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
The home equity requirement varies from one borrower to another and is based on your individual situation. If you are younger and the only titleholder to the property, the home equity required may be more than 50%. We recommend using a reverse mortgage calculator to understand the requirement.
HECM Property Criteria
Mobile and manufactured homes and multi-tenanted properties with more than four units are not eligible for a reverse mortgage
Financial criteria
To qualify for a reverse mortgage, you need to prove your financial ability to pay your loans and other expenses, such as insurance, taxes, and homeowners’ association fees. Moreover, you need to be financially stable to pay for regular repairs and maintenance of the property.
Non-payment of any of the aforementioned expenses violates the terms of the reverse mortgage and is considered a default. Therefore, considering the income criterion while contemplating a reverse mortgage is important.
Here are the types of income that are considered to determine your reverse mortgage eligibility:
If you finally decided to embark on the weekend getaway you have been planning since forever, you’ll definitely want everything to be in order. To ensure that you don’t experience hassles when you reach your destination, it is advisable to make hotel reservations beforehand. Gone are the days when getting hotel reservations was a daunting task; you would have to reach your destination, find a nice hotel, select a room, and pay at the front desk. However, these days, as everything has been transferred to the online realm, making hotel reservations has become extremely easy.
All you have to do is look for an online travel agency, browse through the different hotels, and choose the one that you find practical and within your budget. One such online travel agency that has made more than 5,000,000 reservations till date is HotelGuides™.
If you are still unsure about making reservations via a travel agency, here are some reasons why you should book your next hotel through HotelGuides™.
No fees
One of the major inhibitions that people harbor is the authenticity of the travel website. Moreover, if you pay for making the reservation, and it doesn’t come through, you will have a tough time finding a hotel when you reach your destination. Also, several travel sites charge cancellation fees when you make last-moment cancellations. However, HotelGuides ™ doesn’t charge fees on cancellation.
Lowest rates
HotelGuides™ offers the lowest rates when it comes to booking hotel rooms. However, if within 24 hours of booking via this travel site, you find a lower, comparable rate for the same hotel on a different website, they will pay you the difference plus $10.
Guaranteed refund
HotelGuides™ ranks high when it comes to customer satisfaction. In case you aren’t satisfied with the hotel you have booked through the site, they will give a refund up to the cost of one night’s stay in the particular hotel room.
Pay-at-hotel feature
Unlike other travel sites where you have to pay upfront when the reservation is confirmed, you can use your credit card directly at the hotel you’ll be staying. In fact, 95 percent of the reservations do not require the site users to make any form of payment in advance.
Prompt customer service
Another reason to book hotels through HotelGuides ™ is that they offer excellent customer service. All the email questions and telephone calls are answered promptly, and therefore, you won’t be left helpless in your hour of need.
This year’s biggest Black Friday specials will likely offer some of the most substantial cuts ever across a wide range of popular businesses and brands. Stores are working hard to offer seasonal items and avoid supply chain problems. While major shops are expected to offer great bargains, it is essential to buy with local businesses, especially in the post-pandemic era. Based on the discounts offered last year, here’s a look at what you can expect this year.
Nordstrom
Nordstrom could offer up to 50% off hundreds of selected goods from leading brands, as was the case last year. Longchamp items, such as the Le Pliage Cuir Leather Shoulder Bag, were discounted by 20-30%.
Kiehl’s skincare sets
The Daily Hydrating Skincare Gift Set was discounted at $48 (original value $66), which includes full-sized versions of two Kiehl’s classics: Ultra Facial Cream with Squalane and the renowned Avocado Eye Cream, suitable for everyone.
Home Depot Refrigerators
Home Depot previously offered up to $900 off refrigerators. Refrigerator discounts of up to $900 are available at Home Depot on some of the greatest brands in large appliances. Shop for Black Friday deals on Samsung, LG, and Whirlpool appliances.
Amazon
Amazon has some of the best discounts, and the Black Friday sales are chock-full of must-haves!
Coach Outlet
You could get up to 70% off Coach Outlet bags, wallets, shoes, and more, plus an extra 25% off sitewide. You could also enjoy free shipping on orders of $50 or more.
Home Depot Dishwashers
Whether you’re searching for a low-cost dishwasher or an upgrade to one with all the latest features, Home Depot is expected to offer up to 30% off a wide selection.
Kohl’s
With its online Black Friday deals, Kohl’s brings its A-game. In the past, we’ve seen a much lower free shipping requirement, thousands of deep discounts, and $15 Kohl’s Cash for every $50 bought. Kohl’s is also known for launching Black Friday offers early.
Macy’s
Macy’s is the original Black Friday player and ideal holiday shopping spot. If you’re looking for Black Friday savings on name-brand and designer clothing, accessories, home goods, and beauty products, Macy’s is one of the best large retailers to visit.
Columbia
Columbia is one of the most popular travel brands, and its Black Friday deal should be taken advantage of.
Californians Footwear
You could get 25% off sitewide with a promo code with this brand. Use it on women’s walking shoes, men’s clothing, and other items.
Yummie
This retailer could take 40% off sitewide, and you might also be able to get tanks, camis, and bras for just $19 this Black Friday.
Russell Athletic
Shoppers could get up to 40% off on Black Friday this year. There is no need for a code.
Saxx
You could get 40% off sitewide on Black Friday and free shipping. Grab the bestsellers underwear, essentials, and more in holiday two-packs.
Thirdlove
On Black Friday, this renowned store could offer up to 75% off certain pieces, as well as 20% off on orders of $150 or more.
Tory Burch
You could get 30% off apparel, boots, and bags when you spend $250 on Black Friday, plus you might be able to get up to 50% off on discounted goods.
Apple
Amazon is now selling the second-generation Apple AirPods for $99. Last year’s Black Friday bargain brought it down to $90, saving you roughly $50.
Osprey
Osprey could offer 20% off everything, and many of its users consider the Fairview 55L backpack their all-time favorite.
Delsey
Delsey could offer up to 40% off this Black Friday, making it the ideal time to stock up on travel essentials!
Target
Target isn’t stingy with its discounts. This business provides online-only specials in the days and hours running up to Black Friday. There are also free shipping offers and discount codes available. During Black Friday, Target usually has a good assortment of toys, small kitchen appliances, and vacuums.
J. Crew
J. Crew could offer up to 40% off the retail price this Black Friday. While J. Crew isn’t a conventional travel brand, they consistently end up on top lists because they make comfortable, adaptable, and high-quality clothing.
CurrentBody
The previous year there was 40% off on the NuFace Mini beauty device, 28% off on the MZ Skin LED Light Therapy Mask, and rarely-offered huge discounts on practically everything else this sought-after beauty technology business sells. So, look out for discounts this year too.
Mattress Firm
During Mattress Firm’s Black Friday discounts, take advantage of incredible doorbuster deals on bedding packages. Last year there was 40% off bedding and pillows, unbelievable deals on throws and weighted blankets, up to 50% off on select mattresses, and next-day delivery in select regions.
Better-Not Younger
You might be able to save 15% on any purchase of $50 or more, 20% on purchases of $75 or more, and 30% on purchases of $125 or more by using promotional codes. So keep an eye out for them.
IT Cosmetics
This Black Friday, we anticipate a 30 percent discount over the entire site of the beauty company. Last year, orders of $75 or more received a free beauty bag, Bye Bye Makeup Balm, and Je Ne Sais Quoi Hydrating Lip Balm Treatment.
Pai-Shau
Pai-Shau offered a 25% discount on all magnificent hair products till November 29, last Black Friday. For orders above $125, customers also received a full-size Supreme Revitalizing Mask (worth $43).
Ulta
The cosmetic company had massive Black Friday bargains last year where you could save up to 50% off your favorite makeup brands. You could also use a unique code to get $10 off any qualifying $50 purchase.
Anatomie
Last year, it offered a 30% discount sitewide, expected this year as well.
Home Depot Tools
Home Depot could offer up to 40% off this Black Friday on anything from saws to drills. With big-name companies such as DeWalt, Ryobi, and Milwaukee participating, there are some amazing savings.
GlassesUSA
Look for 30% off on Ray-Ban, Oakley, and Persol frames with basic prescription lenses, plus get free shipping, similar to last year. Other non-premium frames were available for 65% savings and free shipping with promo codes.
Walmart
Walmart Black Friday’s internet deals have been fantastic in recent years, and we anticipate that this year will be even better. The company provides huge discounts on toys and other goods and is one of the few retailers that sell prized game systems.
Peepers
You could save 30% sitewide at Peepers.com and choose from a dizzying array of trendy and cheap glasses. Last year the sale included a range of $12 doorbuster items, and shipping was free for orders of $20 or more.
Audible
Last year, from November 1 to the end of 2021, an Audible Premium subscription was available for a 46% discount.
Skylight Calendar
Skylight Calendar, a touchscreen that dates work, chores, grocery lists, and more, helps families stay organized in every aspect of their lives. During the brand’s Black Friday sale, you could save $20.
Nomad Lane
Nomad Lane could offer a $40 discount on all items. The Nomad Lane Bento Bag is incredibly structured and has enough pockets to fit packing cubes. The Bento Bag’s most practical features are the trolley sleeve, which fits nicely on luggage and under all airlines’ seats.
Bed Bath & Beyond
There could be over 100 special discounts on Black Friday, including up to 50% off on bedding and 60% on home decor. Also, you could get 30% off select indoor and outdoor Christmas decorations.
Our Place
The Instagram-favorite cookware business slashed prices of its best-selling Always pan to $99 last year. Deals on drinking glasses, knives, cutting boards, and other accessories were also available.
Outdoor Fellow
You could get 30% off candles and reed diffusers, as well as other discounts on subscriptions and club orders.
Eddie Bauer
Eddie Bauer had 50% off sitewide for their Black Friday sale last year.
Rebecca Minkoff
Rebecca Minkoff offered 25% off orders of $150 or more, 30% off sales of $250 or more, and 35% off orders of $350 or more.
Misen
Like last year, the brand’s whole website was set at a 25% discount. It is Misen’s biggest sale of the year, and you’ll want to act quickly.
BJ’s
Last year, this warehouse store’s Black Friday sale offers were up to 40% off popular electronics. For $1,199.99 (a $400 savings), you could get the Samsung 65-inch Q8DA QLED 4K Smart TV with your choice of subscription and a three-year guarantee.
Colgate
Not to forget oral hygiene, last year Colgate gave up to 35% off Hum by Colgate oral hygiene necessities, and you also saved $35 on the Colgate Optic White Advanced LED teeth whitening system.
Peloton
Peloton subscribers can expect a 60-day free trial with unlimited sessions on the Peloton App. No special equipment is required.
FOREO
This beauty tech firm offered up to 50% off select beauty devices, including a 30% discount on the brand’s best-selling items.
Murad
As last year’s trend goes, this skincare brand offered 30% off sitewide and a gift with a $150 purchase.
Hexclad
You could shop for the Gordon Ramsay-approved hybrid cookware at a $300 discount last year. You could get either the seven or the thirteen-piece set.
Atlas Coffee Club
Coffee is an excellent addition to your morning routine. Make someone’s morning by gifting them some coffee. During the Black Friday Sale, you could save up to $55 on coffee gifts.
Kind Snacks
You could save 25% and get free shipping on orders over $40. This sale is an excellent opportunity to stock up on Dark Chocolate Nuts & Sea Salt Bars.
eBay
eBay has incredible online Black Friday prices on brand-new and refurbished products from top companies such as Fitbit and Nike, as well as Dyson and Mattel.
Etsy
Through the holiday sales on Etsy, you can expect to save up to 60% on items from all categories.
These are just a few of the fantastic deals offered last year. Look out for bigger and better ones this Black Friday.
A dishwasher is a machine that rinses and cleans all dirty dishes. Users must load the dishes, add a detergent, and set washing cycles to turn on a dishwasher. You must invest in a high-quality dishwasher that can help you save time and prevent the stress of washing the dishes manually. You will find multiple dishwashers in the market that may confuse your choices. Read on if you need help narrowing down your choices.
Before we talk about top dishwashers, it’s important to know how they work. A dishwasher uses warm water to splash on the arranged dishes. It opens the detergent dispenser automatically and sprays to shoot the water and clean the dishes. Then, it drains the dirty leftover water. It sprays more water to ensure the dishes are clean. Finally, it drains again and heats the air to dry the dishes.
Top dishwashers to choose from:
Samsung Top Control Dishwasher
The Samsung top-control washer works with linear wash technology. It has a unique spray arm to help spray every dish carefully without leaving behind dirt. Here are the features of the Samsung top-control dishwasher:
It has a flexible third rack to accommodate extra silverware
It has a built-in LED screen to manage and control cycle timings
It is enabled with smart technology that allows you to operate it anywhere
It has an auto-release door and insulated noise reduction
Bosch 300 Dishwasher
The Bosch 300 dishwasher is a reliable and well-designed machine that has an outer control panel for operation efficiency. The best part about the dishwasher is that it is spacious and energy efficient. Here are the features of the Bosch 300 dishwasher:
It has a sanitizing cycle to clean baby bottles and sippy cups
It has a half-load setting that helps reduce water wastage
It has adjustable racks to hold more utensils
It helps dry the dishes faster
Whirlpool Tall Tub Dishwasher
The Whirlpool tall tub dishwasher is a reliable and no-frills machine. The dishwasher has an indoor silverware rack that helps create additional space in the basin. Here are the features of the Whirlpool tall tub dishwasher:
It allows you to set the temperature to be heavy, normal, and high
It has one-hour wash cycles with heated, dry, and sanitized options
It has a soundproofing feature that helps reduce noise
Frigidaire dishwasher
The Frigidaire dishwasher gives you sufficient space to wash around 14 place settings in one go. The dishwasher also has a stainless steel food disposer to limit bad smell and maintenance concerns. Here are the features of the Frigidaire dishwasher:
It includes two spray arms to ensure even cleaning
It has an unobtrusive control pad to ensure operational efficiency
It has a vented and heated dry design
It ensures a high internal temperature to dry the dishes
LG Stainless Steel Dishwasher
The LG stainless steel dishwasher is an efficient machine that has the best features to work on the toughest dishes. The dishwasher also has an easy rack plus option that allows you to maximize the dishes in a single cycle. Here are the features of the LG stainless steel dishwasher:
Its QuadWash power feature helps clean dishes from multiple angles
It has a dynamic dry technology that helps deliver faster drying
Its soil sensor allows you to wash the dirtiest and toughest dishes
A dishwasher is the best way to reduce your manual load of cleaning dishes. The machine has reliable built-in technology that ensures to clean and dry all dishes with equal efficiency. You can choose one of the top five dishwashers and get rid of your kitchen worries in minutes. So, switch to your favorite dishwasher today and get ready to take over a smarter kitchen.