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.
Your credit score, the type of loan youâre seeking, the lender youâre talking with and other factors can all play a role in what rate you get quoted. Every buyerâs situation is different. One of the benefits of VA loans is they typically feature lower average interest rates than other loans, including conventional. The interest rate will directly affect your monthly payment. Letâs look at an example for a 30-year fixed-rate VA loan at $300,000. We'll also assume this is a first-time buyer who will finance the 2.15 percent VA Funding Fee. You can see how the interest rate affects the monthly principal and interest portions of the mortgage payment: