Tips to choose the right pair of sunglasses

Tips to choose the right pair of sunglasses
Finding the ideal pair of sunglasses is not easy in most cases. Earlier, making the right choice was all about the style of the frame and color of the glasses. But today, with advanced technology, there are several things to consider that go way beyond appearance. Before you go shopping for sunglasses, take a look at a few tips that will help you select the right one. Look for a customizable fit Gone are the days when you struggled to keep your sunglasses on your face as you can now get options with an adjustable fit. Take a pair of black Oakley® KATO sunglasses with Prizm™ lens technology, for example. It has nose pads, a tilt feature, and an ergonomic design for an exact fit. If this particular choice is outside your budget, look for these little features before you order a new pair of sunglasses. UVA and UVB protection are a must This one is a no-brainer since you will be spending a substantial amount of time outdoors wearing your sunglasses. So, choose the pair with maximum ultraviolet protection. This will prevent the harmful rays of the sun from damaging your eyes. Avoid buying glasses that don’t have a tag highlighting the UV-protection information.

Top 3 lenders offering the best VA IRRRL rates

Top 3 lenders offering the best VA IRRRL rates
The US Department of Veteran Affairs (VA) offers a valuable option of an Interest Rate Reduction Refinance Loan (IRRRL) for veterans and related members. This enables individuals who already have VA loans to reduce their debts and avail a lower rate of interest. It shortens the loan term and helps transform an adjustable-rate mortgage (ARM) into a fixed-rate mortgage (FRM). The main advantage of an IRRRL is that borrowers do not need a new Certificate of Eligibility or a minimum income. Those who have VA loans are nearly qualified for refinancing. Read on to know top lenders offering the lowest VA IRRRL rates currently: Veterans United Home Loans This lender was honored for closing the highest number of VA loans right from 2016 to 2020. Their no-down-payment programs and the one designed for first-time homebuyers receive the most credit for being the best in terms of customer service. Presently, the company offers six 30-year VA programs, including a Streamline IRRRL, a VA Cash-Out, and Jumbo loans with low VA IRRRL rates ranging from 2.750% for a 30-Year Fixed and 2.990% for the 30-Year VA Cash-Out Jumbo program. The rates may vary depending on the borrower’s credit score and market conditions.

Top 5 VA loan lenders

Top 5 VA loan lenders
A VA loan is a benefit provided to veterans, military personnel, and their spouses, wherein they can become homeowners. They are exempted from paying the down payment or any mortgage insurance. Private banks and mortgage companies provide these loans. A large number of options makes it challenging to select the right provider. Therefore, we have put together a list of the five best VA loan lenders of 2021. Here are some of the best VA loan lenders: Guaranteed Rate Guaranteed Rate operates in all 50 states with over 300 branches nationwide. One can apply online and even undergo paperless document verification and approval. However, the pre-approval process is slower when compared to other providers. The company has a minimum credit score requirement of 600. Guaranteed Rate offers a variety of solutions, such as jumbo mortgages, FHA, and VA loans. However, it does not provide equity loans. Flagstar Bank Flagstar Bank offers various home loan lending solutions to help buy, build, or refinance veterans’ homes. The company operates in all 50 states online and is available in 70+ branches across 29 states. It takes less than three days to pre-approve loans, and its closing time is approximately 30 days. Flagstar Bank offers low mortgage rates and has a lower-than-average credit score requirement.

Digital transformations in financial services – Its significance

Digital transformations in financial services – Its significance
Stiff competition urges every business to push themselves out of their comfort zones to make customers happy and ease complexities for employees and customers. Technological evolution is constant in every field, and digitalization has helped make things convenient for all. While we’re aware of the convenience and time-saving opportunities that are brought about by digitalization, this article discusses its perks in the financial services field. Saving time is the most significant factor in financial services after digitalization came about. No longer do people have to wait in long lines to withdraw or deposit cash. An ATM or banking apps come to the rescue. Moreover, transferring money online eliminates the procedures that would otherwise take days to reflect the result and saves a lot of paperwork. It definitely is more environment-friendly, reducing the consumption and wastage of paper. Another significant benefit of digital transformation in financial services is the convenience of the employees and customers. One transaction in the digital era takes no more than five minutes. In the pre-digital era, people would have to wait for days to get through an emergency transaction. Moreover, now there are a plethora of options. There were already so many benefits of digitalization in the banking sector, but the pandemic recognized another noteworthy feature.

5 reasons to choose mortgage refinancing

5 reasons to choose mortgage refinancing
Refinancing involves replacing an existing loan by paying it off with a fresh one. Such an act usually costs somewhere between 3% and 6% of the loan’s principal amount, along with application fees, title search, and an appraisal. Since refinancing is a big decision to make, understanding whether this move could actually save you money is essential. So, the following reasons will help you know whether youn should consider mortgage refinancing. Lower interest rates Keep an eye out for lowering mortgage refinance interest rates in the market, and just when the rates drop, you can consider refinancing to pay significantly less in monthly payments. Today, the norm is that if mortgage refinance can give you even 1%-2% in lowered interest rates, it is a viable idea for a homeowner. Shortening the loan term As you refinance due to the change in mortgage refinance interest rates, you can even choose to reduce the loan term. Instead of paying a mortgage for 30 years, you can even half that time if the change in interest rate is significant. Keep your calculator handy and get a deal that will get you out of mortgage payments sooner. Adjustable-rate mortgage (ARM) In case of a forthcoming significant rise in interest rates, mortgage refinancing is a good move as you can choose to opt out of ARM and turn to a fixed-rate mortgage.

4 popular online resume builders

4 popular online resume builders
A resume can make or break a potential job opportunity. While the content of a resume is essential, the presentation is equally important. With resume-building apps and software, this task becomes easy. These have resume templates with various formatting options. Here are some paid as well as free resume builder apps and software to choose from: Resume Help This free resume builder app takes you through one section at a time when creating a resume. You only need to fill in the blank sections, pick a template, and Resume Help will do rest of the work. There are more than 20 templates to choose from; each with a unique design and style. There is also an option of pre-written content that speeds up the resume writing process. Resume Genius If looking for a paid resume builder, then Resume Genius is a good option. It claims to create a resume well under 15 minutes. There is a range of several template options to choose from. The website guides you through several questions and sections to create a resume. You can write out your own answers or select from several pre-written replies. These pre-written answers can be easily edited or customized as well.

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4 ways to overcome an overactive bladder

4 ways to overcome an overactive bladder

Overactive bladder or OAB is a health condition that causes frequent and sudden urge to urinate. Statistics suggest that close to 35 million people in the country suffer from overactive bladder. Some people also experience urinary incontinence or unintentional loss of urine. It can be embarrassing to deal with the condition, as it can limit one’s social and professional life. The following tips can be used to effectively manage an overactive bladder: Typical treatment options Before we discuss tips for managing an overactive bladder, it is important to be aware of some treatment options. GEMTESA (vibegron) is one such treatment option. It activates beta-3 receptors, thereby allowing the bladder to relax and provide relief from being overactive. Apart from this, Myrbetriq can also be used for treating an overactive bladder, as it smoothens the muscles around the urinary bladder, increasing its storage capacity. Other options include TOVIAZ and INVOKANA®. Add cranberries to your food regimen  Cranberries are widely used to treat problems associated with bladder control. Similarly, other berries like strawberries and blueberries are also abundant in vitamin C, which can neutralize bad bacteria and prevent urinary tract infections. Berries also have high water content, which maintains hydration levels and helps manage bladder control. Cranberries can be eaten alone or can be added to smoothies, salads, and other delicious recipes. Limit washing and wiping Sanitary hygiene is essential. However, it can be counterintuitive going overboard. Women with overactive bladder experiencing menstruation might feel the constant need to clean themselves. However, excessive cleaning with soap can make the area dry and itchy, and it can aggravate symptoms of an overactive bladder. Hence it is recommended to avoid going overboard on washing and wiping or use hydrating cleaning products to retain the moisture. Practice exercises for bladder control Changes in certain habits related to urination can ease the symptoms or help retain bladder strength in the long run.
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5 tips to manage migraine attacks

5 tips to manage migraine attacks

Migraine is characterized by throbbing, lingering pain on either side of the head. It is common among those between 30 and 40 and more prevalent among women than men. According to research, at least 39 million people in the country live with migraine. Many people with this condition are sensitive to light and sound. Fortunately, lifestyle changes can reduce the frequency of migraines. Here are some effective ways that can help cope with migraines: Treatments People with migraines need to keep medications handy. Some of the common medicines used by adults for migraine attacks are UBRELVY™, Excedrin, Nurtec® ODT, and QULIPTA™. They block pathways in the brain that are responsible for migraine attacks. A doctor might also recommend preventive medicines if one experiences frequent and severe headaches that don’t respond well to treatment. These medications might reduce how often one gets an attack and reduce its severity. Foods to eat Fruits, vegetables, nuts, and seeds are high in antioxidants and fat and are great for keeping overall health in check. Magnesium-rich foods like avocados, apricots, almonds, cashews, and brown rice help the blood vessels relax and prevent headaches. Other items that help prevent headaches include leafy greens, dairy, and calcium-rich foods. Those who experience frequent migraine attacks are also often recommended to reduce the intake of high-sodium foods. Lifestyle choices Having a healthy sleep cycle is very rewarding. It’s good for one’s physical and mental health. Getting quality sleep every night can significantly reduce the frequency of migraine attacks. Migraines usually occur when the body doesn’t get enough rest and is stressed. Hydration and cold compress It’s essential to be hydrated at all times to help reduce the frequency of migraines. The body requires a certain amount of electrolytes and fluids to work its best. When one doesn’t replace these fluids and electrolytes, it causes dehydration, triggering migraine.
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