As a couple, you must understand, review, and adjust your lifestyle. Expecting mothers become their child’s nurturers and supporters from day one, but the expecting fathers, close relatives, and friends must also understand the key roles they will play right up to the due date. Here are a few simple family and pregnancy guide points to help you and your folks get started: Staying healthy Physical and mental wellbeing is extremely crucial for the expecting mother to ensure both her and the baby’s health. Diet plays a crucial role in this process, as the mother is now providing nutrition for the developing fetus as well as herself. As a family, you can take turns to ensure that the to-be mother is staying physically active, eating healthy and regularly, and not cultivating any bad habits. More importantly, family and loved ones should be prepared for the changes to come in the upcoming trimesters. Coping with changes – what to expect Morning sickness in the first trimester is quite common and can put a woman’s body under tremendous stress.
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