![]() ![]() The property must be used as a primary residence.The property is paid off or with a low mortgage balance.Homeowners must be at least 62 years older.The limit has gone up every year in recent years. The lending limit for a reverse mortgage is $1,089,300 in 2023. The current reverse mortgage interest rate is between 6.7% - 7.3% as of January 2023 depending on the lender, the borrower's credit score, and other qualifications. The interest rate for a reverse mortgage is higher than a traditional mortgage and home equity loans. What is the interest rate on a reverse mortgage? No, there is no check for DTI, but lenders do check for residual income. Ideally, the borrower should have a DTI of 36 or lower. Yes, most lenders will not grant mortgages to borrowers with a DTI over 45. However, homeowners must show residual income to prove they have the ability to pay property taxes and maintain and repair the house. ![]() No, since the borrower is not required to make monthly payments to pay off the mortgage balance, no credit score and income checks are needed. They check income and employment history to make sure borrowers are financially strong to repay the mortgage. Yes, lenders check credit scores to determine the interest rate the borrower will get. Yes, homeowners must own the house outright or have a very low mortgage balance to qualify for a reverse mortgage. However, it can be as low as 3% depending on the lender. No, most lenders prefer a 10% down payment. Therefore, the principal amount increases instead of decreasing over time. No, no monthly payments are required from the homeowner. Yes, homeowners are required to make monthly payments to reduce the principal amount and interest payments. Yes, homeowners need to be at least 62 years old to qualify for reverse mortgages. No, in most states, borrowers only need to turn 18 to qualify for a traditional home mortgage. The homeowner pays property tax and insurance, HOA fees, and maintains the house. When a borrower takes out a reverse mortgage, he has the title to the home. There are similarities between a reverse mortgage and a traditional mortgage. Since there are no monthly payments, the mortgage balance goes up every month and the homeowner's equity in their house decreases over time. The homeowner is required to pay off the loan once he permanently moves out, sells the house, or dies. On the other hand, a reverse mortgage does not require monthly payments. The main difference between a reverse mortgage and a traditional mortgage is that with a traditional mortgage, homeowners are required to make monthly payments until the mortgage is paid off. How much a homeowner can borrow is determined by a few factors, the value of the house, the homeowner's age, the interest rate, and the homeowner's equity in the house. To apply for a reverse mortgage, the homeowner needs to own the house outright or have substantial equity in the house. A reverse mortgage gives them the option to have cash in hand.Ī reverse mortgage is a special type of mortgage that is only available for homeowners who are 62 years or older. In other words, the homeowner's net worth is mostly tight to their home and does not have much cash for spending after they retire. The reverse mortgage is designed for homeowners who are house-rich but cash-poor. Reverse Mortgage Amortization Schedule Month #Ī reverse mortgage is a type of home mortgage that allows homeowners to borrow money against their home and does not need to make monthly payments. The total amount is $417,888.12 after 15 years.
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7/25/2023 0 Comments Ginger and peppermint tea benefits![]() But, ginger is probably most effective against nausea when brewed into a tea. You can access the benefits of ginger by blending ginger juice into smoothies, or using fresh sliced ginger root in recipes for beef, chicken, fish, vegetables and salads. pylori - the pathogen behind many stomach ulcers.Ĭombine ginger, peppermint for a “one-two punch” against nausea, vomiting and indigestion In other words, peppermint “means business,” killing at least 20 different disease-causing bacteria such as E. More good news: peppermint is one of the most potent antimicrobials known to botanical medicine. ![]() Like ginger, peppermint appears to address digestive problems without causing serious adverse effects. Peppermint oil also has been shown to relieve symptoms of irritable bowel syndrome (IBS). In a recent review of literature, scientists praised peppermint’s ability to relax smooth muscles in the digestive tract, relieve abdominal cramps in children, ease heartburn and alleviate postoperative and chemotherapy-induced nausea. (In fact, peppermint is sometimes used to decrease spasms during endoscopies and colonoscopies.) While herbal healers have treasured peppermint since antiquity, new research is confirming this ancient wisdom. An important health “superpower” of this beneficial herb is its antispasmodic effect, which allows it to relieve abdominal cramps and stomach pain. Peppermint owes much of its stomach-soothing properties to its active constituent, menthol. Incidentally, this versatile herb not only has anti-inflammatory and analgesic properties, but is also antimicrobial, immune system boosting, anticancer and antidiabetic!įor abdominal cramping, it’s peppermint to the rescue The impressed researchers characterized ginger’s therapeutic abilities as “very promising.” The authors reported that ginger even had a small but significant effect on weight loss - helping to reduce body fat mass, percentage of body fat and waist circumference. ![]() Ginger was also found to protect stomach tissue, prevent constipation and promote gastric emptying by 25 percent. In fact, ginger has even been determined to be safe during pregnancy.Īnd, that’s not all. Unlike metoclopramide - which can cause an irreversible movement disorder known tardive dyskinesia – ginger was found to cause no serious adverse effects. And, ginger worked to reduce everyday, “garden-variety” nausea and indigestion as well, with one study even showing that ginger extract was as effective as metoclopramide, a pharmaceutical drug commonly used for heartburn. (In fact, the use of ginger for nausea has been shown to improve quality of life for cancer patients). The authors concluded that many studies showed that ginger had a “positive” effect on the prevention and treatment of chemotherapy-induced nausea and vomiting. In a 2020 review of literature published in Nutrients, researchers evaluated a series of randomized controlled trials on the effects of ginger – and reported impressive results. These enzymes also can help the body break up and expel gas that forms in the intestinal tract during digestion. One of the ways in which ginger seems to support digestion is by promoting the activity of a pair of enzymes, trypsin and pancreatic lipase, which are essential for proper gastrointestinal function. ![]() Researchers believe that much of ginger’s therapeutic power derives from its active antioxidant compounds, which include gingerols, shogaols and zingiberone. In more recent times, ginger has gained attention for its ability to treat post-surgical nausea and chemotherapy-induced nausea as well. Ginger is the “O.G.” of herbal remedies for nauseaįor centuries, natural healers have advised ginger to treat digestive upsets, including nausea and vomiting from motion sickness, sea sickness and pregnancy. When it comes to promoting digestion and addressing a troubled tummy, it’s hard to beat the combination of these two stomach-soothers, especially when they are brewed into a calming tea. Like ginger, peppermint has significant medicinal value as well, and a long history in herbal healing. Peppermint, a popular flavoring agent, is commonly used in candies, cookies, breath mints and toothpastes. This refreshing condiment is also highly valued in the Ayurvedic and traditional Chinese healing systems for its anti-inflammatory and painkilling properties. A key ingredient in Asian, Indian and Caribbean cuisines, ginger imparts its clean, spicy flavor to a wide assortment of drinks, baked goods and recipes. 7/25/2023 0 Comments Hostal santa marta playa![]() ![]() Hopefully by now you’ve found the perfect hostel for your upcoming trip to Santa Marta. More Epic Hostels in Colombia and Latin America In times of uncertainty, I advise that you to just go with my top overall pick for the best hostel in Santa Marta: The Dreamer. Happy travels! Still having trouble picking the right place? Not sure which hostel is the best hostel in Santa Marta for you? Where you stay def matters! Hopefully one of the hostels featured on my list caught your eye and will be in your backpacking future! The goal in writing this guide was to put all of the best accommodation options out in the spotlight so that you can easily book the best hostel in Santa Marta that bests suits your own traveling style.īackpacking Colombia and Santa Marta specifically is bound to be a fantastic, rewarding experience. With the help of this hostel guide, you are now ready to book a hostel in Santa Marta that is as much an awesome hostel as it is a safe one. That said, it is always a good idea to be aware of potential safety risks and stay in the best possible areas of any given place when possible. Santa Marta is definitely included under that umbrella. Well amigos, that’s all I got: You have made it to the final chapter of my best hostels in Santa Marta 2021 lists!įor the most part Colombia is a super safe country to go backpacking in. There is a hostel for every backpacker on my list! Whether you are on the hunt for the best party hostel, the best hostel for digital nomads, or just the cheapest possible place to lay your head, this hostel guide has got you covered. Get all the insider tips on the best and safest places to stay in Santa Marta. That is exactly why I wrote this guide to the best hostels in Santa Marta 2021! However, there are still a few areas that fall into the sketchy category. That said, touristy Santa Marta is considered to be quite safe when compared to some of the neighboring cities. Santa Marta is also the gateway to Tayrona National Natural Park and a multitude of treks including the hike to the Lost City.Īs this is Colombia we are talking about, a visit here is not without its dangers. Santa Marta, Colombia is a major hub for backpackers keen to explore some of the top sites in the country.Īs a port town located on the Caribbean coast of Columbia, nice beaches, great scuba diving, and chill vibes are never too far away. 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