Moment tracks how many minutes you spend on your phone each day, along with how many times you unlock it. You can set your own limit on phone usage, and the $4.99 iPhone app will send you a notification when you've reached the threshold.e estimated he was spending 45 or 55 minutes a day on his phone, and his fiancee thought her use was around 60 minutes. They both ended up clocking in around double those numbers, he said. âThereâs a perception when youâre using your phone that time goes by fairly quickly,â he said.
The VA loan allows veterans 103.3 percent financing without private mortgage insurance (PMI) or a 20 percent second mortgage and up to $6,000 for energy efficient improvements. A VA funding fee of 0 to 3.3% of the loan amount is paid to the VA; this fee may also be financed and some may qualify for an exemption.
The VA loan origination fee is a typical 1%, but may vary among lenders and states. Generally, lenders offering VA loans estimate closing costs from 3 to 5% of the loan amount.The veteran buyer is often allowed to roll VA loan origination fee and other closing costs into the loan.f you cannot afford to pay cash the VA loan origination fee, funding fee and other closing costs, talk to the lender to get those included in the loan. Even if not every VA approved lender will agree to roll home loan origination fee and others in the loan, most will.