Statistics show that nearly 80% of people who live on rent want to buy their own home, but most of them can't afford to do so. Mortgage rates are skyrocketing and property listings are gaining value by each passing day making it very difficult for applicants to secure a sizeable loan or even afford to pay for the downpayment. The following financial grants and programs, however, are a blessing in disguise giving you the opportunity to buy your very first home.

• Federal Housing Loan (FHA) FHA loans are available for the first time home buyers offering competitive interest rates, manageable down payments, and more importantly lower closing costs. Closing cost is one of the major expenses when you borrow conventionally, making FHA loans a popular alternative. FHA loans are also easy to avail with a credit score of 580 or higher wherein you can make a downpayment of just 3.5% approximately of the purchase price.
• U.S. Department of Agriculture loans (USDA) A home loan can be availed by nonagricultural applicants with the homebuyers assistance program sponsored by the USDA. There is no downpayment required in many cases if you have a credit score of 640 or higher. The loan payments are fixed and there are certain income limitations that will vary depending on the region where you plan to apply for a loan.
• Native American Direct Loan There are two benefits of availing the loan available only for Native Veterans; no down payment needed and no need for private mortgage insurance. The loan can be availed for a period of 30 years with low closing costs and a fixed installment to be paid every month.
• Veterans Affair loan (VA) U.S. military veterans can make the most of the first time home buyer Veterans affair loan. Veteran members who are on active duty or their spouses are eligible to apply for the loan. Similar to Native American Veteran loans, VA applicants do have to pay for private mortgage insurance and they can avail competitive interest rates. Most importantly there is no down payment required to secure the loan.
• FHA Section 203(k) loan The section 203(k) rehabilitation program will allow first time home buyers to afford homes that are in need of renovation and a makeover. The cost of the improvements will be included in the total amount of mortgage or funds that need to be borrowed. The downpayment for this loan will be around 3% of the list price.

Contact lenses can be a perfect pick for those who need vision correction and don't want to opt for a LASIK surgery or wear spectacles. As there are numerous options when it comes to contact lenses, you can make the right choice by knowing what to look for while buying one. From choosing the right brand to buying contact lenses, it is important to know whether you're making the right purchase. Here are 3 handpicked tips on buying the right contact lenses online. Choose from an array of contacts The first step is to know the kind of lenses you want to shop for online, which would help you shortlist from the vast array of contact lenses available online and this would make your task simpler. An ophthalmologist is a doctor who specializes in vision care and once you get your eye checkup done, the eye doctor would help you with the prescription mentioning the material and brand of the contact lenses. You can also decide whether you want to go for disposable contacts if you're using them for the first time. Moreover, you may also select from various colors and opaque contact lenses, suiting your personal preferences. Keep your budget in mind Once you select the type of contacts you would want to go with, it is time to set your budget. One must not go overboard with the budget as you might change the contact lenses within a few months. Therefore, while shopping online for your contact, personalize the price filter by setting the price range. This will help you choose the contact lenses of your preferred price. Also, be careful of the shopping sites that charge excessive shipping charges. Buy from the right brand Choosing the right brand is important and online reviews can help you zero down the popular contact lenses brands. It is always advisable to read the product reviews online to know about the popular brands. Moreover, it is best to go for popular brands as you can get a product warranty and if there is any need for an exchange, the same can be done without any hassles. You can choose from popular brands like ACUVUE, Biofinity, DAILIES, SofLens, to name a few. So, keep these handy tips in mind while shopping for your next pair of contact lenses online.

Amazon is a global conglomerate of consumer goods and services provider across continents, with their biggest e-commerce website reporting a revenue of over 100 billion dollars. Amazon provides branded goods on their online portal which also offers great discounts and coupons for making purchases. With some payment options like cash-on-delivery, credit and debit cards, EMI options for purchasing expensive products, and online banking, you can just shop from the comfort of your home for almost anything. Here are the different departments across which you can apply for your desired position and pay scale. Administrative support: There are vacant positions for Administrative Assistant, Executive Assistant, Receptionist, and Office Manager. These are the people who make sure the entire administration keeps running smoothly. It is also one of the most exciting Amazon jobs you can get. Business intelligence: As the name suggests, people working in this department are responsible for making decisions by analyzing tons of data like customer purchase patterns, shopping trends, and more to improve the profitability of the business. There are openings Economists, Data Analysts, Data Engineer, BI Engineer, Business Analyst, Customer Insight Analyst, and Statistician. Database management: Amazon has some of the largest databases in the world which are why many people are needed to manage the high volumes of data on which business intelligence draw ideas and strategies. There are openings for the positions of Database Administrator, Database Engineer, and Database Specialist. Finance and accounting: Of course, managing a big company is a challenge, but managing its finances is an even more significant challenge which is where people and resources come together to handle the massive financial volumes. Corporate teams require people in departments like accounting, FP&A, and customer selling experience and strategy. Customer services: Being an e-commerce website, the department of customer service, which provides and develops solutions by CRM teams, is an important department as it is responsible for serving the billions shopping worldwide, assisting them with anything they require.

The human gut is colonized by several beneficial bacterial species and these microbes provide multiple benefits to us by synthesizing vitamins and fatty acids. A prebiotic substrate promotes the growth of beneficial gut microbes. A few prebiotic substrates are inulin, oligofructose, and fructooligosaccharides. Prebiotics are a mixture of natural fiber and other growth-promoting substances such as oligosaccharides. They selectively favor the growth of beneficial gut bacteria.Interestingly, human digestive enzymes cannot digest prebiotics and thus, the prebiotic substrates are available to gut microbes and help feed the good bacteria in the body. In fact, the fibers found in bananas, garlic, and leeks can also act as a prebiotic. Due to several health benefits of prebiotics, they are now increasingly being used by people. A list of some of the best prebiotic supplements available in the market is presented below: Dr. Formulated Organic Fiber This prebiotic supplement uses fiber from five different sources namely apple, orange, cranberry, acacia, and baobab to provide the best conditions for the growth of good bacteria. These ingredients also curb hunger and thus are a good option for people who want to lose some extra pounds. Hyperbiotics Prebiotic Hyperbiotics Prebiotic is available in a powder form and is a mixture of fiber extracted from Jerusalem artichoke, acacia, and green banana flour. This is one of the best prebiotic supplements as it uses fiber from several plant sources and helps in the growth of different types of bacterial species. Dr. Tobias GutMeister Ultimate Prebiotic This prebiotic supplement offered by Dr. Tobias uses a patented formulation to encourage the growth of beneficial bacteria. This formulation selectively inhibits the growth of harmful bacteria, thus reducing the competition for food and space for beneficial bacteria. Moreover, the side effects of fiber-rich prebiotics such as bloating and gas can be completely avoided. Prebiotin™ Prebiotin™ uses oligosaccharides from the inulin plant and is available in a powder form. Oligosaccharides promote the growth of probiotic bacteria as these are long-chain sugars. The fiber also works synergistically with oligosaccharides work to boost the growth of bacteria. Genesis Today Superfood Fiber This prebiotic supplement offered by Genesis Today is again one of the best prebiotic supplements available. It includes fiber from several sources and contains fruit and vegetable extracts as well. A range of the best prebiotic supplements is available in the market. However, you must start using them only after consulting an expert as the requirements of a prebiotic can vary from person to person.

A cooktop is an appliance used in the kitchen for preparing foods with comforts. It comes with hot plates or burners allowing people to fit the equipment on the top of a cabinet with built-in features. Cooktops are available in a variety of models and types allowing people to choose an appliance which exactly suits a kitchen. Gas cooktop, electric cooktop, induction cooktop, and ceramic cooktop are some types designed for cooking purposes that fulfill the needs of users with outstanding features. An induction or electric cooktop is a right choice for a kitchen if it has a limited usage. There are several chefs, who prefer a gas cooktop because it helps to make the foods quickly with pans and instant flames. Induction cooktop costs more than gas, electric and other types enabling the users to set dishware anywhere with ease for ensuring better results. Anyone who buys an appliance for the first time should check whether it is compatible with current cookware items. Otherwise, they need to get new cookware to fit a new cooktop for meeting exact needs. Whether it is family cooking, modern cooking, industrial cooking, country cooking, or Scandinavian cooking, the equipment is the best choice for making the foods with more style. At the same time, there are some accessories necessary for improving the functions of an appliance considerably. Some of them include gas range connector kit, back guard, half rack, drip pan kit, rubber feet, gap cap, round burner, and so on that ultimately help to improve the working conditions efficiently. It is necessary to consider certain things while buying cooktop accessories from a store. Leading suppliers offer them online at lower prices enabling the customers to save more money. Moreover, they provide methods for ordering them with options and choices to experience complete satisfaction. A cooktop has both pros and cons while planning the cooking activities. It is an important one to know more about the cooktop accessories properly before investing money. This can help a lot to gain ideas quickly to purchase them depending on the requirements. Furthermore, one must get ideas from experts when ordering cooktop accessories online. Most shops show methods for searching all of them at one place for saving both time and money. People should determine their cooking style before buying an appliance. Also, they must focus more on the features to make cooking a wonderful experience. They include pan size sensor, electric touch control, power burner, downdraft exhaust, bridge element, and pan presence sensor. Customers must read the descriptions of cooktop accessories carefully. Apart from that, it is advisable to a sound decision.

RockAuto is an online trader for auto parts; this is a family business run by two automotive engineers since 1999. RockAuto has received commendable reviews from their customers. Their credibility is also because of their two distinct goals that include listing all available items and product specifications on RockAuto.com that are not just what is stocked by one store or known by one salesperson and making auto parts affordable. RockAuto has auto parts that are easy to get from the comfort of your home. You could just select the specific auto part you would require from the RockAuto website and check its availability. Once you place your order, RockAuto will ship it to you. RockAuto is indeed true to their word and customers really appreciate this. RockAuto sources their parts for even cars manufactured before 1998 and gets these sources from their tie-ups with different auto parts sellers. Their shipping is also available to customers all around the world. The RockAuto website for auto parts lists a lot of details about various products, and the best part is that they have cataloged each part according to the brand, vehicle mode, year of making, etc. With the RockAuto auto parts website, checking for car parts has now become easier. You simply have to open their website, click on part catalog, pick the brand and the country of manufacturing, or cars made before 1998. Once you have selected all of these categories, a list of products will be made available to you. Moreover, under the car type, you will find a listing of the engine models since some models need a different part as compared to its counterparts. You can also pick the type of part that you require such as belt drive, body, drivetrain, electrical, etc. or if you already know what you are looking for, then all you have to do is search the number of the part and you can get it delivered directly. However, if you do not find the exact part, then you can always find a compatible one from their exclusive page for universal tools and parts. RockAuto parts is the one-stop shop for your auto needs.