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Is It Hard To Obtain A Mortgage Approval During The Pandemic?



The world came to a halt as the coronavirus pandemic affected every country across the globe. This has led to many people losing their jobs, and no industry, including the mortgage industry, could escape the subsequent economic downturn. As a result of this, lenders have become stricter on home loan approvals.

Here’s an in-depth guide by Altrua Financial on the reasons why it’s harder to get mortgage approval from a mortgage broker during this pandemic.

Lenders Consider Mortgages To Be Too Risky 

This global pandemic has brought about a shrink in the global economy. And with this shrink, is the growing uncertainty among lenders on the creditworthiness of their potential borrowers. The implementation of such measures by these companies was because of the unprecedented market conditions that have led to financial strain for most borrowers and the entire economy. Therefore, the lenders to safeguard themselves from financial loss have opted to implement strict underwriting.

And with many people losing their jobs due to the economy shrinking, lenders are concerned that they might approve a loan and the borrower suddenly loses their job. As a result, they won’t finance their mortgage payment, which is a loss to the lender. Fortunately, there’s a glimmer of hope that this might change soon as the lenders assess how the economy is doing at the start of next year.

Which Consumers Are Most Affected By This Strict Mortgage Approval Requirements? 

Even as the interest rates lowered to record levels, it’s still tough for many borrowers to get mortgage requests approved. But some borrowers have been greater affected than others and these include;

Self-Employed Borrowers

A greater number of people nowadays self-employed or independent contractors, mostly due to the rise in the gig economy. But with the economic shrink experienced this year, lenders are wary of these self-employed mortgage applicants because they usually don’t have a steady income. And with the many of the mortgage industry requirements quite rigid, the coronavirus pandemic has only made it worse for self-employed individuals to secure mortgage loans.

Applicants With Low Credit Scores

Lenders to protect themselves from financial loss have gone ahead and increased the minimum credit score required to secure a loan. Due to this increase, many people will be locked out from securing loans from the mortgage brokers who see greater restrictions necessary.

Applicants With Low Down Payments

Before the pandemic, the initial down payment you were required to put down wasn’t more than 20%. However, this has quickly changed with lenders only granting mortgage loans to homebuyers who’re ready to pay a greater down payment. And with many people’s liquidity affected due to the economic shrink, fewer borrowers end up successfully getting the mortgage loans.

Applicants Who Want Jumbo Mortgages

The jumbo loan or mortgage is usually set at a greater value to the minimum limit that the Federal Housing Finance Agency has put. These loans have limits that differ depending on the location, but they’re often valued at $510,400. And with the interest rates for these loans on the rise, lenders are more cautious in giving out these loans.


The global economy has dramatically been affected by the pandemic, which has impacted the ease of getting approved for a mortgage. This in-depth guide has elaborated why this is the case and the most affected borrowers.

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Do Orthopedic Bunion Correctors Really Work?




A bunion, which is scientifically known as Hallux Valgus, is a deformity of the base joint of the big toe. As a result, it will form a swelling on that big toe joint. This condition is common among sportspersons and athletes. There are many causes of bunion development, but we won’t be looking at that today.

Rather, we will be looking at one of the treatments of bunions. Have you ever heard of orthopedic bunion correctors? What are they and how do they work? Above all, do they help to treat bunions? We shall be looking at that in this article.

What Are Orthopedic Bunion Correctors?

These are sleeves designed to be worn around the big toe to fix the swollen bunion. These correctors usually come with a soft and cushioned surface to give the wearer a comfortable feel.

They have been designed differently, and some will correct the bunion in just a few days. Furthermore, these correctors will also help to straighten the toe. The best part is that they are pain-free.

What Exactly Do Bunion Correctors Do?

Bunion correctors are also known as separators, and they specifically help to fix the swollen-toe condition. These sleeves will fix hammer toes, overlapping toes, as well as bunions.

They come in the form of a fabric sleeve or gel that slides over the big toe or all the toes. Furthermore, the correctors will have some design that wraps around the entire foot as they separate the big toe.

A bunion splint will come with a different design, which will feature a straight and rigid stick. The stick may or may not come with a hinge for flexibility.

Regardless of the design of the corrector, they will all have one function – to separate the big toe from the other toes. This is why they are also called the ‘separators’.

If you have a bunion, which includes symptoms like swelling and sore skin, aches and pains, calluses, corns, and more, then you will need the separator. This is because the condition will worsen if the big toe rubs against the other toe.

The more the big toe rubs against the neighboring toe, the more it will point inwards. The attached foot bone will then stick outwards in this case. As a result, the bunion symptoms will only get worse.

So generally, the bunion corrector will help to separate the big toe from touching the neighboring toe.

How about the bunion protectors?

There are plenty of bunion separators and correctors that can be grouped as bunion protectors. However, it is important to note that a bunion protector will not necessarily be a separator or corrector. For instance, a bunion pad, which is a protector, will be designed to protect the bunion and not separate the big toe from other toes.

So in simple terms, a bunion protector is a product that is designed to protect the bunion from rubbing against the inside of your footwear. A bunion protector protects your big toe (bunion) against the shoes or sandals. The protector helps to prevent soreness and inflammation.

Are Bunion Correctors/Separators Effective?

The question is not only about how the bunion correctors work. Rather, it is important to know if these sleeves can work or not. To be honest, you can find several Orthopedic Bunion Correctors that can enhance the healing of a bunion.

Generally, the effectiveness level of a bunion corrector depends on the severity of the bunion. Most people with bunions won’t require surgery. In this case, the correctors help to relieve pain and reducing the corns, calluses, and swelling.

Plus, the bunion correctors will slow down the changes in the shape of your feet. Usually, the change in the shape of your feet will be brought about by the bone joint being pushed out as the bunion develops. Here, you will start experiencing tight shoes that were once comfortable to you.

If you are starting to experience tight shoes that were comfortable, it will mean that the bunion is gradually entering the severity level. Luckily, a pair of gel-bunion correctors can help you in this case. Do not go for the bunion splint because a gel is designed to be worn with the footwear.

By the way, you might have heard that bunion correctors do not work and they are all but just myths and hypes. The truth is that these sleeves are not exactly ‘correctors’ as their name suggests. They are meant to prevent the bunion from getting worse. They won’t miraculously treat the bunions.

Suppose you have a worsened bunion and you want to treat it completely, the only sure way is to go for surgery. Too many times, surgery will be the last resort for people that have severe deformity and unbearable pain. Sadly, the bunion is not always guaranteed to be gone completely after surgery.

But if you treat the bunion before it gets to the worse stage, there are high chances that you will not have to go for surgery. Ideally, it is wise to treat your bunion when it is still in its early stages.

A bunion corrector, in this case, is one of the best options to go for when the bunion is in its early stages. It helps to prevent the condition from worsening, which can then lead to gradual healing.

Which Bunion Corrector Will Work Best for Me?

Honestly, there is no specific bunion corrector that will work for a particular person. However, the bunion corrector you choose will depend largely on the severity of the condition. You can talk to a podiatrist to help you decide if you need a bunion corrector/separator or if you need a protector. Some bunions will need a protector while others will need a corrector. The podiatrist will study your bunion condition and advise the best remedy for it.

Keep in mind that wearing the proper footwear for a bunion and engaging in the proper bunion exercises will help to enhance the healing of the condition. Proper foot hygiene is also paramount at all times. Don’t just wait to develop a bunion so that you can start taking care of it. Prevention is better than cure, remember that.

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The Evolution Of Vaping Technologies?




Vaping seems to be quite a new thing in comparison to cigarettes, which has roots back to the depths of unrecorded time. The history of vaping culture appears to be young if we compare it to cigarettes or hookahs – the last widely used in the East. It is continuously developing even now, and we see more and more news on the vaping market every day. New vape shops are being open every day. A considerable amount of new vapers appears every day.

However, can we call vaping technologies utterly green on the market? The development of the range of modern devices that vapers use now has taken some time. As any usual thing that we use in our everyday routine, e-cigarettes and vapes have to undergo some periods of being adored and being frowned upon and – the last, but never least – the period of being accepted as something usual and straightforward. In vapes are not quite fortunate, they will go through one more life cycle – the period of neglect. This might happen if the society develops something more convenient or cheaper with the same function.



They say that not knowing our history brings us nowhere in the future. It is not this critical in terms of vaping, but, in any case, it is interesting to compare your experience to the one people had decades ago. So, what is the ancestor of a modern vape and box mod? The very first device was strongly cigarette-like; the main difference was in weight and size. These devices became a basic layout for the great industry to follow. The very first e-cigarettes were something far from modern vapingdaily vape mods, and the most exciting function for that time was the ability to recharge the device, though there existed some disposable e-cigs too. The main drawback was the lack of flavor options, lack of the ability to customize the device for user’s personal needs, and comparatively short battery life. However, even taking into consideration the disadvantages and risks of the first e-cigs, they became a significant step into the evolution of vaping devices.


Having understood that customers ask for the ability to make their vaping activity more convenient, the developers started thinking of how to provide vapers with the ability to customize the device. The solution to the problem was found by trials and experiments. This solution provided people with the ability to control the vapor, which in turn has become more of higher quality by adjusting the voltage. In terms of the outer look, devices became bigger, although most of them still looked like a cigarette, or were simply pen-like. The devices of the 2nd generation were 99 percent rechargeable, and the life expectancy of the battery was somehow extended.


Having solved (more or less) the problem of customization, developers understood that the style of the cigarette is also essential. That means that vapes and box mods have become something more than just the way to inhale the vapor, they have gained a new function – to decorate. Box mods also function as accessories now. As some parts are easy to remove and change, you might change your vape according to the event you are visiting: black and white for a rubber chicken dinner, or glossy neon-like bright green for a flashy party. At the same time, the idea of customization was not forgotten. The ability to control your vaping sessions throughout controlling wattage, voltage, temperature, ohms, and airflow, increases the rate of the device. The electronic displays help to change the parameters named before, e.g., to make the wattage higher or set a certain temperature. The only drawback is that the electronic stuffing costs money. Therefore the best vape mods cost an arm and a leg.



The earliest mentioning of the device, which would be suitable for heating the substance using electricity to get vapor for inhalation, goes back to 1927. The author of the idea was Joseph Robinson. The idea was far from the modern vapes; it was more about the system that some devices would provide vapor by using the electricity.

  • 2003: NOBLE CAUSES

Hon Lik, the Chinese pharmacist, became the father of modern e-cigarettes in 2003. His idea of creating an e-cig was not about the technology, but about the medicine. He thought his invention would help people in quitting smoking. He tried it for himself, but, unfortunately, the idea failed. Vapes are not bad; they just obtained some new functions, and not all his intentions worked out.

  • 2019+: NEW GOALS

Undoubtedly, the difference between the first e-cig and modern best box mod is striking; but is that the limit? As for now, vapes’ developers are trying to create better models. The issues that are discussed are Bluetooth connection, nickel or titanium wires, illumination, and voice activation. We cannot be quite precious, whether a specific company is trying to make such ideas come true, but the idea of having Bluetooth function is one of the most discussed: it would allow finding your device more comfortable than ever. The attempts to implement new metal means the efforts to make vaping sessions better and longer for customers. Manufacturers are in search of a metal, which would have higher thermal and electrical conductivity, which, in turn, can result in better temperature regulation sensitivity, longer life of coils, and thicker vapor clouds with more flavourful experience for users. The other ideas are also aimed at the prediction and satisfaction of customer’s needs and wishes.

Manufacturers are also perplexed with the idea of being eco-friendly. It is well-known that the vaping industry harshly harms our planet. Therefore, they try to use organic cotton coils (OCC) now, but the idea is to continue broadening the use of eco-friendly stuff for the industry.

The most wonderful thing, though, is that all these ideas might become a reality one day. Therefore, if you have some ideas on how to make the world of vaping better and accelerate their evolution, do not be shy to contribute!

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How to Prevent Pain in Feet Arch Indoor and Outdoor




Who wants to go through the unbearable pain in the body? It’s like imposing something to you forcefully which you do not have the power to ignore. The sufferings get even more when it attacks our feet.

Most of us pay attention to this problem when we already become a victim or situation gets out of control. No matter how Arch Pain arises in our life, it’s we who are directly or indirectly responsible for this.

What is Feet Arch Pain:

Pain that generally occurs under your feet and in between the area of the big toes to at the end of your feet is called arch pain. Though people of all ages can be affected by this, it is especially common to athletes or professional runners who give more stress to their feet. People who are more into a sedentary lifestyle or have weaker bones and muscles can also suffer from the disease.

It may also affect your bones, ligaments, tendons, and even muscles. The area of the pain is not limited only to feet areas but also can be felt at hips, legs, backbone, or any other parts of the area.

Common Reasons for Arch Pain:

Good health is the first principle of avoiding any unexpected diseases of life, including body or muscle pain. Besides external factors, this sort of pain is more prone to people who have overweight issues.

  • Plantar facilities: It is the main factor of having arch pain. It is a situation where people experience inflammation and acute pain in their feet. Generally, the athletes or runners, and people who have overweight issues undergo with this situation.
  • Neurological Problems: Any external or internal head injuries, including sudden trauma or distress, may result in Arch Pain.
  • Obesity: It is the main reason for the majority of the illness all over the world. A drastic change in weight like sudden weight gain or weight loss, directly affects the muscles and tissues of our bones, including toes.
  • Inappropriate Shoes: Ladies who wear high heels or thin shoes are at high risk of developing arch pains. Also, not wearing perfect size shoes or hard insoles can affect your feet.
  • Ageing: Ageing is a natural process, and we have nothing to do with this harsh reality. As we age, our skin loses its natural elasticity, and muscles become weaker, which can results in arch pain too.
  • Uncontrolled Diabetics: People with high blood sugar are more likely to grow arch pain. As high blood sugars interrupt proper blood flows in the body and as an impact of its chances of arch pain become higher.


We all have probably heard the famous quote by Benjamin Franklin, “An ounce of prevention is worth a pound of cure.” But the question is, how many of us are motivated with this saying? If you really concern about the prevention of Pain in Feet Arch, then it is highly recommended for you to pay attention to your lifestyle. Here are some tips of staying away from Feet Arch pain:

Balanced diet:

To lead a healthy life and gain physical strength, you must have a balanced diet that includes vitamin D and calcium. Meanwhile, limit alcohol consumption too as excessive alcohol intake directly affects your nerve and results in various feet diseases like numbness, swelling, and heavier feeling in legs.

Exercise regularly: 

To strengthening your muscles and bones, and ensure a healthier life there are no alternatives to doing exercise. Moreover, a regular workout is also beneficial to ease any sort of body pain and keep your weight under control. What you need to pay attention while going for an outdoor walk is to carry some basic essentials to make your workout a safer one.

Wear comfortable shoes:

There are various brands available in the market that offer lightweight flexible shoes and promise to provide your feet with the comfort and support they need. However, you need to choose wisely. We would recommend Loom Smart & Vegan Shoes. Loom is the pair of shoes everyone should have in their cupboard! Waterproof, breathable and on top of all, vegan friendly. You will love to have them on your feet as these shoes are made with flexibility and comfort in mind. Wearing wrong shoes also greatly responsible for a foot arch pain. A lot of us, especially women, do not pay attention to the footwear quality. We prefer to choose fashion instead of quality and does bring serious harm to our overall body, including backbone, muscle tissues, heap, and feet. Instead, wear balanced heels and proper arch support footwear if you are concern about health. If you are a man, then try to wear snickers or shoes that contain the right quality insoles.

Reduce excessive pressure on foot:

This is especially a major concern for athletes and those who prefer hardcore running. Excessive pressure on foot may cause swollen feet, ankle, or ligaments injury. 

Control Diabetics:

Uncontrolled diabetics is the root cause of any type of body pain involving feet arch too. Besides controlling blood sugar, each diabetic patient needs to pay attention to external feet injury also and always wear medicated shoes.

Keep weight under control:

It’s our feet that carry our overall body weight. When you are overweight, you are putting too much pressure on your feet and which may develop various diseases like osteoarthritis, gout, muscle strain, and many more.

Some Dos and Don’ts:

If you are already undergoing through arch pain, the following steps will help you to stop deteriorating your conditions:


  • Always wear a comfortable shoe that doesn’t put pressure on your feet.
  • Go for regular workout/exercise.
  • Take at least 5 minutes break in every hour and do some stretching exercises or a short walk.
  • Track your everyday fitness activities.
  • Include plenty of vitamins and calcium-enriched food in your daily diet.
  • Limit alcohol consumption.


  • Do not stand in the same position for more than 30 minutes.
  • Do not take any medicine without consultation from your doctor.
  • Do not leave your body pain untreated.
  • Do not overdo any exercise or too much workout.
  • Do not put additional pressure on your feet that is difficult for you to bear.

When to Consult a Doctor:

As pain is something that we can’t able to see, it is recommended to consult a doctor in order to find out the exact cause of the pain and have the proper treatment. One thing you should remember that the pain can be spread in other parts of your body too.

In case of low to moderate level of arch pain, you can try some ice bag therapy, and if possible, you can try some stretching exercise too.

If you face acute pain in your feet internally or as a result of physical injury, you should consult a doctor immediately to prevent the situation from getting worse.


Our body has been structured in a way where every part is interlinked. Though Arch Pain can attack anytime to anybody, a little effort from our site can keep this unwanted companion away from our life. Just follow the rules of maintaining sound body and mind, and it will take care of your overall well-being.


Sophie Elise is a passionate cyclist, author, and blogger. She is very passionate about writing on different types of women’s bikes, accessories, health, fitness and more. She regularly writes on

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