Different Types of Mortgage Programs

When it comes to obtaining a mortgage, borrowers have a variety of options to choose from. Three common types of mortgages are no doc loans, bridge loans, and adjustable-rate mortgages (ARMs). While these loans share some similarities, they also have significant differences in their terms and requirements.

No Doc Loans:

A no doc loan, also known as a stated income or low doc loan, is a type of mortgage that requires little or no documentation of the borrower`s income or assets. This type of loan was popular in the early 2000s and contributed to the subprime mortgage crisis. Today, no doc loans are much less common, but they can still be an option for borrowers with irregular income who may have difficulty providing extensive documentation. With a no doc loan, the borrower is able to simply state their income without providing extensive documentation. While no doc loans can be easier to obtain, they often come with higher interest rates and fees than traditional mortgages, and borrowers may be required to provide additional documentation or higher down payments. 5/1 ARM are of great benefit for investors to build up their portfolio.

Bridge Loans:

A bridge loan is a short-term loan that is used to bridge the gap between the purchase of a new property and the sale of an existing property. This type of loan is often used in situations where a borrower needs to purchase a new property before their existing property has sold. Bridge loans are typically secured by the borrower`s existing property and can be used for a variety of purposes, such as funding the down payment on a new property or covering temporary expenses until the sale of the existing property is completed. Bridge loans often have higher interest rates and fees than traditional mortgages and may require a significant down payment.

Adjustable-Rate Mortgages (ARMs):

An adjustable-rate mortgage, or ARM, is a type of mortgage where the interest rate can fluctuate over time based on market conditions. ARMs typically have a fixed interest rate for a period of time, often 5 or 7 years, and then the rate adjusts annually based on a specified index. ARMs can be beneficial for borrowers who plan on living in the home for a short period or expect their income to increase over time. However, ARMs can also be risky if interest rates rise significantly, as the borrower`s monthly payment can increase significantly over time.

In summary, no doc loans, bridge loans, and ARMs are all types of mortgages that can be used for different purposes. No doc loans may be easier to obtain for borrowers with irregular income, but they come with higher interest rates and fees. Bridge loans are used to bridge the gap between the purchase of a new property and the sale of an existing property, but they often come with higher interest rates and fees as well. ARMs can be beneficial for borrowers who plan on living in the home for a short period or expect their income to increase over time, but they can also be risky if interest rates rise significantly. Borrowers should carefully consider their options and work with a trusted lender to determine the best mortgage option for their specific needs and circumstances.

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School Portable: Appropriate or Not?School Portable: Appropriate or Not?

In the past,the term “school portable” referred to a motor vehicle,truck or other equipment that was used for travel to and from school. In recent years,however,this term has been expanded to include bikes,walking sticks,personal scooters,golf carts,even snowboards! Although not all of these motorized vehicles may be appropriate for a public place,they are probably safe for many locations where children congregate in and around schools,community centers,shopping malls,and so on.

Most schools have a policy about the use of this type of equipment. Some locations have special restrictions about the use of this type of vehicle. These are described below.

In locations where there is a specific school zone where only students are allowed to drive,parents must purchase a permit for the child (Ren) driving the school vehicle. Although it is not specifically mentioned in the school policy,many school districts allow older individuals who have been trained in safety to drive the school vehicle during school hours.

The driving policy of a school may prohibit the use of school portable devices within a school zone. A school may require all of its drivers to enroll in a training program and pass a written exam before operating a school vehicle on school property. However,school districts are encouraged to permit its drivers to operate the motorized vehicles in the school zone.

Generally,the use of school vehicles for purposes other than transportation is permissible as long as the student has the consent of the parents or guardian. Therefore,a student who wishes to use a motorized vehicle for an activity such as to go out for the evening or vacation will not be reprimanded.

For safety reasons,some school districts and parks may have restrictions on the type of equipment used by students. In some cases,these policies allow only one mobile device (i.e.,not more than one device may be used at any time,and it must be carried and visible) and prohibits the use of any other piece of equipment,such as a bike,when on school grounds.

Because of the cost of a regular moped,parents of younger children may want to consider using another device,such as a personal scooter,for their child (Ren). These devices are very cheap,are usually not covered by insurance,and can be rented in most areas.

For parking lot usage,parents should be aware that a parking lot is considered a non-motorized site. It is prohibited to have a school vehicle in a parking lot.

For field trip or other non-motorized usage,there are several options for transportation. If a student wishes to ride in a truck or van,they should know the policy of the location that they will be driving in. Although,some schools allow only a certain number of students to use these vehicles,they may be restricted from using them if they are found to be overcrowded.

If a student is going to be riding a moped or bicycle,a teacher can help him or her to purchase insurance for the vehicle. If the student decides to purchase insurance,they may want to contact an insurance agent before purchasing their insurance policy. Insurance agents will often offer a discount for students who do not purchase their own policy.

Parents may also choose to use their own vehicles to transport their children if they have other health reasons. However,this choice is up to the parent. In most cases,parents will need to follow the school policies regarding the use of school vehicles.

Once a student is enrolled,the school policies will generally take effect and provide guidelines for the operation of the school vehicles. Parents should review these policies and their child’s ability to drive at least annually.

New review of the best sling camera bagNew review of the best sling camera bag

Like all Peak Design’s bags, ingenious Flexfold compartment dividers keep your equipment arranged on the within, flexing at the middle to secure smaller sized items, or supply a ledge on which to stack two items on top of each other. Inside the main compartment, there’s a zippered pocket with 5 elastic compartments to save extra batteries, memory cards or cables, along with a cushioned sleeve for a tablet or 12 Macbook Retina.

The straps and buckles on the front of the Peak Design Everyday Sling 10L can be encompassed secure a little tripod or monopod. It doesn’t have a method to secure it at either end, but if you can tighten up the straps enough, it’s quite protected (depending on the weight of the tripod obviously).

Things about The Best Mirrorless Camera Bag For Travel – Zen Travellers

It has a one-handed quick-pull change buckle that you can use to lengthen the strap with one hand. It requires really little effort to rapidly lengthen, swing it around your body, then stow or take out your video camera. The ends of the strap can be tucked away into side recessed pockets, and the Everyday Sling 10L can likewise be used as a hip (fanny/bum) bag.

I imagine it is most helpful though for when you ride a bike. Design-wise, the Peak Design Everyday Sling 10L looks excellent and is extremely functional to boot. I own the Ash variation because of the leather brown accents which I like, but I secretly desire the newly released black variation too! The most popular colour to date seems to be the Charcoal variation, with its red accents see all the colours here.

Things about The Best Mirrorless Camera Bag For Travel – Zen Travellers

8 x 205. 74 x 162. 6 mm)589. 67 g (1. 3 pound/ 20. 8 oz) In spite of its rather complicated name, the Altura Sling Backpack is a camera sling bag through and through, in that it offers just one shoulder strap with which to carry your equipment. For those who are possibly more active with their shoots, the Altura Sling Backpack likewise offers a quick-release chest strap to supply a more protected fastening to your body.

A good touch is that you can tuck the chest strap away into a concealed pocket at the base of the bag when not in usage. The Altura Sling Backpack offers two main gain access to points one through a ‘side door’, which permits you to grab your video camera or lens quickly while the bag is still connected to your body (by sliding it around to your front).

Things about The Best Mirrorless Camera Bag For Travel – Zen Travellers

The internal dimensions are 10. 2 high, 8 wide and 5 deep one of the most significant in its class. Near the top of the Altura Sling Backpack, there’s likewise a small zippered pocket which is perfect for smaller sized devices such as flash sets off, extra batteries or a set of secrets.

It’s great how this pocket has a ‘flap’ at the top (see video), which prevents items from sliding out when you fold the door flap back. Inside the leading zippered pocket there’s another one of these mesh pockets too. A terrific feature of the Altura Sling Backpack is the strap with clips on the front.

Things about The Best Mirrorless Camera Bag For Travel – Zen Travellers

When secured, however, it likewise suggests that the front flap can only open half way (see video below), stopping all your equipment from falling out when you attempt and retrieve an item while the bag is still on your back. It opens up just far enough to be able to quickly get rid of or stow your video camera, then you can unclip the straps and open the flap even more to get rid of other items of equipment.

Throughout the evaluation, I chose to keep it empty to assist with the overall balance of the bag while carrying, although you might use the waist strap to off-set it somewhat. In terms of its style, the outside is good and easy with a primarily black style and grey centre strap.

Things about The Best Mirrorless Camera Bag For Travel – Zen Travellers

The Altura Sling Backpack is likewise good and light and works well as a camera sling bag even when totally filled, as it remains fairly well-balanced in terms of its weight circulation. The cushioning on the back of the bag is a nice touch something you remarkably don’t see on all video camera sling bags.

At under $30, you’re getting a fully-featured video camera sling bag with several storage and carry alternatives, ingenious functions, downplayed appearances and high quality. Small style functions like the cushioning beside the quick release clip to prevent rubbing on your hip, the leading grab manage and the see-through mesh zippered pockets for at-a-glance equipment verification all amount to an effectively believed out bag at a rate point to fit any wallet.

Things about The Best Mirrorless Camera Bag For Travel – Zen Travellers

3 x 5. 7 x 16. 1 (439. 42 x 144. 78 x 408. 94 mm)476. 27 g (1. 05 pound/ 16. 8 oz) The Lowepro Passport Sling III is a tremendously popular video camera sling bag, that actually has legions of non-photographer fans too. Comfy, trendy, light-weight, and an innovative figure-hugging style make this the bag that I’ve chosen to take travelling with me this year.

Best RV Parks in FloridaBest RV Parks in Florida

The state of Florida, also known as the Sunshine State, is a famous RV destination, especially during winter. The state has a wide range of RV parks that are easy to find. Tourists can choose from various places to stay during their trip, from rustic and cozy retreats to high-end private resorts. 

So if you’re looking for destinations in the state that are perfect for your RV trip, then we’ve got you covered. Below is a list of some of the best RV parks in Florida.

1. Topsail Hill Preserve State Park, Santa Rosa Beach

With about 1,640-acre of land, the Topsail Hill Preserve State Park is widely famous for its incredible dunes found in its soft sandy beaches and crystal clear waters. It offers tourists about three miles of amazing beaches and various recreational activities such as hiking, swimming, and bird watching. 

2. Florida Caverns State Park, Marianna

The Florida Caverns State Park is truly a natural wonder.  It features a display of stunning stalagmites, stalactites, flowstones, and draperies. Tourists can enjoy a breeze of cool air and relaxing sounds of dripping water during their tour in its caverns. The park also offers outdoor activities such as hiking, camping, biking, equestrian, and many more. 

BTW, if you are interested in topics like this, check out this article.

3. Fort Pickens Campground, Pensacola

Located in Santa Rosa Island, the Fort Pickens Campground will drive you back in time due to its nostalgic feel. Tourists who visit the island can enjoy a scenic view of the seashore and a taste of the Island life. It also has historical sites for tourists to discover and explore.

Some of the recreational activities you can do there are hiking, biking, swimming, fishing, and many more. 

4. Anastasia State Park, St. Augustine

The Anastasia State Park features stunning tidal marshes, unspoiled beaches, maritime hammocks and ancient sand dunes. It is a haven for nature enthusiasts due to its abundant wildlife and natural resources. Recreational activities offered in the park include canoeing, kayaking, bird watching, camping, and many more. 

5. Juniper Springs National Recreation Area, Ocala

Juniper Springs is one of the oldest and famous recreation sites on the East Coast. Its located in the Ocala National Forest east part of Florida. The campground is a must for every RV trip itinerary as you’ll get to enjoy its calm, crystal clear fresh water from the spring as well as other recreational activities, including kayaking and canoeing. 

6.  Disney’s Fort Wilderness Resort, Orlando

Are you bringing the kids with you during your trip? Then head over to Disney’s Fort Wilderness Resort in Orlando. Both children and adults alike would enjoy the themed camping resort.

Tourists who stay here can experience the timeless beauty of the American frontier and enjoy various outdoor activities, including hiking in its woodland trails, swimming in its pool areas, and watching fun entertainment at this picturesque campground. 

7. Fort De Soto Park, St. Petersburg

Fort De Soto Park is the largest park inside the Pinellas County Park System. It features 1,136 acres of five interconnected islands and is known as one of the RV destinations due to its fantastic beaches and wildlife. Tourists can go biking, hiking, kayaking, camping, and many more as they explore the beauty of the park.

8. Lion Country Safari KOA, Loxahatchee

Located in Loxahatchee, the Lion Country Safari KOA will surely give you a unique experience during your stay. You’ll be able to hear the sounds of lions roaring in the background as you camp in its area as well as about 1000 other animals. The campground features a basketball court, a massive pool, a volleyball court, and shuffleboard perfect for recreational activities with your family.

It is also pet-friendly, wherein it has a dog park to allow your dog to play without a leash.

9. Bahia Honda State Park, Florida Keys

Bahia Honda State Park features a breathtaking view of the Florida scenery. With its crystal clear waters, palm-lined beaches, and stunning sunsets, tourists will indeed have a memorable experience during their stay. It offers outdoor activities such as snorkeling, kayaking, boat trips, and many more. 

10. St. George Island State Park

A favorite beach lover site, the St. George Island State Park offers a taste of the Island paradise you’d always want. Tourists can enjoy a breathtaking view of the sunset and have fun with various activities such as boating, fishing, camping, and many more.  

Best RV Parks in Florida 

The state of Florida, also known as the Sunshine State, is a famous RV destination, especially during winter. The state has a wide range of RV parks that are easy to find. Tourists can choose from various places to stay during their trip, from rustic and cozy retreats to high-end private resorts. 

So if you’re looking for destinations in the state that are perfect for your RV trip, then we’ve got you covered. Below is a list of some of the best RV parks in Florida.

Topsail Hill Preserve State Park, Santa Rosa Beach

With about 1,640-acre of land, the Topsail Hill Preserve State Park is widely famous for its incredible dunes found in its soft sandy beaches and crystal clear waters. It offers tourists about three miles of amazing beaches and various recreational activities such as hiking, swimming, and bird watching. 

Florida Caverns State Park, Marianna

The Florida Caverns State Park is truly a natural wonder.  It features a display of stunning stalagmites, stalactites, flowstones, and draperies. Tourists can enjoy a breeze of cool air and relaxing sounds of dripping water during their tour in its caverns. The park also offers outdoor activities such as hiking, camping, biking, equestrian, and many more. 

Fort Pickens Campground, Pensacola

Located in Santa Rosa Island, the Fort Pickens Campground will drive you back in time due to its nostalgic feel. Tourists who visit the island can enjoy a scenic view of the seashore and a taste of the Island life. It also has historical sites for tourists to discover and explore. Some of the recreational activities you can do there are hiking, biking, swimming, fishing, and many more. 

Anastasia State Park, St. Augustine

The Anastasia State Park features stunning tidal marshes, unspoiled beaches, maritime hammocks and ancient sand dunes. It is a haven for nature enthusiasts due to its abundant wildlife and natural resources. Recreational activities offered in the park include canoeing, kayaking, bird watching, camping, and many more. 

Juniper Springs National Recreation Area, Ocala

Juniper Springs is one of the oldest and famous recreation sites on the East Coast. Its located in the Ocala National Forest east part of Florida. The campground is a must for every RV trip itinerary as you’ll get to enjoy its calm, crystal clear fresh water from the spring as well as other recreational activities, including kayaking and canoeing. 

Disney’s Fort Wilderness Resort, Orlando

Are you bringing the kids with you during your trip? Then head over to Disney’s Fort Wilderness Resort in Orlando. Both children and adults alike would enjoy the themed camping resort. Tourists who stay here can experience the timeless beauty of the American frontier and enjoy various outdoor activities, including hiking in its woodland trails, swimming in its pool areas, and watching fun entertainment at this picturesque campground. 

Fort De Soto Park, St. Petersburg

Fort De Soto Park is the largest park inside the Pinellas County Park System. It features 1,136 acres of five interconnected islands and is known as one of the RV destinations due to its fantastic beaches and wildlife. Tourists can go biking, hiking, kayaking, camping, and many more as they explore the beauty of the park.

Lion Country Safari KOA, Loxahatchee

Located in Loxahatchee, the Lion Country Safari KOA will surely give you a unique experience during your stay. You’ll be able to hear the sounds of lions roaring in the background as you camp in its area as well as about 1000 other animals. The campground features a basketball court, a massive pool, a volleyball court, and shuffleboard perfect for recreational activities with your family. It is also pet-friendly, wherein it has a dog park to allow your dog to play without a leash.

Bahia Honda State Park, Florida Keys

Bahia Honda State Park features a breathtaking view of the Florida scenery. With its crystal clear waters, palm-lined beaches, and stunning sunsets, tourists will indeed have a memorable experience during their stay. It offers outdoor activities such as snorkeling, kayaking, boat trips, and many more. 

St. George Island State Park

A favorite beach lover site, the St. George Island State Park offers a taste of the Island paradise you’d always want. Tourists can enjoy a breathtaking view of the sunset and have fun with various activities such as boating, fishing, camping, and many more.