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ORAVA – NOW I KNOW
With his new music video for Now I Know just released, Orava – the French-born, London-based multi-instrumentalist, singer-songwriter and producer – is gearing up to release his debut album ‘Behind The Wave’ on September 25th. This rising artist should be on everyone’s radar this year. A graduate of the Musician Institute of London, Orava draws inspiration from French touch, classic electronic, DnB, and traditional rock, blending analog with digital, homemade recordings with elaborate production, and vintage instruments with synthetic textures.
Born Axel Gerard and crafting his music between England and his native France since 2018, Orava is named after a stream in north-western Slovakia that roughly translates as “roaring river.” Inspired by artists like Daft Punk, Phoenix, and Depeche Mode, Orava’s compositions tackle the common hopes, doubts and fears of his generation, drawing mostly from his own experiences.
We spoke with Orava about the inspiration behind his new album, his recent music video for “Now I Know,” and his plans for the coming year.
1. What is the creative inspiration for the new album?
I get inspired by my daily life and my own experiences. This album is about the fears, doubts and hopes of my generation. Musically speaking, I would say that blending genres is the main inspiration of my music.
2. Tell us a little bit about your background and upbringing. When did you start writing music?
I got into music very early as a child. I started taking guitar lessons at age 7 and taught myself the piano after a few years. I remember recording my first demos around the age of 10, using a loop pedal and improvising melodies over chord-progressions. My songwriting pretty much came out of my guitar-playing. When I was 18, I moved to the UK and studied at the Musician Institute of London to become a session-guitarist. I wanted to do more and slowly started to produce my own music. This is how the Orava project and my debut album “Behind the Wave” came about.
3. What drew you to combine genres like house and traditional rock?
I started playing the guitar at age 7 and grew up listening to a lot of rock, punk and metal music. I got into electronic music a bit later, around the age of 20. I just tried to make the type of music I wanted to hear more often.
4. Is there anyone you credit with influencing your style?
Depeche Mode, Daft Punk, Phoenix, Electric Light Orchestra… There are many more but these bands definitely had a lot of influence on the making of my album “Behind the Wave”.
5. Can you tell us a little bit about the message behind Now I Know?
I wrote “Now I Know” to express the difficulty we have as individuals to change our vision on life. Many of us tend to focus on trouble and forget that everything is a matter of perspective. I have struggled with this for a while and writing this song was therapeutic in the sense that it helped me move forward as a person.
6. Why did you decide to shoot the music video at Vercors Regional Natural Park?
The video emphasizes the song’s subject with a mysterious storyline featuring a character running away from his problems. I was looking for big and empty landscapes and the Vercors Park just seemed to be the perfect spot.
7. How did you use the video to show your own creative process?
The first scene of the video is very close from my real creative process. Recording in my home studio by myself is a big part of my life. The scenario is an interpretation of different elements of my music such as introspection, loneliness and the fear of failure.
8. Your album art was shot by French photographer Richard Bellia, known for his work with Kurt Cobain, The Cure, Joe Strummer, and Serge Gainsbourg. What was it like working with Richard?
Richard Bellia shot some of the most iconic artists and musicians of our era and I was a big fan of his work way before meeting him. The photoshoot took place in Metz. (North-East of France) where we’re both from. Bellia’s into analog photography which happens to be one of my main passions besides music. He quickly understood the type of aesthetics I was going for and the session felt very spontaneous. I remember him saying “I think we’ve got it” after one specific shot, which ended up being the cover for my single “Now I Know”.
9. How does your French heritage influence your style?
I look up to a lot of French bands and artists such as Phoenix, Daft Punk or M83. This scene is living proof that music has no frontiers and allowed me to feel legitimate singing in English. I have a strong attachment to my cultural heritage but also feel very English in my way of approaching music. Living in London was an opportunity to discover a broad range of cultures and meet musicians from all over the world. It certainly pushed me to be very eclectic in my creative choices, I tend to mix a lot of genres in my songs, from French touch to traditional rock and electronic music.
10. How do you use vocals to enhance your instruments?
I don’t. I’d say I do the opposite. The instruments enhance my voice. I always compose the music and write the melodies before recording any vocals.
11. Do you use your platform and voice in any way in the community?
My main task as an artist is to convey emotions through my music and lyrics. I guess it’s a positive thing in the sense that my music is full of hope.
12. Where do you hope your career takes you in the future?
On tour! I have spent a lot of time making music in studios this past two years and I can’t wait to hit the stage. My only aim is to have people to relate with the overall message I’m trying to express in my songs.
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Top 5 Men’s Black Watches for Everyday Use
Every man needs a quality black watch in his collections. If you are a true stylish man, you will definitely need more than one. But what is so special about men’s black watches? Why are they always highly recommended for fashionable men? Well, we believe they solve a lot of style problems. It is very hard to go wrong with black watches. They match with most outfits and will help when you are in a conundrum about the perfect way to accessorize. Versatile black watches are perfect for everyday use.
For a fashion accessory that is always in high demand, it is understandable that there is an abundance of black watches for men in the market. There are so many vendors advertising different models of watches that it will be very difficult to pick the perfect one for you. We want to make the experience easier for you. Here, we will review the top five men’s black watches that are versatile and perfect for everyday use.
TOP 5 Black Watches For Men
- Venice Moonphase Black Gold Mesh Watch
The wonderful Venice Moonphase comes in an all-black design that is perfect for all stylish men. The pitch-black mesh is sleek and suits the wonderful black gold dial—the gold accents in the dial and the moonphase help to give it a distinctive look. The Italy-inspired design adds to the overall appeal, with the architectural artwork on the caseback demonstrating the uncommon quality it represents. The sapphire crystal hardened mineral glass is another important feature of the watch, offering a protective layer that is resistant to scratch.
- Venice Monochrome Automatic Black Watch
Nothing feels cool and confident on the wrist like quality mens watches with black leather strap. If you want to know how that feels, the Venice Monochrome Automatic from Filippo Loreti is the perfect watch to buy. The classic black-and-white design makes it perfect for everyday use. The elegant moon and sun dial adds a touch of sophistication, which is another angle that will impress fashion-conscious individuals. This is a very durable watch. The sapphire crystal hardened mineral glass also makes it scratch resistant, meaning the watch will look great and flawless for years.
- Okeanos Black Steel Link Watch
This is a valuable men’s black dial watch that will look adorable on your wrist and match with most black outfits. While the watche’s stainless steel link bracelet is not black, the dial is all shades of black excellence. The background is pitch black, just like the bezel. It features luminous hands and indexes that make checking time against the black background easier. This is a water-resistant timepiece. The unidirectional rotating bezel will measure diving time and depth effectively, helping you to go deeper when you are feeling adventurous. The artful engraving on the caseback and the crown demonstrate clearly the quality of craftsmanship.
- Florence Black Matte Watch
If you are a fan of bold men’s watches that is matte black, this Florence Timepiece will be a must-buy. It is a well-built black wonder that has all the qualities you will expect from a watch that is not supposed to look or feel ordinary. The 316L Stainless steel case is considered the standard for a premium watch and is supported by a sapphire crystal glass that provides a protective layer that is resistant to scratch. This will keep the timepiece looking great for years. There is also an anti-reflective coating that will reduce glare and help you read the time correctly under different lighting conditions.
- Ascari Grand Prix GP 1952 Black Men’s Watch
All the watches in the Asari Grand Prix series are spectacular, but this is our top choice when it comes to black watches. While it has an all-black integrated rubber strap, the dial is beautifully designed. While black is the dominant background color, the touches of silver and rose gold makes this watch super-appealing. It has several other incredible features like a unidirectional turning bezel, luminous hands and indexes, AM/PM indicator, chronograph pushers, hands, and reset pushers, and more.
Why Filippo Loreti Men’s Black Watches?
We intentionally focused on Filippo Loreti watches here because we want you to get the best watches at the best prices. We understand how their watches are made and are convinced that it is the best approach to premium watch marketing. These watches are not mass-produced. They are made according to the orders placed by genuine customers on the models.
Filippo Loreti watches are also sold directly to the consumers. The watchmakers cut off middlemen completely to ensure that their customers get their premium watches at the lowest possible prices. The risk of buying a fake watch is also eliminated.
We believe you fully understand why buying one of the watches featured here is the best decision you can make right now. You can explore Filippo Loreti’s collections of men’s black watches if you want to consider other options besides the top five we’ve recommended for you.
Ten Slots with the Most Wonderful Graphics
Online slots have come a long way in their relatively short history. Whereas early titles were very clearly based on actual slot machines, advances in computer-generated images and connection speeds have allowed developers to get really creative. Modern online video slots often bear little resemblance to real-world slots. For many players, the wonderful graphics on offer are a big part of why they play slots.
In this article, we look at ten of the slots with graphics, animations, and artwork that really make them stand out from the crowd. Here are our favourite 10 slots in terms of their visual content alone!
Book of Dead by Play ‘n’ Go
Set in a Pharaoh’s Tomb, Play ‘n’ Go’s Book of Dead slot is probably the best looking Egyptian-themed slot on the market today. The game’s reels are sandwiched between great stone pillars and the symbols are all typical images from the forgotten civilisation. Each has been beautifully illustrated and gold detailing really makes them pop off the reels.
Standout performer at all online casinos
The standout feature is certainly the Book of Dead Free Spins mode. We zoom in on the book itself and flick through the pages. The expanding symbols throughout the feature magically transform too, making for some potentially epic winning combinations.
Planet of the Apes by NetEnt
This masterpiece of slot design is based on the Planet of the Apes spinoff movies. The game starts with an extravagant intro with real footage of the apes attacking human cities from the films. The reels are split into two different sets of reels, meaning it’s kind of like playing two slots at the same time.
Being a licensed slot, all symbols are represented by photoreal pictures and there’s no shortage of clips from the movies on which the title was based. Bringing the action to life are the chimps that periodically storm across the bottom of the reels or breakout of the symbols to take part in another destructive rampage. If you enjoyed the action-packed movies, we reckon you’ll love the slot too!
1,429 Uncharted Seas by Thunderkick
This nautical-themed slot with great graphics is by the innovative firm Thunderkick. On 1,429 Uncharted Seas, the action takes place on a treasure map of old. Throughout the game, there are beautiful illustrations of sea monsters, epic voyages amidst choppy seas, and traditional pictures of the sun, moon, and stars – which sailors of the day would use to navigate.
So different makes it so beautiful
Whilst the lavish animations that standout on some of our other selections are absent from the title, we really think the art style alone makes this one worthy of inclusion. The various symbols, the map itself, and full-page illustrations really look like the kind you’d see on ancient maps depicting strange lands. These give the title exactly the vibe you’d expect from a slot based on the seafarers of a forgotten time!
Gonzo’s Quest by NetEnt
Despite being almost 10 years old, Gonzo’s Quest is still one of the best-looking casino games around. The classic NetEnt Aztec adventure slot takes place at a South American temple. The symbols are represented by mysterious symbols from the ancient civilisation and the cascading reel dynamic has become a much-loved staple of many online slots.
The game is brought to life by Gonzo himself who watches over the action, ever ready to leap for joy at the player’s successes. He’s on hand to march us off to the second screen on which the game’s free spins feature takes place too. If you manage to drop a massive win, our intrepid adventurer pal catches the falling prize in his helmet before dancing a merry jig!
Birds on Wire by Thunderkick
Our second selection by Thunderkick, Birds on Wire is an amusing slot that’s all about electrocuting cute little birdies that are minding their own business. Each row of symbols is a different telegraph wire. When you click Spin, the birds jump up in unison, and flutter out of view. They’re then replaced by another set of 15 feathered friends.
Again, this one doesn’t have extravagant animations, but the art style used throughout gives it loads of character. It’s a quirky-looking slot and this matches the quirky subject matter. There are, of course, some animations. Our personal favourite is when you do match three of the same birds along a win line. A current suddenly runs through the cable and zaps them all, with tragic, yet hilarious, consequences!
Attack on Retro by Microgaming
Attack on Retro is a vision of the future from the past. You know how people (particularly movie directors) from the 1980s thought that we’d all be wearing neon suits and have wild haircuts? Well, it’s like a slot version of that.
The game is set in front of a futuristic cityscape and ominous robots scuttle up and down the side of the reels. When they line up with each other, the Attack Feature starts and a swarm of the robots descend onto the reels, adding high value symbols. Along with the garish colour scheme and plenty of animative touches, the artists got really wild with their character and symbol designs. Hoverboards, keytars, and boomboxes, are the symbols because, of course, we’ll all eventually own one of these symbols of the future from the 1980s!
Age of Asgard by Yggdrasil
Age of Asgard is a fantasy-lover’s dream and Yggdrasil’s artists really got creative when designing it. There are two sets of reels, each with their own symbols. The top set represents good and features fearsome female warriors. Meanwhile, dragons, trolls, and soldiers from an undead army are the high value symbols from the evil reel set below. All these high value symbols appear as stacks, allowing for lavish, full-length portraits of each.
Age of Asgard really comes to life when you trigger one of the special features. The Clash Feature pits fighters against one another, conjuring Wild Symbols to scatter across the reels. Then the Randomizer Wheel can transport players to a new reel set for the Ragnarok Free Spins. Surrounded by shadowy creatures and licked by the flames of two smouldering torches, the bonus feature makes the game even more atmospheric!
Arctic Valor by Microgaming
Arctic Valor is another slot that’s sure to appeal to fantasy fans. Again, the character symbols could each be taken directly from the pages of Tolkien. When these form part of epic winning combinations, they come to life with dramatic animative sequences.
At the top of the reels hang precarious-looking icicles. These can fall at random and the player must smash them to reveal bonus features such as Wild Symbols. If you manage to activate the Bonus Feature itself, you’re instantly magicked off to a different set of reels deep within an icy cave. Yet more icicles cascade down the reels throughout the feature transforming symbols in their path. All told, it’s a very impressive offering from one of the industry’s most experienced companies.
Raging Rex by Play ‘n’ Go
This prehistoric slot takes place deep in a mysterious jungle where fearsome dinosaurs are our only companions. The forest background to Raging Rex is alive with various creatures, which makes for a highly atmospheric experience.
Each of the dinosaur symbols animates when they form a winning combination. They’ll let out a bloodcurdling roar or grunt before wins are awarded. Meanwhile, the Primal Rage feature presents players with a stacked Raging Rex. The enormous reptile’s scream provides the soundtrack as the massive, and expertly illustrated, Wild Symbol jumps to new positions on the reels!
Warlords: Crystals of Power by NetEnt
Last on our list of slots with the best graphics is another fantasy-themed game. NetEnt’s Warlords: Crystals of Power starts with an impressive opening sequence that really wouldn’t be out of place on a modern video game. During the intro, we’re introduced to each of the characters and the creatures that support them in battle.
Best game of 2020
Again, as with Arctic Valor and Age of Asgard, the background and symbols for the title are impressively illustrated. They really give the feel of a battlefield and each of the mighty warriors and their powerful beastly familiars have a strong look of their own. They come alive when they form a winning combination and all other wins set the reels themselves ablaze.
Visually, it’s all very impressive and the designers managed to create a real sense of the magic within each of the power crystals that the warriors protect. During the Free Spins mode, fireballs, daggers, and other weaponry fly. All of this combines to make Warlords: Crystals of Power easily one of the best-looking games on the market today.
Nevada Adventures: Top 5 Unusual Things You Can Do in Vegas
Most of us associate Las Vegas with a city that never sleeps and a hometown of the biggest casinos and luxurious hotels. Vegas settles in the very heart of Nevada, a state that is considered a motherland of gambling and entertainment. When you arrive in the neon city, be prepared to meet multiple celebs walking down the streets amid casual tourists. Do you want to take a picture with His Highness Elvis Presley? Easy! Dozens of artists dressed up as the King of rock-n-roll will gladly make a selfie with you.
Vegas never sleeps, just like people who visit this marvelous city. Tourists have a myriad of cool things to do in this dazzling place. You can start your trip from attending the legendary Mob Museum to learn more about gangsters and see another dark side of Vegas. Your next destination can be the iconic museum of Madame Tussauds (not to be confused with the museum in London), where you can take a photo with eminent celebs, like Britney Spears or Mike Tyson. You can dive into the atmosphere of luxury and burlesque in the notorious Burlesque Hall of Fame. Are you a huge Marvel fan? Then welcome to the Marvel Avengers Station featuring your beloved superheroes in a full size.
Top 5 unusual things to do in the neon city
Looking for more thrilling Nevada adventures?! For more demanded tourists, who want to get a truly mind-blowing and one-of-a-kind experience in the neon city, we prepared a list of the top 5 unusual things to do in Vegas.
Feel the spirit of the Wild West ghost town
The unique atmosphere of Wild West will never stop intriguing people. No wonder, as the world of brave cowboys, bandits, and saloons seems so mesmerizing and even a bit frightening (thus even more tempting). In Vegas, tourists have a unique chance to feel that Wild West thrilling spirit by booking a tour to the Wild West ghost town. The tour duration is 10 hours (10 AWESOME hours to be exact), during which visitors can learn the history of ancient cowboys, have a drink in the authentic saloon, and try their luck in gold mining. And don’t forget to purchase a cowboy hat as a souvenir from this remarkable spot.
Don’t miss the Titanic exhibition!
The sad history of the most famed liner Titanic is known to everyone. The film adaptation, directed by the eminent James Cameron, gave a second breath to the Titanic’s story and brought 11 Oscars to its creators. People still commemorate all those passengers who tragically passed away in the liner’s crash. In Vegas, you can feel the Titanic spirit as an actual traveler by attending the unique exhibition. You can step on the deck and visit recreated rooms of the legendary ship to get that realistic experience like the Titanic’s passengers decades ago. The organizers assure that those who visited their exhibition at least once would always keep Titanic’s story in their hearts.
Check the National Atomic Testing Museum
Whether you love physics or not, the National Atomic Testing Museum is a must-to-visit spot in Vegas. The museum stores unique pieces of weapons, video recordings, and letters from the times of WWII. Visitors can get a one-of-kind experience of the atomic testing and read the diaries of the prominent scientist Albert Einstein. You can discover the mysteries of atomic evolution and find out how contemporary geniuses continue their ancestors’ path by developing new top-notch technologies. You can put yourself in Sheldon Cooper’s shoes in the museum and find out what it feels like to be a talented physicist.
Visit the Red Rock Canyon
Nothing can beat the beauty of witnessing a picturesque sunset at the Red Rock Canyon. Millions of tourists annually attend this marvelous national conservation spot in Nevada. The views of the magnificent mountains and plains, incredible wildlife, and unforgettable hiking experience make the Canyon the most beloved sightseeing among tourists and locals. Visitors can book a camping tour and spend a night under the open-air, sitting near the fire and listening to the guitar. They can admire the beauty of the surrounding nature and landscape at an aerial view by booking a flight across the Canyon. This mysterious place won’t leave anyone cold.
Get unforgettable emotions in the Caesars Palace
Nevada is a gambling state, and Vegas is the heart of the most luxurious casinos and entertainment spots. When you are in Vegas, the No.1 spot to see on your map should be Caesars Palace. This magnificent place will change your vision of entertaining routine as nobody gets bored there. No wonder that this resort is titled the Palace because once you enter its doors, you dive into the parallel universe with the gorgeous halls, Michelin-starred restaurants, and lavish casinos. The majestic gambling area in the Caesars Palace will make you feel like George Clooney’s hero at Ocean’s Eleven. Visitors can have a tour in the Caesars Palace even if they don’t stay in the hotel. It is a dream place for gamblers and high rollers or casual spectators who want to feel that unique thrill.
Things to know when scheduling a voyage to Vegas
When you are in Vegas, you won’t let yourself get bored. However, there are some rules you must know when planning to visit the city of dazzle:
In Vegas, it is forbidden to drink alcohol if you are under 21.
You can’t stop a taxi on the street in Vegas. Taxis can take passengers only in the designated spots. Usually, they locate near hotels, restaurants, and casinos.
You can get married within an hour in any chapel if you provide your ID. Vegas marriages are the fastest and easy-going, though we can’t say the same thing about the divorces. When considering tying the knot in Vegas, better think twice not to pass through a tiresome divorce process afterward.
Take gambling mindfully! Though casinos and wagering activities are allowed in Nevada, there are many pitfalls that gamblers must learn before visiting a gambling spot. According to the WorldBookmakers’ experts, bettors can start wager on real money only if they set up a strategy in advance. A good strategy is a key to hit the bank on wagering and gambling.
Summing up
People who have been in Vegas at least once admit that this majestic city stole their hearts forever. If you plan a trip to the neon city, pick up the sightseeing you want to visit beforehand. You can schedule a shopping marathon, attend the largest museums in the area, go camping to the legendary Canyon, and try your fortune at the luxurious casinos. So many awesome spots and gorgeous places to visit along the way! Vegas is full of opportunities that you can discover firsthand.
TYLER PERRY SITCOMS
Watch and share the official trailer here
“TYLER PERRY’S HOUSE OF PAYNE” and “TYLER PERRY’S ASSISTED LIVING” will premiere on BET Wednesday, September 2nd at 9 PM ET and 10 PM ET, respectively. Two half-hour episodes will air for each show.
“TYLER PERRY’S HOUSE OF PAYNE,” returning for its seventh season, is a hilarious comedy about retired fire chief Curtis Payne (LaVan Davis) and his lovely wife Ella (Cassi Davis Patton) that picks up five years later, as they continue to navigate the problems of life with their quirky modern-day family.
“TYLER PERRY’S HOUSE OF PAYNE” stars LaVan Davis as Curtis Payne, Cassi Davis Patton as Ella Payne, Lance Gross as Calvin Payne, Demetria McKinney as Janine Payne, China Anne McClain as Jazmine Payne, Keshia Knight Pulliam as Miranda and Allen Payne as CJ Payne.
In the new sitcom “TYLER PERRY’S ASSISTED LIVING,” Jeremy (Na’im Lynn), a patriarch of a young family with teenage children, loses his job and decides to move to the backwoods of Georgia to help his crazy grandfather. Grandpa Vinny (J. Anthony Brown) has foolishly purchased a terribly run-down home for the elderly and he is in way over his head, but comedy ensues as Mr. Brown (David Mann) and Cora (Tamela Mann) show up at the right time as needy investors.
“TYLER PERRY’S ASSISTED LIVING” stars David Mann as Mr. Brown, Tamela Mann as Cora, J. Anthony Brown as Vinny, Na’im Lynn as Jeremy, Courtney Nichole as Leah, Tayler Buck as Sandra and Alex Henderson as Phillip.
For more information on “TYLER PERRY’S ASSISTED LIVING” click here.
For more information on “TYLER PERRY’S HOUSE OF PAYNE” click here.
“TYLER PERRY’S HOUSE OF PAYNE” and “TYLER PERRY’S ASSISTED LIVING” are executive produced, written, and directed by Tyler Perry. Michelle Sneed serves as Executive Producer of both series for Tyler Perry Studios.
What Qualifies You for Social Security Disability Benefits?
To qualify for Social Security Disability benefits, you must have a qualifying disability and have worked in jobs that required you to pay into the Social Security system. If you meet these requirements and your doctor says you won’t be able to work for one year or longer, you may be able to receive benefits until you can work again—if that ever happens.
So which conditions qualify you for disability benefits? Read this and see if your diagnosis is on the list. If it’s not, don’t worry, your condition may still be qualifying.
- Asthma
- Anxiety
- Autism
- Back injuries
- Blindness
- Cerebral palsy
- Coronary artery disease
- COPD
- Deafness
- Disorders of bone marrow failure
- Epilepsy
- Heart failure
- Hemolytic anemias
- HIV/AIDS
- Irritable bowel disorder
- Intellectual disorder
- Kidney disease
- Liver disease
- Lupus
- Marfan syndrome
- Multiple sclerosis
- Parkinson’s disease
- Rheumatoid arthritis
- Sjogren’s syndrome
Any disease, injury, or disorder that prevents you from working for at least 12 months could potentially be a qualifying condition, depending on the severity. You’ll need to discuss your condition with a Social Security disability lawyer to determine whether or not you qualify.
There are certain conditions that will automatically qualify you for benefits so you can begin receiving payments right away without having to go through the approval process first. These include early-onset Alzheimer’s disease, Lou Gherig’s disease, stage IV or inflammatory breast cancer, cancer of the pancreas or gallbladder, and several other cancers.
How to Apply
If you want the Social Security disability process to run smoothly and efficiently, there are some things you need to know before your first appointment. To get the process started immediately, come prepared. Bring your Social Security number and those of your spouse and children, your W-2 information from the past year, and discharge papers if you were in the military.
The first thing you’ll need to do after you’ve gathered your information is to fill out a Social Security Disability report form. You can download this from their website and fill it out in advance. This form will ask you for information like your doctors’ contact details, the medications you’re taking, your past jobs, and any claims you’ve filed.
The next step in the process is to schedule your appointment with the Social Security Administration. You can make your appointment over the phone by calling 1-800-772-1213 or schedule your appointment online.
Another thing you can do to speed up the application process is to get a copy of your medical records from your physician in advance. Once you’ve requested your record, your doctor has 30 days to get it to you. Many doctors will turn it around faster than that, but it’s still smart to request it at least 30 days ahead of your appointment.
You can download this Disability Starter Kit to learn more about what to expect throughout the process. This helpful guide contains information, a worksheet, and a checklist that’ll help you prepare.
If Your Benefits Are Denied
According to the Social Security Disability lawyers at Bader Scott, in many cases the initial claim will be denied by Claims Examiners, who often make mistakes due to a lack of experience. With an attorney’s help, you may be able to successfully appeal so your application for benefits can be settled on favorable terms.
You can apply for an appeal hearing on the Social Security website, but be forewarned, you’re going to be waiting for this hearing for a long time. On average, the wait time for an appeal will be twelve months or longer. If your appeal goes well and your benefits are approved, you’ll get retroactive benefits either in payments or a lump sum.
You will have 60 days after you receive the notice of denial to file your claim. If you are denied, you should get on this right away. Your benefits may depend on it.
AUTHOR: Cheryl Roy
The Millennial’s Financial Guide to Homebuying
Around 4.8 million millennials are turning 30 in 2020. This is the largest age bracket among millennials, according to CNBC. Many of them have families and are looking to buy their first home.
Compared to older generations, saving for a house hasn’t been easy for millennials. In 2017, millennials who bought homes paid around 39 percent more than baby boomers who bought houses in the 80s. With higher costs of living and rising student debt, it takes millennials longer to afford a home. Now, considering the economic impact of COVID-19, it’s tougher for people to make major life purchases.
But don’t fret. Knowing your mortgage options and proper financial planning will make a difference. If you commit to a budget now and work on your savings, it’s possible to purchase a house in the near future. Here are essential financial tips you need to know before buying a home.
When to Consider Buying a House
Before taking a mortgage, improve your credit score. Give yourself time to improve your credit. Make sure to pay your loans and credit card on time. If you have large outstanding debts, be sure to pay them down. Check your credit report and see if there’s any inaccurate information. Disputing errors like unrecorded payments can help improve your credit score.
Most conventional lenders usually approve a credit score of 680 and above, and some may approve 620. Conventional loans are offered by lenders that are not sponsored by the government. You can get them from banks, credit unions, and non-bank mortgage companies.
If you have an excellent credit rating, you’re eligible for lower interest rates. This makes your monthly mortgage more affordable. It will help you save on total interest costs throughout the life of your loan. Make sure to shop around for loans and choose the lowest interest rate.
Know how much house you can afford.
Compare real estate listings to know what price range you can manage. As a rule of thumb, you shouldn’t buy property beyond your means. How do you know if your dream home fits your budget? You must understand your debt-to-income (DTI) ratio.
DTI ratio compares your gross income with how much debt you owe. If your DTI ratio is too high, your loan will not be granted. A low DTI ratio makes it more manageable to make monthly mortgage payments. This decreases your risk of defaulting on your loan and losing your house to foreclosure. Once you’re perceived as a low-risk borrower, lenders are more likely to approve your mortgage.
Lenders check these two important DTI ratios before approving a loan:
- Front-end DTI ratio – The percentage of your income that pays for mortgage-related costs. It includes monthly mortgage payments, property insurance, and association dues. Your front-end DTI must not exceed 28 percent. This is the standard requirement for conventional mortgages which are not federally backed by the government.
- Back-end DTI ratio – The percentage of your income that pays for your mortgage-related costs along with your other debts. This includes auto loans, credit cards, student loans, etc. Your back-end DTI ratio must not exceed 36 percent. But for federally backed government mortgages such as Federal Housing Administration (FHA) loans, the DTI limit is 43 percent.
Know how much you can borrow.
To know this, get pre-approved for a mortgage. Speaking to a lender determines the specific amount you can borrow. It’s one of the best ways to know how much home you can afford. To do this, you must authorize your lender to review your credit report. Getting pre-approval does not require you to borrow from the lender. But once you’re ready to make an offer, you can choose one with the best rates and terms. Lowermybills.com mentions that “Like all things connected to home buying and mortgage rates, do your research.” Furthermore, they state that “If you find a rate you are comfortable with, and it gets you the mortgage payment in your price range, it might be a good idea to decide to lock in the interest rate.”
Know when and where house prices are low.
A year before buying, research local market conditions in your preferred area. Check common house prices and pay attention to big price shifts. There are periods when real estate prices are depressed or generally low. In other times, they can be awfully expensive. It also pays to check houses in low-cost locations such as less crowded suburbs. Homes in busy metropolitan areas and coastal states usually have expensive price tags.
How Much Down Payment Should You Save?
Ideally, homebuyers should make a down payment that’s 20 percent of the home’s value. For instance, if you’re buying a $250,000 house, your down payment should be $50,000. These days, you might notice buyers making a smaller down payment. This has its drawbacks, which come in the form of mortgage insurance costs.
Conventional loans come with an annual private mortgage insurance (PMI) policy, which is 0.25 percent to 2 percent of your loan amount. It’s typically required if your down payment is less than 20 percent. PMI is usually rolled into your monthly payments and is canceled once your mortgage balance reaches 78 percent.
Meanwhile, federally backed mortgages such as FHA loans come with mortgage insurance premiums (MIP). If your down payment is less than 20 percent, MIP is required. It’s paid both as an upfront fee (1.75 percent of the loan amount) and an annual insurance fee (0.85 percent of the loan amount). MIP is usually paid for the entire life of the loan, which makes it a lot costlier in the long run.
How do you save for your down payment?
Start gathering funds as early as you can. Saving your tax refund is a great source. As of 2020, the average tax refund is $3,100, which is a large amount that can bolster your down payment. You can also use work and holiday bonuses you get from your employer. Save cash gifts during birthdays, as well as windfall inheritance funds from relatives. To earn extra income, work overtime hours or get a freelance job on the side. This will take time. So the earlier you save, the better.
Low Down Payment Options for First-Time Homebuyers
More often, people do not usually have enough time to save for a higher down payment. They need to relocate because of a new job or a growing family. When this happens, you can opt for low-cost mortgages options. If you need a loan with low down payment and relaxed credit requirements, consider government-sponsored mortgages. These are loans meant for low to moderate income families who need assistance in buying a home.
FHA Loans
You can qualify for an FHA loan if your credit score is between 500 to 580. Your down payment can be as low as 3.5 percent if your credit score is 580 and above. If your credit score is below 580, your down payment must be at least 10 percent. All FHA loans require MIP regardless of your down payment amount.
USDA Loan
The U.S. Department of Agricultural approves home loans if your credit score is 640. Down payment is not required but is definitely an option. To get a USDA loan, you must purchase a house in a USDA-approved rural area. This includes many suburbs and around 97 percent of land mass in the U.S. Moreover, your household income must not be over 115 percent of the median income of your area. USDA loans come with a guarantee fee, which is paid as an upfront fee and an annual fee rolled into your monthly payments.
VA Loans
The U.S. Department of Veterans Affairs offers special loans to active military members, veterans, and qualified military spouses. VA loans are flexible with credit scores, but it’s better if your credit score is at least 620. Down payment is also not required but is an option. However, instead of a mortgage insurance premium or guarantee fee, VA loans require a VA funding fee. Paying at least 5 percent down payment helps reduced this added cost.
Worried about poor credit? There are local housing agencies per state that can help you. Your state agency can assist you in looking for housing options that can accommodate your low credit score. They can also provide down payment assistance for mortgages. Just get in touch with your state housing agency soon.
The Importance of Saving a 20 Percent Down Payment
Making a 20 percent down payments eliminates private mortgage insurance costs. This reduces the amount you need to borrow, which effectively lowers your monthly mortgage payment. The higher payment also decreases your loan-to-value ratio, which is the amount of your loan compared to your home’s value. It also allows you to secure a much lower mortgage rate.
To give you a better idea how it affects your mortgage payments, let’s see the table below. It compares the same mortgage. One made an 8 percent down payment, while the other made a 20 percent down payment.
30-year Fixed-Rate Mortgage
Home price: $350,000
Interest rate: 3% APRMortgage5% Down Payment20% Down PaymentDown payment$17,500$70,000Borrowed amount$332,500$280,000Monthly payment$1,401.83$1,180.49Total interest paid$172,160.03$144,976.87Loan-to-value ratio95%80%Total PMI cost$18,038.130
In the example above, making a 20 percent down payment reduces your borrowed amount to $280,000, while 5 percent only reduces it to $332,500. Your monthly mortgage payment will be $221.34 lower with a 20 percent down payment. As for interest cost, you save $27,183.16 more in total interest with a 20 percent down payment. Meanwhile, with a 5 percent down payment, you still need to pay $18,038.13 on top of interest charges. Basically, you’ll gain more saving in the long term if you make a higher down payment.
Need help with your mortgage budget? Use this mortgage payment calculator to estimate your monthly mortgage payment, total interest, and PMI costs.
Here’s a tip: If you take an FHA loan for the low down payment, there is a way to remove MIP. If your credit score is at least 620, you have the option to refinance into a conventional mortgage after a few years. Refinancing is basically taking out a new loan to replace your existing one. You can refinance to a conventional loan with a lower rate. You may consider this option to get rid of costly MIP charges.
The Bottom Line
Now that you know your housing options and requirements, you can better prepare your finances. As early as now, start improving your credit score to qualify for a loan. Borrowers are offered lower interest rates when their credit score is high. It’s also ideal to save up for a 20 percent down payment.
Next, keep track of your debt-to-income ratio. As long as you don’t accumulate large debts, you should be eligible for a mortgage. Moreover, start checking home prices at low-cost areas. If you time your purchase when house prices are generally low, you can score a better deal.
If you can’t make the 20 percent down payment, there are low-cost mortgage options to choose from. Check out FHA loans and USDA loans. If you’re a veteran or military member, you’re qualified for VA loans. Just take note that government-backed loans come with extra costs, such as mortgage insurance premium for FHA loans. If you take advantage of these options and plan your finances, soon you can purchase your own house.
Ways to pass the time in the fall
Do you feel stuck at home when the weather suddenly starts to change? Does the gloominess of fall make you lazy and unproductive? While most people keep on using social media platforms to kill their boredom, there are other ways to feel motivated. Some of you may surf the Internet for fun like playing MrBet online pokies nz. The options are endless. Let’s have a look at them to maintain your sanity during such a season.
Polish your Skills
This is the best time to work on your skills and polish them. Learn something of your interest online or take a short course. Consume your time in learning something relevant to your field or just work on your hobbies. Explore more options and set a goal. Improve your skills, whether it be crafting, writing, graphic designing, photography, or whatever. Just believe in yourself, so that you can achieve everything.
Spark Creativity
When creativity strikes, one can have numerous ways to have fun-filled days. If you have an interest in casino games, then get this bonus. Many creative and innovative ideas are bound to make your days full of spice and thrill. Some of these are:
- Have a backyard party. Sounds interesting? Just grab some barbeque grills, comfy chairs, and call over your friends. You are all set to have the best time.
- Play a new game. Yes, believe us, it helps energize and entertain.
- Challenge yourself every day.
- Paint the wall of your room. Use different techniques to make it look brighter and sharper. Google the options.
- Start gardening. Spend your time with the plants and take care of them. This kind of activity will have a soothing and calming effect on you.
- Try out a new recipe. Good food makes everyone happy.
- Have you borrowed a book ages ago from your friend? Time to sit draped in a blanket on the couch and finish it. It is the best way to kill time productively.
- Nothing makes you happy? Don’t worry. Just switch on your TV and tune into Netflix. Time to watch the series, but grab some popcorn first.
- Reconnect with life. Explore the beauties of nature. Rake up the fall leaves and click some fall pictures.
- Bake fall-inspired cookies. Invite your friends and decorate cookies together.
- Fall is the best season to make leaf garlands. Try your hands out on this craft.
Conclusion
If you are curious and excited to learn, there are many ways to keep you entertained. Never limit yourself, but try to explore all the options. If you are on the verge of tears because of boredom, try out some of these activities. We are sure you will find a way to conquer boredom, which will keep you on track this fall season.
Author: Nick Chong
4 Observations Showing Us the World Has Changed
Oh boy. Did you ever think back in, hey, just 2019, that we’d end up where we are now? The world has changed significantly over the course of a year, but honestly, the writing has been on the wall for a while now that things are about to get real.
1. Celebrity status is now cemented as a valid work background as a politician, even president
Yep, Kanye is making a swing at getting on the ballot for the next election in the US. Crazy? No, considering both Trump and Schwarzenegger paved the way have gone on to be successfully voted in, after serving as a reality TV star (/businessman) and action movie hero, respectively.
Celebrities are (mostly) aware that they get a huge platform to speak from: they already have household name recognition. In fact, this is why Taylor Swift said she kept her political opinions to herself for so long. She believed that she was ‘just a pop singer’ so her approval or disapproval of political goings-on shouldn’t be used to sway her listener’s votes. She ended up changing her tune, but it really speaks to the reasons why we shouldn’t listen to celebs just because they’re in our faces.
Instead (sorry, Ye) we should look to people experienced in politics, leadership, international relations, and industry, instead of celebrities who have experience in their craft, marketing, and jet setting. Instead, politicians should listen to celebs as consultants – they have a unique world view which can be useful to hear.
2. International travel is no longer a thing
Planning your next far-flung island getaway? Ha! Hahaha! Yeah… about that.
Throw your mind waaaay back, back to the beginning of 2020. International travel was more affordable than ever. Your Instagram was filled with stories from your mates time at the Maldives, or Bali, or Croatia. Life was grand and you were excited for your summer trip this year. Then came Covid and now international travel is only really for EU citizens (and maybe not even) and everywhere else is closed. No stamps on your passport, ridiculously expensive flights, and zero tourist visas anyway.
Hope you’re happy holidaying somewhere close to home or getting the green screen out and just pretending. How many airlines will collapse before this is all over? How much will the tickets be afterward? When are we going to get to travel? Who. Knows.
3. We’re doing evvvverything online
Working from home, attending classes online, socializing via Zoom. Everyone has had to get used to doing their regular ‘in-person’ activities in a stripped-back, purely online form. And it’s worked for the most part.
Even activities you may not have thought of have shifted online – for instance, gamblers stepping away from the huge, luxury casinos they’re used to playing at in favor of online houses. Of course, these land-based casinos have something their online counterparts cannot replicate (it’s good but not quite the same). When you enter you feel the energy, the scale of the places, and, unless you’re a billionaire, you may feel a little intimidated.
With such a huge shift online, it’s unlikely we’ll see the pendulum swing back entirely the other way to in-person activities. It’s great not having to wear pants, after all.
There is now such a thing as BC and AC: Before COVID-19 and After COVID-19, and it is apparent that there is a shift in international relations during these time periods. While there may not be a significant shift in power dynamics between different countries – yet – there certainly has been some interesting ripples as different countries, and even different regions within countries, feel dismayed at others’ policies.
4. International relations have shifted
Of course, much of this international shift has to do with the posture of the US, with Europeans now alarmed at the rising rates of coronavirus and wondering why US citizens aren’t more concerned with their health. There’s also the president out here returning to calling COVID-19 “The China Virus” which strains already fraught tensions between the two superpowers. The meddling of Russia in both the US elections and (allegedly) Brexit. People are still wary of China and yet intrigued as to how cleverly they’ve seemingly handled their internal coronavirus situation.
To sum up: it’s enough to make anyone’s head spin.
However, these new emerging dynamics are unlikely to go away, or back to the way they were any time soon, if at all. It’s going to be a very interesting few years to come.
The world has changed and it’s still changing – faster and faster. Let’s see where we end up next, hey? And can 2020 please be over already?
