Home Equity Conversion Mortgage (HECM) program is the most popular of the reverse mortgage program due to the fact that this program is attested and backed by the federal government. The reverse mortgage rates under the HECM model are less expensive compared to other programs in the market. This is because of the government participation as well as the strict eligibility criteria that qualifies an individual for the program. While there is no set structure that can turn up the average mortgage, the calculation of the eligible amount depends on the four important factors such as the borrower's age, the net value of the property, the current market interest rates, and the pre-approved loan amount sanctioned for the county. The main factor that determines the eligible amount is mainly the mortgage limit that has been approved by the Federal Housing Administration (FHA) for the respective counties, as a result of which the rates may vary greatly between some areas. The eligibility amount for a reverse mortgage loan is the comparison between the appraised value of the property and the FHA mortgage limit. The lesser of the two amount is factored as the eligible amount and the current 10-year LIBOR swap rate as well as the lender's margin is added to calculate the expected rate. Adding in the age of the youngest eligible spouse will result in the Principal Limit Factor (PLF). To calculate the total upfront loan cost, the loan origination fee along with the extra costs associated with closing should be included with the initial mortgage insurance premium amount. It is essential to consider how much the individual would be able to afford for the upfront cost associated with the finance because some people may source this cost outside the loan. While others may be fully dependent on the loan or may require only a certain percentage of the loan dedicated towards this cost. The last calculation would be to factor in the life-expectancy requirements that have currently been deemed essential to calculate the financial assessment of the borrower. The final step after the separate determinations would be to calculate the HECM credit, that is available for the mortgage loan by adding the PLF, the costs and the set asides. Accordingly, a borrower would be able to determine the net amount that would be available to them in the form of either tenure or term payments. Based on the individualistic needs, one can chalk up a payment method that would suit their financial situation. In order to understand the intricacies involved, one can always get the aid of a reverse mortgage counselor for better clarity and planning of the loan.

Dips are the essence of every party menu. They accentuate and enhance the flavor of the dullest of food items and embellish the texture and taste of breads, chips, crackers and otherwise bland dippers. Dips can be made by either baking and cooking or simply blending. If you are low on time and inclination to go elaborate on dips, check out these no bake quick and easy dips to sooth your palate and senses! Zesty Green coriander and basil dip The best part about this dip is that it is light on stomach and gets made in a jiffy. Blend basil leaves, coriander, Greek yogurt, olive oil, vinegar black pepper, red pepper and some green onions in a food processor and blend it for about ten times. Empty the jar into a bowl and chill overnight. Serve this party dip with sides and appetizers and see how your guests relish this tasty treat! Salmon and Dill Dip This is a great party dip to be served with a variety of crackers, cocktails and even breads! To blend this lip smacking dip, add sour cream, tabasco, mayonnaise, dill and smoked salmon in a blender and pulse until you get an even and rich consistency. You could also add herbs and seasonings to taste. This dip is a total crowd pleaser and works wonderfully well during party brunches and evening cocktails alike! Ten-minute Tangy tomato dip This is best enjoyed on a day out with friends and family. To make the dip, put sun dried tomatoes, sour cream, mayonnaise, tabasco and kosher salt in a jar and blend well. Garnish with chopped scallion and serve with fresh veggie sticks! Black beauty dip This may not look like one of the most appetizing dips but it surely is the most flavorful and punchy! Made with black bean, onion, cumin, lime, jalapenos, garlic and water, this blend is certainly going to blow your mind! Packed with a bunch of tantalizing flavors this black beauty will receive a special mention among all your guests! Hummus This tried and tested dip is a total favorite among guests and when it's homemade the excitement only gets multiplied. This recipe is super easy to whip up. In a blender, add soaked or canned chickpea, sesame tahini, lemon juice, roughly chopped garlic, cumin, olive oil, pepper and salt. Pulse the mixture till you get a velvety smooth consistency. You could set aside this creamy dip and sprinkle some parsley and paprika on top. This Mediterranean twist to your party menu is a great way to tickle all taste buds!

Leukemia means cancer that affects blood cells. Leukemia begins inside the bone marrow, where blood cell production takes place. There are different types of blood cells but leukemia usually targets white blood cells. These white blood cells fight infections. When these cells begin to grow abnormally, it impairs their infection-fighting function. Leukemia can be chronic or acute. Chronic leukemia develops at a slower pace than acute leukemia. Further classification of leukemia is based on the type of blood cells affected by the disease. The leukemia that targets white blood cells (lymphocytes) is called lymphocytic leukemia. Myelogenous leukemia targets red blood cells, granulocytes or platelets. Types of Leukemia Based on different classifications of the disease, there are several types of leukemia. • Acute lymphocytic leukemia (ALL) This is the most commonly-occurring leukemia. It mostly occurs in children but can affect anyone. • Acute myelogenous leukemia (AML) This type of leukemia can affect people of all groups but most commonly is seen in adults. • Chronic lymphocytic leukemia (CLL) It can develop in adults without manifesting any signs of the disease for long periods of time. • Chronic myelogenous leukemia (CML) The symptoms may not show for years but then escalate quickly. • Others Hairy cell leukemia is a rare type of leukemia. Others can be myelodysplastic syndromes and myeloproliferative disorders or an AML subtype known as acute promyelocytic leukemia. Causes: There is no known cause of leukemia. It can occur due to environmental or genetic reasons. The former can include exposure to a chemical like benzene or radiation. Symptoms: The symptoms of leukemia can vary depending on the type and classification of the disease. But common symptoms are • Pain in bones, belly ache • Fever, chills, night sweats • Lumps in the groin area, swelling in the lymph nodes • Extreme fatigue, unexplained weight loss, poor appetite • Recurring infections, frequent occurrence of bleeding (from nose, gums or rectum) and easy bruising Diagnosis: The diagnosis of leukemia can involve blood tests and a physical examination to check for lumps and swellings in the body. Depending on the blood test results, the doctor may order a biopsy of the bone marrow to confirm the diagnosis. Treatment: Timely treatment and family support is crucial to help patients cope with this devastating type of cancer. Treatment for leukemia can depend on the type and stage of the cancer as well as the patient's health. • Chemotherapy This is the major treatment option for all types of leukemia. The drugs can be administered in pill form or through injections. • Targeted therapy This involves use of drugs to stop the abnormal growth of blood cells by targeting specific problems inside the cells. • Radiation Special beams or X-rays target cancerous cells to prevent them from multiplying. • Biological therapy A process that aids immune system to kill cancerous cells. • Stem cell transplant This is a complex procedure to replace the diseased bone marrow. This process helps with the production of new and healthy blood cells.

The most effective eczema treatment is to remove the allergen that is causing the allergic reactions. These allergies develop rashes and itchiness causing high levels of discomfort. The home remedies for eczema treatment may vary from simple to hard levels. Changing laundry detergents and fabric softeners are easy ways to reduce eczema. Eczema is a dermatological term used to identify certain medical conditions. It is more prominent in infants and children rather than adults. The main areas affected are limbs, inner curves of elbows, knees, and face. The swelling is red, thick, and dry. The blisters are vulnerable and bursts open with a slight rub. It takes around a week or so to heal. The main irritation is due to excessive itching that can bruise the skin. Causes of eczema The exact cause of eczema is yet to be analyzed. A potent cause could be the overactive response of the immune system to allergens. The allergens can be identified as one of those listed below. • Soaps and detergents • Certain fabric or cloth • Animal Dander • Exposure to extreme hot or cold conditions Another important factor that may flare up eczema is stress. Eczema treatment There are a number of eczema treatment options available and a few of them are mentioned below. Vegetable shortening Vegetable shortening is a thick and greasy kitchen staple. It is useful in healing dry and patchy scars. Therefore, it is helpful in eczema treatment. Apply the shortening to the affected areas and cover with a plastic wrap. Seal the mouth with a surgical tape. Leave the moisturizer to seep in for 2 to 4 hours. Repeat this process daily until the scars heal. Ice-cold milk wash Ice-cold milk soak wash is yielding during eczema treatment as it cools the blisters. Soak a washcloth in ice-cold milk and apply on the itchy perimeters. This will have a cooling and healing effect on the rashes. Repeat the process several times a day to ease the discomfort. Chamomile Chamomile has natural soothing properties that act as a great eczema treatment. You can consume chamomile tea as it relaxes your nerves and aids in the healing. You may also take a chamomile bath to soothe your scars. Boil water and let it cool slightly. Add 4 to 5 tea bags of chamomile and allow it to soak in the water. You may also use chamomile leaves. Strain the leaves in a tea strainer and mix the tea in your bath water. Blend the tea in the water and soak yourself in it. You may sip along with some extra tea for added relaxation. Turmeric Turmeric is a natural spice that has anti-inflammatory and antibacterial properties. It is known to reduce inflammation and itchy skin. Thus, it can be considered as an option for eczema treatment. The curcumin antioxidant present in turmeric has properties to neutralize free radicals. Turmeric can be eaten raw or added as a spice to rice, pasta, and vegetables. Probiotics Probiotics introduce healthy bacteria and reduce eczema inflammation. Probiotics are another option available for eczema treatment. Eczema is often hereditary, so the transfer can be stopped by administering probiotics. Probiotics are taken by pregnant mothers before 2 to 4 weeks of delivery. Probiotics are even added to infant food. It has been observed that the babies who had probiotic food had fewer chances of suffering from eczema. Improving balance of gut bacteria is a part of eczema treatment. Aloe vera Aloe Vera is a natural herb that is known for its anti-inflammatory properties. It has shown a positive result in psoriasis and eczema treatment. The aloe vera gel has cooling components that soothe the skin instantly. Thus, you feel relieved. Aloe vera plant can be grown in a pot so it is advised to keep one at home. You can extract the gel from the leaves. Natural aloe vera gel is available in all leading drugstores also. Hempseed oil Hempseed oil is a proven cure for eczema, psoriasis, and other skin diseases. It is rich in fatty acids like omega 3 and omega 6. The fatty acids trigger the natural immune system and fasten the healing procedure. Consumption of the hemp seed oil improves blood vessels and cures from within. Applying hemp seed oil helps to soothe the itchy and dry skin. So, it has the power to heal inside out and a resultant eczema treatment. Essential proteins for eczema treatment • Fatty acids like omega 3 are said to relieve inflammations and allergies. Nuts and fish are rich in omega 3 fatty acids. Consumption of fatty acids is helpful as an eczema treatment. • Vitamin A and E are useful in reducing dry itchy skin. They also reduce eczema to spread or flare-up. • Zinc is another element that has great healing powers. It is highly recommended for eczema treatment as it boosts the function of fatty acids. Thus, it accelerates the healing process.

The quality of life depends on the mattresses you invest in and a good-quality mattress should be your first choice. Technology has an impact on our way of living. A good sleep is required for your well-being and with quality mattress, you can get a sound sleep. This is an important element of a healthy life but only a few understand the value of a high-quality mattress. Everyone has a different preference when it comes to mattresses. For example, teenagers generally sleep on their stomach and prefer something soft as compared to adults who sleep on their back. Buying the best mattress is a matter of personal choice and here are some of the best mattresses that you could invest in.

Amerisleep AS3

Amerisleep is rated the highest by customers on the brand's website as well as on the third party sites. The foam in the mattress is top rated and is highly preferred by many. This is because the foam is homemade with more air that keeps you comfortable and cool and it is very soft that helps you bounce back faster. This becomes important as you don’t feel stuck in the same place while changing positions in your sleep. The mattresses have a special transition that provides pain relief in pressure points like the lower back and shoulder. For many, the mattress is selected for the kind of back support it provides, and therefore, Amerisleep AS3 is regarded as one of the best mattresses to buy.

Loom & Leaf

Loom & Leaf mattresses are considered as the best mattresses to buy for their superior quality and reliability. The foam of the Loom & Leaf is plant-based and organic, which has a positive effect on both the environment and your sleeping habits. The positive customer reviews and warranty makes it attractive for many to spend some extra dollars on the Loom & Leaf mattresses. Loom & Leaf is new in this sector but the quality and comfort they provide have taken their name to the top in no time.

Tempurpedic Cloud Supreme Breeze

This is regarded as one of the top-rated mattress brands by customers on its website, and thus, falls into the category of the best mattresses to buy. The foam density is both high and medium, thereby making you feel softer and cooler at the same time. Many select mattresses according to the weather outside and Tempurpedic mattresses suit all weather conditions due to the presence of the dual foam. This is because the foam gets softer in hot conditions and harder in cold conditions. It is advisable for you to sleep on a hard mattress in cold conditions and Tempurpedic provides you with the correct foam. They are also priced low for the supreme features they provide.

Sealy Optimum Elation

Sealy Optimum Elation is one of the best mattresses to buy as per the customers' ratings. This is because they range slightly above the normal mats and have medium firmness. They are made two inches above the quilt layer with gel memory to give some relaxation at the pressure points. The mattress also provides extra support as it is thicker in its foam due to which you are highly comfortable while resting on it. The Sealy Optimum mattresses are priced at a premium rate that is affordable by many in the market. The high customer pricing is also for the fair prices that makes the mat a good competition compared to many others. The mattresses you choose to sleep on contributing to an important aspect of your life. Sleep is the most important activity to a human, and can easily affect the quality of the other activities undertaken during the day. A good mattress indicates good sleep which in turn, keeps you healthy. Before selecting the brand for the best mattresses to buy, it is advisable to know what kind of a sleeper you are, which will significantly affect your buying decision. If the mattress has great customer reviews, high quality of foam, and is priced within the budget, then consider it the best mattress buy.

There are innumerable causes of skin rashes. Zeroing in on one will be difficult. However, you can refer to skin rash photos that are widely available online to understand what exactly has caused the skin rash. Although looking at skin rash photos available online can give a fair idea of what is affecting your skin, it is best to consult a dermatologist and receive immediate medical attention. In case you notice rashes on your skin, the following can give you a little hint regarding what caused the rash to appear on your skin:

• Bites and stings: Insect bites and stings cause rashes on your skin. The reaction and the symptoms vary based on the insect and the affected individual as well.
• Fleabites: Flea bite rashes are quite common, and they appear reddish.
• Eczema: A common skin condition, the symptoms include dry, scaly skin and severe itching.
• Ringworm: A fungal skin infection, the symptoms include itchy, reddish rashes that are circular.
• Yeast infection or candidiasis: It is a common infection that mainly affects the genital regions. The symptoms include soreness, pain and itching, burning sensation and irritating rashes.
• Fifth disease: It is also known as erythema infectiosum and is caused by parvovirus B19. The symptoms of this disease include blotchy red rashes on the cheeks.
• Impetigo: This is a highly contagious skin condition that affects children. The signs of this disease are red, itchy patches that appear on the skin.
• Shingles: This is caused by a virus named varicella-zoster, which is the same virus that causes chicken pox. It infects the nerves and causes painful rashes on the skin.
• Measles: It is a contagious disease caused by the rubeola virus. The symptoms include the appearance of reddish-brown rashes and small grayish-white spots with bluish-white centers in the mouth.
• Lyme disease: It is a bacterial infection caused due to the bite of an infected tick. The symptoms include rashes that often appear in the earlier stages of the disease.
• Lupus: It is an autoimmune disease, which means that the immune system attacks healthy tissues. Rashes, especially on the cheeks, are common symptoms.
• Dengue fever: It is transmitted by mosquitoes. One of the earliest symptoms includes large patches of rashes that appear all over the body.

Skin rash pictures are essential for understanding which rash you are suffering from. Scrutinize skin rash photos and your rash to help your doctor diagnose your condition.