The loan to value is the size of the downpayment as a percentage of the entire amount of the loan. The higher the loan to value number, the riskier the loan is considered by lenders and the higher your rate may be, or you may need to purchase Private Mortgage Insurance (PMI) until you reach a predetermined LTV.
Prenatal vitamins are available over-the-counter in nearly any pharmacy. Your health care provider might recommend a specific brand of prenatal vitamins or leave the choice up to you. Generally, look for a prenatal vitamin that contains: Folic acid; Calcium; Iron; Vitamin D
Some women take prenatal vitamins when they are not pregnant, and while the supplements can make up for certain nutrients, they can potentially be more harmful than helpful. Some women take prenatal vitamins when they are not pregnant, and while the supplements can make up for certain nutrients, they can potentially be more harmful than helpful. According to the Mayo Clinic, a healthy, well-balanced diet can provide all that is necessary for a single human being without the need for multivitamins.