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  Finance

  Use a Reverse Mortgage Calculator to Get the Best Estimate of Your Loan

  Such a mortgage can be a powerful financial tool if you own a home and are age 62 or older because it enables you to unlock your home equity without selling your home — or adding another monthly payment. But understanding how much you can borrow and at what cost can be complex. That's where a reverse mortgage calculator comes in. This tool gets you a close to exact figure on your loan amount which can help you budget wise going forward with your financing.A reverse mortgage calculator is meant to offer an estimate of how much money you may qualify to receive based on some key factors. How it works out is something you have to consider but there are so many factors to weigh from your age, to your home value, the amount of equity you've built and interest rates. The older the borrower and the more equity the borrower owns in the home, the more they can borrow. It also considers what kind of reverse mortgage you may be in the market for — a Home Equity Conversion Mortgage or a HECM (a federally insured product) or a proprietary reverse mortgage from private lenders.One of the most valuable things about a reverse mortgage calculator is it will make you consider various scenarios. You can, for example, adjust variables such as the value of your home or the interest rate to see how they might impact the amount of your loan. That sort of flexibility can allow you to both understand your options and plan your next moves. The calculator may also show estimates of the fees you would pay for a reverse mortgage, including origination fees, mortgage insurance premiums and closing costs. Understanding these costs is key to assessing whether a reverse mortgage will make sense for you financially.As you discover through a reverse mortgage calculator, the way you receive your funds is also adjustable. Also, unlike a loan, reverse mortgages could pay out in multiple ways, a lump sum, installments, a line of credit or some combination of the three. The calculator will give you an idea of how either option would impact your available cash and your financial strategy. For instance, if you're opting for a line of credit, the calculator can show up estimates as to how much you'll be able to withdraw over time, and how the available balance may grow.While a reverse mortgage calculator is an excellent tool to use, it is never a replacement for the expertise of a professional. The calculator results are only estimates based on the information you provide and some assumptions, so they may not reflect the precise terms you'll receive from a lender. Simply consult with a reverse mortgage counselor or a financial advisor to get a clearer picture of how much you can expect to receive, and the related costs of doing so. Because sometimes the calculator can make mistakes, and it can not totally displace a specialized consultant, you can both use the reverse mortgage calculator and the consultant.As what has been discussed and mentioned above, we can easily observe that a reverse mortgage calculator is a free tool that can help to determine the best option available for you. It provides a fast, simple method of gauging how much you might borrow, what your different options are and what it would cost you for each scenario. Whether you want to make a little extra money, pay for unplanned for expenses, or just enhance your quality of life, a reverse mortgage calculator can help you get started so that you can reach your goals.
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  Home & Garden

  Tips to Remove Urine Stains from Your Mattress

  In the case of urine on your mattress, an accident has occurred, and your best move is to act as soon as possible to prevent stains and odors from setting in; urine — whether from a child, pet or even an adult — can easily seep deep into mattress fibers if not treated in the right manner. But with a few steps and some effort, you can indeed get rid of all but the stain and smell you need to make your mattress a clean product.Hereis a complete guide to address this householdnuisance.Step 1. Act QuicklyThe earlier you treat the urine stain, the better your chances of removing it entirely. New urine is easy to clean, unlike dried urine, which canenter the mattress and get stained. Start openingthe clean-up process as soon as you see the accident.Step 2. Blot, Don't RubStart by blotting the soiled area with clean absorbent towels or paper towels. Apply pressure to absorb as much liquid as youcan. Do remember nottorub it,though, as that will spread the urine and push it further into the mattress.Step 3. Prepare a Cleaning SolutionHere are some of the best cleaning solutions to remove urine stains and odors. Here are a few options.lAcid and Base Solution: Vinegar and Baking SodaMix white vinegar and water into a spray bottle, then add baking soda, in this way, you can get a spray of strong cleaning power.lHydrogen Peroxide and Dish SoapSolutionGet a cup of hydrogen peroxide, a spoon of dish soap and a little baking soda, mix them together.lEnzyme CleanerUrine destroyers or enzyme-basedcleaners arespeciallydesigned to target and destroy urine molecules and the odors. These are especially great forpet pee.Step 4. Usethe Cleaning SolutionApplythe cleaning solution by spraying or pouring on to the stainedarea until completely saturated. Let the solution soak in for 10-15 minutes so that it can reach the mattress fibers and break down the urine.Step 5. Blot AgainOnce the solution has had time to work, blot the area again with clean towelsor paper towels. This will remove the cleaning solution along with the dissolved urine.Step 6. Neutralize OdorsPut some baking soda on the stains in order to remove the bad smells. Because baking soda is a natural smell exterminator which can remove any smells. Then you just need to wait for some hours.Step 7. Vacuum the MattressAfter the baking soda has removed enough bad smells, then you need to use the vacuum to vacuum them. And that'llalso help fluff up the mattress fibers.Step 8. Air DryBefore putting your items back to the original places, make sure your mattress is totally and entirely dry. If not, just wait till it is dry. You ought to dry the mattress up because the humidity can result in mildew and mold. You can speed this process up by running a fan or keeping the mattress somewhere with good airflow.Step 9. Preventive MeasuresIf you don’t want the stain to hurt your mattress, you may need a waterproof mattress protector. These covers serve as barriers between your mattress and any liquids, making clean up easy.Step 10. Additional TipsRepeat the cleaning process as necessary for more stubborn stains.Avoid too much harsh chemicals or bleach, as that cannegatively affect the mattress fabric. If urine odor persists, use an enzyme cleaner to extract urine.In conclusion, remember that speed and how to clean up are important to prevent a permanent stain so that you bed remains a clean place to sleep.
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  Travel

  Last-Minute Vacations at the Best Prices

  The concept of impromptu travel can seem very appealing in the fast paced modern world. If you are looking to get away from the day to day, to recharge your batteries or even just todiscover a new place, then a last-minute vacation might be just what you are looking for.However, with the right strategies, you can score amazing deals and ensure your spontaneous trip is one to remember while keeping costs low. Here's how to book a last-minute vacation on a budget.1.Be Open to Your DestinationBeing flexible is the most important thing when looking to get the best last minute deals. Think in terms of a spectrum of destinations rather than a single location. Use flight comparison tools like Google Flights, Skyscanner or Kayak to help you explore options based on price instead of place. These give you “explore”features that show you the cheapest flights to various places so you can pick a destination within your price range. Last-minute popular destinations include cities that always seem to have flight deals, like Las Vegas and Cancun or European capital cities like Lisbon or Budapest.2.Travel During Off-Peak TimesWhen it comes to saving money, timing is everything. Last-minute vacations on the off-seasons or mid-week, for example, can save a traveler tons of bucks. Airlines, hotels and tour operators often cut prices to fill empty seats and rooms in off-peak times. For instance, a trip to tropical locations in the rainy season or a ski destination in late spring will often come with reduced prices. Flying on Tuesday or Wednesday is also generally less expensive than flying on weekends.3.Use Last-Minute Deal WebsitesSeveral sites specialize in last-minutetravel deals. Platforms like Lastminute.com, Expedia's “Last-Minute Deals”and Priceline's“Express Deals”focus on package deals for discounted flights and hotels as well as car rentals. Subscription services such as Scott's Cheap Flights or Secret Flying also ping you when flash sales and error fares appear — a good way to snag an unbeatable deal.4.Look into Different Types of AccommodationsHotels get all the publicity,but alternatives like Airbnbor Vrbocan save you big, particularly on last-minute bookings. Most hosts reduce their prices to fill up any space, and you might stumble upon unique places to stay for a fraction of the price. And there are house-sitting platforms such as TrustedHousesitters where you can stay in someone's home for no cost in exchange for looking after their pets or property.5.Pack Light and Be Ready to GoAnother great thing about last-minute travel is that it forces you to pack quickly and efficiently. Heading out with nothing but a carry-on helps you avoid luggage fees and makes it easier to take advantage of last-minute flight deals. Have travel documents, toiletries, and a flexible wardrobe packed and ready to go so you can book and leave in hours.6.Use Points and MilesIf you've been hoarding credit card points or airline miles, a spur-of-the-moment vacation is a great opportunity to cash them in. Most loyalty programs allow for last-minute redemptions, and you may have more options for award seats or hotel rooms available during off-peak times. Look at your accounts to see if you can pay for part, or all, of your trip with points.7.Book Activities in AdvanceAlthough the fun of spontaneity is a tube ride or bus tour away, scheduling important activities or tours in advance can save you money and prevent you from missing must-see destinations. Search for discounted tickets on sites like Viator or GetYourGuide, or look up city passes, which package multiple attractions at a discount.So in summary, a last minute trip doesn't have to cost the earth or be overly stressful. With some flexibility, research and creativity, you can score amazing deals and create memorableexperiences. So why wait? Today, start planning your spontaneous getaway and jump at the best deals you can get.