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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. -
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. -
Travel
Steps to Get Discounted Airfares for Seniors
Regardless of age, traveling is something that many people love and for seniors, it can often open up new territory to explore, revisit their favorite place, or get the opportunity to see the world at a relaxed pace. But sometimes the cost of airfare becomes an obstacle to those travel dreams. Luckily, there are plenty of methods seniors can take advantage of to save money on airfares, so their travels can be enjoyablewhile still being easy on the wallet. Here are very useful tips toenable you save more from your next flight.1.Become a Member of AARP and Other GroupsJoining associations, for example, AARP (American Association of Retired Persons) is one of thesimplest ways for seniors to receive concessions. There are a number of travel benefits with AARP, including exclusive airfare offers made possible through partnerships with airlines.A nominal fee typically comes with membership, but the savings on flights morethan offsets the expense. Watch AARP’s travel page for flashsales and otherseniors-only offers.2.Use Airline LoyaltyProgramsMost airlines have loyalty programs that compensate frequent flying travelerswith points, miles,or cash discounts. As a senior, joining these programs and earning points from some occasional trips can help one save a good amount of money overtime. Some airlines also havespecial senior discounts, so it’s worth reviewing the fine print of your favorite carrier’s loyalty program forage-specific advantages.3.Book at the Right TimeAirfare is allabout timing. In general the best fares become available middle of the week (Tues or Weds) and several months ahead oftravel. During thesetimes, airlines often release promotional fares that seniors can capitalize on. Do not book during busy travel periods orholidays when rates can be sky high. Being flexible with your travel dates can alsounlock cheaper options.4.Use Travel Agencies, Websites that Specializein Senior DiscountsThere are plenty of travel agents and online sites which caterspecifically to offering seniors discounted prices. SeniorDiscounts.comand similar web sites have a great deal of information.Travelzoocan be excellent resources for deals. These platforms pull offers from different airlines,by doing this you can compare prices and choose the fittest option without going through many different airline pages.5.ExploreAlternativeAirlines and RoutesBudget airlinesand smaller carriers often aren't the first choice, but often offer the best value for money. Donot ignore these options if they service your destination.And, comparing other airports or layover pathscan yield huge savings as well. Occasionally a slightly lengthier trip can yielda considerably cheaper fare.6.Get a Dealand Ask for DiscountsFeel freeto contact airlines directly and ask about other possible senior discounts. Some airlines advertise their senior rates front and center, but others may have them available only on request. Be courteous and persistent; a single phone call might getyou a substantial discount that’s notmentioned in plain view.7.Utilize Companion FaresSenior travelers can find low-cost tickets by keying in specific keywords (such as oneof the benefits airline offer—companion tickets) in the airline website's search bar. If you are eligible for a companion fare, the price of your trip can effectively be cut inhalf. Look for such promotions that cango a long way in working wonder.To sum up, although airfare can discourage travel, older adults have a number of options to try to getreduced rates. With all above mentioned ways and methods such as understands joining the right organizations loyalty programs, closet brochure booking, travel-new-specialty-organizations, alternativetrips, negotiating, partnerships for two mates, you can get discounted airfares for seniors. -
Automotive
How to Maintain the Tonneau Cover Well
Tonneau covers are must-have things for truck owners, because they can help the trucks from being broken by a lot of elements. In order to ensure its long turn operation, the daily upkeep is essential. If you ant to know how to care for a tonneau cover, here are some helpful tips.1.Regular CleaningDirt and debris generally accumulate over time on the tonneau cover and cause scratches as well as wear. They need regular cleaning in order to remain in good condition. Lightly clean the surface with mild soap or automotive cleaner and a soft cloth or sponge. Avoid abrasive cleaners/oil that could harm the finish. If your covers are made of vinyl or fabric, use specific cleaners designed for those. Rinse it thoroughly with water and dry it with a microfiber cloth so you don't get water spots.2.Inspect for DamageRegularly inspect your tonneau cover for signs of wear (cracks, tears or rusted loose hardware). That can help you fix whatever is out of whack, and prevent major damage and costly repairs later on. Check for loose hinges, seals, and fasteners if you notice any damage, first check for any damage and if there is any then repair or replace immediately.3.Protect from Extreme WeatherWhile tonneau covers are generally made to handle the weather, prolonged exposure to extreme heat, cold, or UV rays will eventually breakdown the fabric. Control what you can to limit exposure, including putting your truck in a garage or shaded area when you can. If it’s on a vinyl or fabric cover, a UV protectant spray may help protect that material from fading and cracking.4.Avoid OverloadingTonneau covers aren't made to support much weight. Do not stack heavy items on the cover. Something heavy placed on top of the cover can make it bend or warp, causing damage to its composition. In order to avoid damage of the cover, always stay within the manufacturers weight limit guideline.5.Check Seals and Weather StrippingKeeping the dirt out of your truck bed is crucial, and that starts with the tonneau cover seals and weather stripping. Inspect these components for wear or damage regularly. To keep your vacuum system seals tight and leak-free, and to help prevent cracking, you can reinstall any worn or cracked seals. Well-fitting seals also reduce wind noise on the move.6.Keep Safe When Not in UseIf you need to take off the tonneau cover, store in a cool place, away from humidity and direct sun. The same goes for keeping it “bent”or “rolled”too tightly, as that can create creases or damage the material. If it's hard covers, put them anywhere flat or it will get bent.7.Follow the Manufacturer's GuidelinesTonneau covers are not created equal so its vital to adhere to the manufacturers recommendations for their maintenance. Consult a user manual for cleaning products, lubrication intervals and care instructions specific to your covers material and design. Following these in very essentials it will not void the your warranty and also very simply way of doing the performance.8.Address Rust PromptlyRust is something you may worry about with tonneau covers that include metal components, frames, or hinges. If spots of rust do occur, scrub them off immediately with a rust remover or fine-grit sandpaper. Apply rust-resistant primer and paint on the metal to protect from rusting.9.Seasonal MaintenanceMaintaining a tonneau cover comes with challenges unique to each season. Vigorous brushing of snow and ice buildup in winter must be done carefully to prevent damage to the cover. Keep the cover clean in the summer and keep harmful UV rays off it.In short, these are the tonneau cover maintenance tips to ensure your tonneau cover lasts for a long time and looks and performs the way it should. If you use your truck for carrying things, you need to buy a tonneau cover for your truck because it will not only provide a smooth surface for the things you keep but will also enhance your vehicle.
Popular Articles
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Travel
Reasons Why Costco Tires Are Your Optimum Selections
If youare looking for tires, thenCostco Tires is one of the best places for the drivers. Costcotire shopping has become a one-stop shop for quality, value, and customer service; no surprise there. Below area few great reasons you should choose CostcoTires when buying your next set of tires.1.Competitive Pricing and ValueThe lower price is the most outstanding vantage for you to buy Costco Tires, and except for that, Costco Tires are of high quality as well.In addition, Costco frequentlyruns promotional combos, such as deals onsets of four tiresor savings on installation services. These deals are downright attractive to shoppers on a budget, but don’t think it sells you short in quality.2.Premium Tire BrandsIt has cooperative relationships with some famous tire companies, such as Michelin and Goodyear. All these companies are very prestigious in tire making field. Therefore, you can feel easy to buy Costco Tires.3.CompleteInstallation ServicesPurchasingtires fromCostco doesn't only mean tires, you are also getting professional installation services. Eachof Costco's tire centers has qualified technicians on staff who guarantee that your tireswill be installed the right way, safely. Includes tiremounting, balancing and replacement of valve stems.4.Free Lifetime ServicesAnother area where Costco Tires stands out is its lifetime services, which are provided free of charge for thetires you buy there. These services include tire rotations,flat repairs and inflation checks. Well, Costco makes it easyand free, for its members, anyway, to stay on top of tire maintenance to keep your tires going strong (and your gas tank full) for thousands of extra miles.5.Warranty and Road Hazard ProtectionCostco tires warrantyis not lessthan that.And this coverage protects you against sudden damage such as punctures and blowouts, and it can saveyou plenty on repairs or replacements.Thisprotection brings peace of mind as a result, and if you regularly drive in adverse conditions, that peace of mind is priceless.6.Easy forCostco MembersNo one likes going to the store for tires, so for everyone whoalready has Costco membership, the convenience of buying tires at Costco cannot be beaten. Online, in-storeshopping and seamless installation. On top of that, you'll be able to use Costco's other services, like their food court or grocery shopping, during yourtire installation wait time. With a membership-based modelthey guarantee exclusive perks and a person touch.7.Sustainable and Eco-FriendlyAlternativesCostco's tire offerings follow suit, withthe warehouse chain being committed to sustainability. Most of the tires sold at Costco are made to be fuel-efficient, which means your car will get as many miles per gallon as possible,cutting your carbon output. Costco alsoproperly disposes of old tires and recycles them to ensure the least amount of environmental impact.8.Exceptional Customer ServiceCostco Tires are not only good at their qualities, but also excels in customer supports. You will be amazed by its after-sale service. If you have any problems with the Costco Tires that you have bought, just connect the customer support, and they will help you with quick speed and high quality.For anyone in search of quality tires at an excellent price, Costco Tires is the ideal choice. Costco is full of all the premium brands, all the full-service options, as well as freeoil services, and fantastic customer support to keep your vehicle running smooth and safe. So if you find yourself behind the wheel more than you'd like, or you just like a little peace of mind on the road, CostcoTirescan be a trusted partner in crime. So when youneed new tires next, give Costco a try — it's an option that pays off in both value and performance. -
Travel
Things to Pay Attention to When Buying a Used Pickup Truck
Used pickup trucks are what most of us will be looking at, it provides uswith a good alternative, a tough, flexible and impressive value for money. But buying a used pickup truck is not an easy process, and traps are everywhere. Hereare key things to keep in mind when shopping for a used full-size pickup truck.1.Set a BudgetStart your search with a budget in mind. If you buy a car, include the cost of purchase, taxes, registrationfees, insurance, potential repairs, etc. Oravoiding overspending by sticking to a budget tohelp you narrow down your options.2.Check Vehicle HistoryWhen purchasing a used pickup truck, a vehicle historyreport is needed. Services such as Carfax or AutoCheck can offer information about accidents, title status, mileage and maintenance history. Stay away from trucks with severe accident histories, flood damage or salvage titles; they can create major repair problems later.3.Inspect MileageMileage is not the only measure of a truck’s condition, but it’s a keyone. Low miles typically mean less wear, but high mileage isn't necessarily a dealbreaker if the truck was well maintained. Considermileage balanced with overall condition.4.Do a Walk Around of the Outside and InsideExamine the truck’s exterior for any rust, dents, scratchesor evidence of repainting, which could suggest previous harm. Inspect the bed for damage, since this is a major part of a pickup truck. Step inside and check for worn seats, cracked dashboards or inoperative controls. A clean interior is often indicative of how well the previous owner took care of the car.5.Test Drive the TruckDefinitely take a test driveto get a feel for how the truck drives.Pay attention to how to starts, accelerates and stops. Above all, you need to pay attention to the abnormal noise, such as rattling or grinding, which means the problems. What’s more, you also need to check the transmission, suspension and four-wheel drive areas.6.Check the Engine andUnderbodyOpen the hood and check the engine for leaks, corrosion orfraying belts. Check the oil and coolant levels and look for signsof bad maintenance. If you can, get under it to look for any rust, damage or worn out parts like shocks and suspension parts that a mechanic can check.7.Confirm Towingand Payload SpecsIf you have a plan to use the truck for hauling goods, one thing must do is to check its towing and payload abilities. Do remember to check whether this truck can burden the weight you want it to tow or not. If you really care the towing ability, make sure it includes a working hitch and wiring harness.8.Review Maintenance RecordsRequest maintenance documentation to ensure the truck was serviced regularly.A well-maintained truck includes routine oil change, tire rotations, etc. Not keeping records might mean neglect and could lead to issues down the road.9.Negotiate the PriceThere is usually room to negotiate onused pickup trucks. If you do decide to negotiate, use your research on the truck’s market value, condition and any needed repairs to agree on a fair price. Beready to walk away if the seller won’t agree to your offer.10.Get aPre-Purchase InspectionEven if the truck looks great, it’s worth it to hire a mechanic for a pre-purchase inspection. An expert can spot problems that might behidden, and will not show up in an informal inspection or drive.11.Check OwnershipCostsLastly, you should think about the overallownership costs of the car. Research its fuel economy, insurance rates, parts availability.Do remember that some models are cheaper but more expensive to maintain at the same time. Therefore, you need to consider these aspects.By referring all these aspects, you can find a suitable used pickup truck of high quality to meet your standards. Make the time, do the research, be bold enough to ask questions. A great used pickup truck can provide lots of reliability and fun foryears to come.