5 Steps to Record Vocals at Home Like a Pro on a Low Budget

Table of Content

• Behringer SL 84C — Best Budget Pick
• The Top Mic Pop Filter For Your Studio In 2022
• The 8 Best Microphones For Recording Vocals At Home [+ Step-By-Step Recording Guide]
• Top 10 Best Microphones For Recording Vocals
• Shure SM7B Vocal Dynamic Microphone
• Warm Audio WA-47Jr

It is important to have an audio interface if you plan on doing any recording with your computer. If they are clear and accurate, then your microphone is probably fine. The sound pressure level is the amount of pressure that a microphone can handle before it starts to distort the sound. This is important to know because if you are recording in a loud environment, you will need a microphone with a higher SPL rating. Are you looking for a premium-grade condenser microphone that can handle multiple recording applications?

Make sure your vocalist is not listening to too much music, and leave plenty of space between their headphones and the microphone. In chorus settings, it can be very effective to layer vocals. However, there are a few general considerations that can help narrow down the field.

Behringer SL 84C — Best Budget Pick

Usually tubes give a warmer quality to audio and this stays true with this mic’s dual triode tube. Does not have a completely flat frequency response range and is boosted just after 6 kHz. Extremely low noise and high clarity thanks to a wide frequency response and special electric circuit. Additionally, the Yeti X has more features than the Yeti, such as LED metering, and the VO! A cardioid pickup pattern can record sound from the front and sides of the unit.

Typical 3-Prong XLR CableThe main reason I wanted to talk about XLR's is to save you some money. One of the biggest myths in the business, and it's only perpetuated by audiophiles who have more money than sense, is that super expensive cables are better than cheap ones. I honestly would only ever use these kits inside of a vocal booth, and have. Some people are happy to plaster their walls with this stuff, but not only would I not want to look at it, but it's not that great. The positive is that it's cheaper than the dickens and does help. I'm going to tell you a little about it here, but if you want to learn more please head over to our full feature on acoustic treatment.

The Top Mic Pop Filter For Your Studio In 2022

If this is the spot you try to save money on, you're going to doom yourself. Don't buy some kind of $50 dollar cheap audio interface and expect any of the components inside of it to be worth a crap. Many beginners will attempt to use their computer's sound card, but not only does it not feature all of the components you need, but the ones they do have don't cut it.

This is a good pattern for vocals or close-miking instruments. A bi-directional polar pattern records audio from its direct front and direct back. This is a good pattern for recording something like a lecture, where you need to hear the speaker as well as questions from the audience. An omnidirectional polar pattern picks up sound from all around its capsule, and this mic is a good choice if you’re making full-room recordings.

The 8 Best Microphones For Recording Vocals At Home [+ Step-By-Step Recording Guide]

You are getting an accurate, true recreation of your vocals. I actually dropped it by accident and it chipped the corner of my desk. And even though it is so sturdy, it still manages to be light compared to many other mics this size. The design of the Origin makes it look like an omni-directional or even bi-directional mic. But this is very much a cardioid mic and the logo shows where the diaphragm sits.

I’m starting to see Aston microphones pop up in a lot more studios and they seem to be gaining a lot more popularity. By asking a few simple questions, you can narrow down your search. Are there samples, in-built sounds, and loops you can use for writing softwares? Some of these software is available for free with a few restrictions. An audio workstation, also known as a DAW, is a type of electronic device or software used in the creation of digital music.

Furthermore, Apple’s Garage Band is an excellent choice because it is simple to use and allows you to use a variety of audio effects. FL Studio Producer is ideal for those who want to produce music tracks quickly and effectively. When a microphone is connected to a speaker, feedback is produced and noise is captured.

But to make things a little bit easier, we'll give you a rundown of our top of the top picks for vocal mics. A pattern indicates us how a microphone will react to sounds coming from different angles about its central axis. There are around seven types of patterns but we’ll only outline the main patterns used in vocal microphones. With this equipment, you'll be able to make good quality home recordings. You'll need a lot more equipment if you're trying to a professional studio recording. If you want to invest further into the quality of your vocals - read our guide on the top preamps for vocal performances.

Neumann TLM 102 Condenser Microphone - Great for Home and Project Studio.

The C214 is the kind of mic you can throw in front of any singer even if they don’t have any recording experience, and it would still sound smooth. They are less harsh and generally need less de-essing compared to condenser microphones. Dynamic mics don’t capture all the high frequency sounds like condenser mics do, and they tend not to need a de-esser at all, even with heavy compression.

So if you're looking for a versatile, reliable and affordable home studio condenser microphone, the Audio-Technica AT2020 is the perfect option. They are portable, compact, wired microphones that are widely used in filmmaking and broadcasting. Lav mics are ideal for recording dialogue as they are discreet and easy to handle. It will take the recordings and lay them out for you on a multi-track where you can then proceed to signal processing and making your vocals sound even better.

And on the rear of the C414 sits two switches with LED lights too. The left switch is a pre-attenuation control enabling you to select one of 4 pre-attenuation settings (0 dB, -6 dB, -12 dB, -18 dB). In short, you can adjust the settings to accommodate for louder sound sources. Switch between 0, 40, 80 and 160hz and roll off any unneeded low end. Once you have your comping and editing done with your vocal take, then you are ready to process your track! These are the most common and basic elements of sound mixing and are very straightforward.

Make sure there's not too much reverb or echo on the recording. Place the mic in the center of your mouth, 2-3 inches from your lips. If you follow these tips, you will be able to keep your microphone in good condition and ensure its longevity.

Bedrooms and living rooms work well, but bathrooms, kitchens, and others with lots of hard surfaces often don't. Straightforward to use whether for home recording or in professional studios. Mic Basics is here to help you find the best microphone for your needs, every time.

He’d had them since the 60s and they were just incredible on anything, in particular, they take EQ in post-production extremely well. It works great for male and female vocals as well as acoustic and electric guitars. It should last a lifetime and if you’re very serious about your craft, it could be worth it solely on the fact that you’ll never have to think about a mic again. People love ribbon mics for their silky smooth vintage tone, and that’s because they’re designed to create a roll-off on their high frequencies resulting in a flawless sound. But because they’re so fragile and have very low SPL handling, they’re very easy to break. They need to be handled with the utmost care, if you accidentally blow in them or move them too hastily, the ribbon can be easily damaged.

10 Best Vocal Microphones for Live & Studio Recording in 2022 Buying Guide

Table of Content

• The best recording microphone for instruments is the Shure SM57
• Best Home & Studio Mics for Recording Vocals
• Rode NT1-A – the best condenser microphone for beginners
• START RECORDING QUICKLY

Unless otherwise specifically advertised, promotional offers are not combinable with any other offer or volume based or other discounts to which you may be entitled. Advertised configurations and limited time offers only available to customers in Canada. All purchases subject to Dell's Customer Agreement or Dell's standard terms of sale, Dell's limited warranty terms and the applicable Dell or third party service agreement.

It has an awesome vintage look that is coupled with it’s famous vintage sound. It has excellent warmth in the mid-range, making it great for recording vocals and acoustic guitar. The Shure SM7B is an extremely reliable and consistent microphone.

The best recording microphone for instruments is the Shure SM57

Still, for all its durability it still manages to boast an attractive and elegant design that will be a good look for any live performer. A sensational all-rounder at a great price which is sure to appeal to a range of users. Lovers of vintage music or who want a timeless yet high quality sound. Like the Neumann U47 before it, the WA-47 has some heft to it, with a shipping weight of just under 13 lbs. It is not only a dead ringer for its predecessor, it has a very similar sonic profile making it perfect for those who want to give their music a vintage sound.

You’ve removed any resonant frequencies, shaped the tone to your liking via compression, and must now add some sparkle to your track. This distance provides a lot of clarity while also avoiding the dreaded boomy proximity effect. Ideally, the microphone needs to be three hands away from your mouth. It’s straightforward to use, partly due to its lack of features. You can just plug this mic in and get going without any fussing around with the calibration.

Best Home & Studio Mics for Recording Vocals

This powerful voice recording app allows the user to adjust the sample rate, bit rate, and gain before recording. Users can try a short test recording and re-listen and change the settings as required. The app is available on Android, but the free version comes with ads. This bad boy gives you so many inputs and outputs that you'll be ready to record an entire band, including a million drum mics, but you'll need to add some preamps into the mix. Focusrite offers expansions that can daisy-chain to this main interface though.

It’s a nominally cardioid-only microphone without any built-in pads or filters. It’s not exceptionally sturdy, so I wouldn’t recommend taking it out of your studio for live performances or anything similar. However, it’s sturdy and certainly does not have a “cheap” feel. You may need to buy a few extras, like an additional external pop filter, a mic stand, and maybe an external shock mount. What separates this microphone from the rest of our list is its 7-pin XLR connectivity rather than the classic 3-pin XLR. 7-pin XLR connectors are very specific for some valve condenser microphones and connect the microphone to its power supply.

Rode NT1-A – the best condenser microphone for beginners

Next, select the input source for your microphone from the “Input” drop-down menu. Then, click the “Record” button and start singing into your microphone. When you’re finished, click the “Stop” button and your vocal performance will be recorded into Pro Tools. FL Studio is not just a place where artists get to hone their craft, but it is also a way of life for many of them. FL Studio allows you to work with a wide range of artists and abilities, from beginners to expert. The most similar audio editor is Audacity, a free and lightweight application that adds third-party features without requiring any prior knowledge of them.

Build quality is top-notch and, although it’s not cheap, it’s a real step up from less expensive mics such as the Shure SM58. Just be aware that this is a super-cardioid mic with a focused pattern, so if you’re a lively performer be careful not to move too far off-axis. The M80 is a flamboyant stage mic that’s available in no less than 15 colours including fluoro pink, yellow, orange and a handful of metallics. If you’re the kind of performer who lives on the very edge of good taste then you can even mix and match the colour of the body and grille to go full-on ’80s neon. Or you can rein it back in and go traditional black and chrome for sophisticated appearances.

These microphone patterns are just like the Cardioid, but even more extreme, with hypercardioid being the most narrow in direction. These are best for general purposes and can be used to record any sound source, given that you want to limit the amount of sound you get from the room. This guide is here to help inform you on different microphone types, their purposes, and give you a rundown on how to choose the most ideal microphone for your needs.

+ Straightforward to use whether for home recording or in professional studios. The right room - Even at home, it's crucial to record vocals in the best space possible. Ideally, you want a room that doesn't cause too many major reflections but doesn't muffle your sound either.

Best Microphones for Recording Vocals ( – Home & Studio

Thanks to the digital world that we live in, correctly gaining your microphone isn’t as important as it was in the analog days. It’s a unidirectional cardioid dynamic vocal mic designed for use in live performances. It has an excellent spherical filter to minimize external noise such as “pops” and wind. As a result, you’ll more than likely notice some low-end boominess if you record vocals too close to the microphone head due to the proximity effect. So if rolling off low-end frequencies doesn’t work, you’ll need to back up from the mic while raising your input level to accommodate for the distance. However, this may well lead to the mic capturing more room noise – so if you haven’t got a properly treated room then you may want to consider a different microphone for vocals.

Make sure you perform a soundcheck before a performance or presentation to avoid being bothered by feedback. It can be a difficult task to record vocals, but with the proper tips and equipment, you can get rid of it quickly. Before you begin recording, you must first make sure you have a good mix. To put it another way, you must be able to tell how your voice is interacting with the microphone and the instrument. When you can experiment and fail until you find the right mix, this is fine, but when you cannot hear yourself, you will need some good headphones.

Warm Audio WA-47Jr

No matter what type of vocalist you're recording, expect a lot of sibilance and plosives at times. Now that you have a proper understanding of the various types of microphones that exist, you’re in a better position to select the best mic for your home studio. USB microphones are most suitable for podcasters who use their home studio for spoken word recordings. But you’ll find that many acoustic guitarists and and singer-songwriters are satisfied with its ease of use and ease of setting up. Boundary microphones are essentially omnidirectional microphones that have a half-space polar pattern.

The Shure MV7 USB/XLR Dynamic Microphone delivers the same legendary performance as the SM7B, with a touch panel interface for easy control over your audio. This microphone is perfect for close-up vocal applications that require intelligibility and balance. Shotgun microphones are more directional than a typical cardioid or super-cardioid microphone. Shotgun mics reject unwanted sounds coming at the microphone from the sides and picks up clear sound from the source depending on where the microphone is pointed. That also means that you shouldn't scream directly into it or let spit fly into it, etc. If you decide to record a rapper or "screamo" type of vocalist on it, make sure they face off-axis and use a pop-filter and windscreen, without question.

It may not have the top quality that high-end studios need, but it is a perfect and affordable way to begin building your home studio. Phenomenal, tried and tested legendary microphone that will only help you achieve excellent vocal takes. Known for its strong ability to cope with frequency changes and dynamic range.

This mic features a voice tailored frequency response for studio-like performance, while the large diaphragm and humbucking coil provide premium sound. Plus, the bass roll-off switch allows you to fine tune your sound. The Shure SM7B Vocal Dynamic Microphone is a top choice for professional audio applications. It delivers a smooth, flat, wide-range frequency response, making it ideal for music and speech. Almost all smartphones come with a built-in microphone for recording audio on the go. The quality of these recordings though is most times not fit for professional use.

Can I Get a Mortgage After Chapter 7 Bankruptcy?

Table of Content

• Who Reports Bankruptcies To The Credit Bureaus
• Mortgage After Bankruptcy In : Qualifying After Financial Setbacks
• How To Tell If Someone Filed Bankruptcy
• Additional Requirements and Assistance

Most people do not realize that you can get a home loan only 12 months after your Chapter 13 bankruptcy. Securing a mortgage will be dependent on how long it has been since you were discharged from your bankruptcy or consumer proposal. Most lenders consider the discharge date on both to be your new ground zero.

Provide additional paperwork, such as a written explanation of your credit circumstances or a letter from your accountant. Credit reporting agencies keep a record of bankruptcy for five years from the date you become bankrupt, or two years from when your bankruptcy ends, whichever is later. This comes with a monthly fee, but the reduced interest rate more than makes up the difference.

Who Reports Bankruptcies To The Credit Bureaus

When applying for a loan to tap into your home equity, you may need an appraisal to determine the current market value of your home. You can typically borrow up to 85% of your home value, including your primary mortgage and a HELOC or home equity loan. Here's how lien stripping and loan cramdowns work to reduce mortgages in Chapter 13. Find out if you qualify to wipe out debts in Chapter 7 bankruptcy. Technically, a car loan is a "mortgage," too, but we don't discuss car loans in this article.

Also, you can't file for bankruptcy for a certain number of years . So, although your credit report has the negative mark of a bankruptcy, as long as you have a steady income, you're probably not as bad a credit risk as you might think. If you put less than 20% down on a conventional loan, you will be required to purchase private mortgage insurance which protects the lender in the event that payments are not made. Once you have 20% equitybecause you have paid your loan balance down, because the value of the home has increased, or a combination of the twoyou will be able to eliminate the PMI. If you are behind in mortgage payments, you can pay off the arrears through your Chapter 13 repayment plan .

Mortgage After Bankruptcy In : Qualifying After Financial Setbacks

Even after that time has elapsed, it may be more difficult to obtain a mortgage loan than it would have been if you didn’t declare bankruptcy, and you may pay a higher interest rate. Bankruptcy can give you a fresh financial start, but it can also hurt your credit — and that can make it difficult to get a mortgage. Here’s what is involved in getting a mortgage after bankruptcy, and how to increase your chances of qualifying for a loan. For government-backed loans, the waiting period following a foreclosure depends on the loan that was foreclosed.

Applicants will be eligible for this loan three years after receiving a Chapter 7 discharge. FHA has another rule—you can qualify by choosing not to open any credit accounts after bankruptcy. In most cases, you'll need to wait two years from the date of your Chapter 7 bankruptcy discharge before you'll qualify for this loan. Keep in mind that a discharge date isn't the same as the filing date.

How To Tell If Someone Filed Bankruptcy

It won't come as a surprise that you'll need to meet other criteria, too—although you might not realize that individual lenders could impose tougher guidelines. Even so, with persistence, it's likely that you'll find a bank who will be willing to work with you. This loan product can help people with higher debt loads purchase a home. If you'd like better terms, consider taking steps to improve a credit score of less than 640.

A bankruptcy, whatever the reason, tells a lender the person filing had trouble paying bills. Lenders want to make sure that someone who had to take that drastic financial step is now a good risk. A mortgage is a lot of money that takes a long time to pay back. Lenders aren’t punishing mortgage applicants for filing bankruptcy, they just want to make sure they’re a good financial bet.

Chapter 13 – Eligible after 12 months if they’ve stuck to their plan payments. Chapter 13 — Two years if plan payments have been made on time and the trustee of the bankruptcy gives an OK. Most home buyers have to wait at least 2 years after Chapter 7 discharge before they can get approved for a home loan.

That’s a difference of almost $52,000 by the time the mortgage is paid off. Another factor is you – what led to your bankruptcy, how you have handled your finances since and how you plan to handle them going forward. With that being said, it is possible to buy a home after bankruptcy, but its going to take some planning and preparation, as well as quite a bit of patience. You can find out how to rebuild your credit in Improving Credit After Bankruptcy or Foreclosure. Andrew Dehan is a professional writer who writes about real estate and homeownership. First, a preapproval letter lets you know which homes are in your budget and allows you to narrow your property search.

Instead of wiping away debt, Chapter 13 involves a reorganization of your debts. This means you may need to make scheduled payments to your creditors. Chapter 13 bankruptcy also doesn’t have as large of an effect on your credit score – and you can keep your assets. It’s important to explain to each lender why you declared bankruptcy. The Bankruptcy Code provides six different types of bankruptcy — chapters 7, 9, 11, 12, 13 and 15 — each of which applies to specific circumstances. Individuals can only apply for Chapter 7 or 13 bankruptcy; the others are reserved for businesses.

For this to be approved, you’ll need to show that you filed bankruptcy through no fault of your own and that you’ve handled your finances well since that time. FHA and VA loans are the most generous following Chapter 13 these lenders simply require the court to dismiss or discharge your bankruptcy before you apply. FHA also will guarantee a mortgage as soon as 12 months after you file Chapter 13, provided you are making court-ordered payments on time.

Waiting Period For Chapter 13 Bankruptcy

Your debt-to-income ratio usually needs to be 43% or lower, which means your minimum payments on recurring debt must be 43% or less of your gross monthly income. A home equity line of credit is a revolving line of credit that you access like a credit card. Your payments are based on the amount you use, not the full line of credit. If the mortgaged property isn't your residence, such as a rental property, the rule is different. You can reduce the mortgage amount to reflect the property's value.

Your lender has the option to take action to recover the debt if youre in arrears. Filing bankruptcy doesnt mean youll never qualify for a mortgage. One reason to file a bankruptcy case is to eliminate burdensome debt so you can get a fresh start. Some lenders, such as credit card;and even certain car loan creditors, will take a chance on you right after you emerge from bankruptcy. To have the best chance of getting a mortgage, youll want a history of different types of debt.

It’s a good idea to check your credit report before you apply for a home loan to make sure it’s accurate. Look for mistakes such as incorrect or outdated information or accounts that were not included in your bankruptcy filing that are listed as part of it. Be sure to contact the credit agency as soon as possible and dispute any errors you find. There’s one thing that’s true when applying for a mortgage, whether it comes after a bankruptcy or not – credit score is king. The better the score, the quicker you will be approved and the lower the interest rate will be.

If you’ve ever gone through a bankruptcy, you know how emotionally difficult it can be. There are also ongoing financial repercussions, including effects on your credit score and report. Yes, you reduce or eliminate debts, but the tradeoff for this is that your ability to get credit in the future is impacted. If you are forced to file for bankruptcy following a foreclosure, know that you may still qualify for another mortgage in the future.

Getting A Mortgage After Bankruptcy

Table of Content

• What Happens to Mortgages in Chapter 7 Bankruptcy?
• How To Qualify For Home Loan After Bankruptcy
• After a Chapter 7 Bankruptcy Discharge
• What Happens To A Second Mortgage During Bankruptcy
• Bankruptcy At A Glance
• Can I Get a Mortgage After Chapter 7 Bankruptcy?
• Qualifying for a Conventional Loan With Student Loan Debt

If you faced bankruptcy at one point and you don’t have a lot of money to put toward a down payment, you may have the option of an FHA or VA loan. Two years gives you time to rebuild your credit in a pretty meaningful way. This means you’re not just more likely to qualify for a mortgage but also get better terms.

It's attractive to first-time, cash-strapped home buyers because it offers the ability to put down as little as 3.5% of the purchase price. Filing for bankruptcy doesn't have to put a damper on your home buying dream—at least not for long. Also a good reason to proactively start rebuilding your credit as soon as possible after bankruptcy or insolvency, even if you don't need to borrow money. This way, down the road when you do need to borrow money, you can. It requires going to a B or C level lender, and the rates won't be as good, but it is possible. The other thing to watch out for is that some of the B and C lenders can be predatory, so be sure to understand the details.

What Happens to Mortgages in Chapter 7 Bankruptcy?

At;LoanBox.ca;we specialize in providing mortgage financing to Canadians with bad credit, previous bankruptcy, consumer proposal, and more. So whether you’re looking for a plan to help you qualify for a mortgage with the most favourable terms or if you need something more immediate. It would be a pleasure to outline your options and work on a plan to get you a mortgage. If you don’t have a 20% downpayment, you will be required to secure mortgage insurance through CMHC, Sagen , or Canada Guaranty. The more money you have to put towards purchasing a property, or the more equity you have in your property in the case of a refinance, the better your chances of getting a mortgage. The more money you bring to the table, the more comfortable a lender will feel about the risk they take of losing their investment should you run into future financial difficulty.

If the bankruptcy court dismisses the bankruptcy , the waiting period is four years from the dismissal date. If the court discharges the case , the time is four years from the date you filed and two years from the discharge date. If youve ever gone through a bankruptcy, you know how emotionally difficult it can be. On your credit report, be sure to watch for debts that have already been repaid or discharged.

How To Qualify For Home Loan After Bankruptcy

The good news is that your mortgage company cannot raise your interest rate or change other terms of your loan to punish you for filing bankruptcy. The bad news is that some homeowners filing for Chapter 7 bankruptcy will lose their homes. In Chapter 13 bankruptcy, you can keep your home and continue with your current mortgage. Chapter 13 Two years if plan payments have been made on time and the trustee of the bankruptcy gives an OK. If you had a bankruptcy discharged a year ago or more, you might be starting to get your finances back in order. The FHA doesn’t make the loans, but they guarantee loans made by private lenders, reducing the lender's risk.

Of course, a bankruptcy on your financial record is a major red flag. Find out the conditions under which you can get a home equity loan tax deduction. Overall, bankruptcy should not prevent you from getting a future mortgage, but you want to ensure your timing is right. All of our content is authored by highly qualified professionals and edited by subject matter experts, who ensure everything we publish is objective, accurate and trustworthy.

After a Chapter 7 Bankruptcy Discharge

If you can’t put down the full 20% at the time of purchase, you’ll have to pay PMI. Mortgage lenders are still willing to take a chance on you after a bankruptcy, but they do want some assurance that you will be able to maintain the payments. Having a waiting period in place gives you the chance to rebuild your credit score and show that you have the ability to take on and maintain mortgage payments. With a chapter 13 bankruptcy, borrowers will not lose their property. You will include details on how you plan on paying your mortgage in your repayment plan. In most cases, an automatic stay is issued once Chapter 13 is filed.

The discharge date is the day you’re no longer liable for the debts included in your bankruptcy. This date could be a few months after the filing date or several years later, depending on whether you file Chapter 7 or 13. If you’re trying to get a mortgage after bankruptcy, the first thing you’ll need to do is get your credit score back on track. There’s no quick fix for rebuilding your credit after a bankruptcy, but your most recent actions have a more significant impact on your credit score than past negative events. In Chapter 13 bankruptcy, consumers enter a repayment plan for their debts rather than surrendering property. After successfully completing the repayment plan — which ranges from three to five years — the debts are discharged.

Some banks have a three-year waiting period, which overrules the FHAs waiting period. Below we will give you a few examples of some lenders who may be able to finance your loan. The good news is that we are keeping up with all of this throughout our extensive lender network. All you need to do is , answer a few simple questions and we will connect you with what we think will be the best fit.

After a few months of making payments on your secured credit card, you should apply for an unsecured card so you can show responsibility across multiple credit lines. When you do begin to apply for a mortgage after bankruptcy, your lender will likely ask you a few questions about your bankruptcy. They may ask you when your case was discharged, what you’ve done to establish new credit, and how you’ve been keeping up with your bills. It’s a good idea to have the answers to these questions ready beforehand so that the application process runs smoothly.

But you can qualify for some types of mortgage loans much easier than others. FHA loans are a good fit for first-time homebuyers and those with a less than perfect credit history who would have a harder time getting a conventional loan. Here, the government doesn’t loan you the money, instead guaranteeing loans from private lenders. If the borrower doesn’t pay as agreed, the federal housing administration protects the lender. Examples of a situation like this include the death of a spouse, a natural catastrophe or a severe medical illness.

This can be an especially important consideration after a bankruptcy. In this article, we’ll take a closer look at how to buy a home after bankruptcy. We’ll also show you how long you need to wait after filing to apply for a loan, and how you can maximize your chances of success. Learn the ins and outs of a home equity loan vs. a home equity line of credit to decide which option is best for your financial goals. You’ll pay closing costs that will increase your loan balance or require cash. Closing costs typically range from 2% to 5% of the loan amount, which you can pay upfront or wrap into your loan.

How Long After Bankruptcy Can You Buy A House?

The fastest and easiest way to raise your credit score is to make your credit card and loan payments on schedule each month. Consider signing up for auto-pay if you have trouble managing your payment due dates. Most credit card and loan companies have an auto-pay feature that automatically deducts your minimum payment on the day it’s due. From there, you make payments on your account and pay off your debt each month. You can get a secured credit card with a low credit score, even after a bankruptcy. Unlike credit card debt or a personal loan, your home is collateral for home equity loans and refinances.

Someone who knows the market, has good relationships with the lenders who might accept you, and who knows how to make your application look good. Make an enquiry to get matched with the perfect broker for you. Having bankruptcy on your your ability to access equity release. The good thing is that with the right help and advice you can get a mortgage with a similar LTV and interest rates to what other borrowers get. If you have more than one filing within the past 7 years, the waiting period is 5 years from the most recent discharge or 3 years with extenuating circumstances. If your foreclosure occurred prior to your bankruptcy, your waiting period will start the day of your discharge.

67 Best Gifts for Tweens & Preteens 2022 Crate & Kids

Table of Content

• Kitsch satin heatless curling set with gold claw clip
• Yamaha CGS102A 1/2 Size Classical Guitar
• Best Baby Gifts
• Exploding Kittens Card Game

Hello there, I'm Vivid Lee and welcome to my humble blog Vivid Gift Ideas. Through this blog, I share gift ideas for all kinds of occasions and recipients. That's me and my cat Chester in the profile picture above. An awesome fitness gift for tweens — heavy-duty trampoline with adjustable handlebar to perform a full range of exercises safely at home. Ten minutes on trampoline per day can improve your stamina and increase your muscle density.

Once this is installed, follow the prompts to re-enact scenes from the movie and get a great see through effect with the cloak. It’s a great gift that your child and all her friends are sure to enjoy. There are depressingly few children’s books by and about Asian Americans and Pacific Islanders—and even fewer that delve into their history. As the parent of Asian American kids, I’m always on the lookout for new offerings, and one standout is Prairie Lotus by Newbery Medal winner Linda Sue Park.

Kitsch satin heatless curling set with gold claw clip

Once her journal is decorated to her liking, she can work on filling the inside with doodles and daydreams. Find the coolest presents to win your tween girl's heart. And the ThinkFun Gravity Maze is just a solid single-player puzzle kids are sure to get hours and hours of usage out of. This beautiful journal gives the safety of distance. You may be surprised at the personal questions and answers your child will ask on paper. If you’re experiencing some new issues communicating with your preteen, this book could be the answer to your prayers.

Scooters and skateboards may be taking centerstage as the new trends in portable transportation, but nothing beats a good old-fashioned bike. There are many bikes to choose from, but we love this Roadmaster because it’s affordably priced and it can transition easily from smooth streets to unpaved paths. Its 24” wheels make it the perfect size for your tween while the tool free adjustable seat makes it convenient and low maintenance. The perfect iPhone accessory, these airpods are easy to find when digging through a purse and they don’t come with any wires or bands that could mess up your tween’s hair. Once connected, they will automatically activate making them easy to set up and use with all Apple devices.

Yamaha CGS102A 1/2 Size Classical Guitar

Her passion for coding helps her escape all that and she soon rises above by launching her own fashion-based app, The Fashionist. This is an inspirational book that is sure to encourage all tweens to follow their dreams. We love finding gifts that are unusual, thoughtful, and well vetted. The Nintendo Switch became a hot item during the pandemic, and it's still high on tweens' wish lists. If your kid doesn't have a Nintendo Switch, you can't go wrong with this gaming system. It's a splurge, but it's not as expensive as the PS5 or Xbox Series X, and it's easier to get your hands on than either of those consoles.

This also comes with Mario Kart 7, so kids already have something to play out the box. It’s still the Pokemon game kids and adults love, but with a few new exciting ideas. This luxury drone is perfect for the outdoor child. Whether it’s capturing skatepark footage from above or just for the fun of flying through the sky, drones are a solid gift choice.

Best Baby Gifts

Even on nights when the full night sky isn't in clear sight, this nightstand-friendly lamp lets them fall asleep to the moon's glow. With a click of a button, they can switch between 16 different moon colors, instantly changing the vibe of their space. Is it interior decoration if it’s outside and on your bike?

The lobster clasp gives her the security of knowing it will never fall off her neck. She will love the feeling of protection as well as the fashionable look this evil eye necklace gives her every time she puts it on. We think Pop Chart’s Scratch-Off Prints are particularly artistic and charming.

It can be configured in multiple ways to keep it interesting and new for kids as time goes on and is extremely easy to assemble. Best suited for children ages six years and older, this is one cool robot kit where kids can learn the basics of coding – something we know they’ll appreciate. The robots can be built in so many ways, allowing for hundreds of hours of educational STEM play. Magna Tiles are a true favorite amongst kids – making them a definite highlight on our list of the best big gifts for kids.

The kit includes feathers, gems, beads, a comb, rings, glue, barrettes, head bands and all the materials required for making pieces that stand out. This is a gift that will help her express her creativity while making hair accessories she will be proud to wear. If your tween loves listening to her jams, she will love listening to music even more when she sports these adorable cat ear headphones. They feature red, blue and green LED lights that blink and change color with the rhythm of the music. Their Bluetooth technology ensures that they are powerful and provide high quality sound.

They deliver clear definition music with deep bass. This stationery kit with beachy tropical feel also makes a great gift for VSCO girls. For the tween who loves note-making and journaling, this gorgeous stationery set is perfect for her. It comes chic paper clips, cactus-shaped push pins, large binder clips, gold pen with cactus pendant, sticky notes, and a writing pad.

This can be used by children of varying ages – basically anywhere from two years old to twelve years old. It’s very durable and easy to assemble and will hold up against the elements even in harsh conditions like rain and snow. This intermediate tube does take a little bit of balance and some skill but it’s a great option for older kids, teens, and adults.

A winterized, fuzzy version of the brand's belt bag, this fanny-pack-slash-cross body bag holds a phone, keys and wallet and keeps hands free for activity. This stylish sherpa trench from Alo sells out every year – and rightfully so. The oversized coat offers serious warmth and comfort on par with wearing a favorite blanket.

66 Best Gifts for Teens in 2022 Cool Teen Gift Ideas

Table of Content

• Real Life Crafted custom journal
• Best Toddler Gifts
• Victrola Re-Spin Sustainable Bluetooth suitcase record player
• X Rocker Eclipse Floor Rocker Gaming Chair
• Playz Edible Candy! Food Science STEM Chemistry Kit
• JORLAI Vinyl Record Player
• Nintendo Switch – OLED Model

A great activity for kids and families alike, it’s agreat source of exercise–work that core! This inflatable paddleboard set from SereneLife is an absolute winner, too. A board made for adults and children, this one is available in multiple colors and patterns, and comes with everything your kids need to get on the water and have fun.

However, the 3Doodler Start is slower and offers fewer features than most 3D pens. Older tweens—or those who have more experience with 3D art—may prefer the 3Doodler Create+, our top pick for the best 3D pen. We found it provides the best overall experience, with a comfortable grip and two heat settings .

Real Life Crafted custom journal

Your tween girl can make an announcement, inspiring message, joke, or any mood that needs to be shared with this letterboard. Available in a variety of colors and sizes, the board comes with 300 easy-to-place letters, characters, and shapes, so they’ll always be able to express themselves. For the tween girl who has decided their bedroom is in dire need of an upgrade, this marquee-style initial is perfect. Lights change to 16 different colors and four different modes to match their whim and can be managed via remote control . Even better, it lights up with the rhythm of the music.

With 105 interchangeable letters and symbols to choose from, this lightbox makes it easy and fun for your teen to share a new message each day. There are variations of this fluffy bag all over TikTok, but this black and white floral design is versatile enough to go with any style — edgy, girly or something in between. At least that's what the kids say these days, right? Brighten up their bedroom with this DIY wall display. While it looks like a neon light, it's actually a 10-foot LED rope light that they can twist and shape into a favorite word or shape.

Best Toddler Gifts

The metal is 14K gold plated assuring it is tarnish resistant. The eye is available in natural turquoise, clear quartz, lapis lazuli or labradorite. The necklace hangs at 16” with a 2” extension and the pendant is .7x.4 inches making the necklace the perfect size for your tween, not too small but not overpowering either.

When my daughter was 12, pineapple was her favorite fruit. Another distinctive option, Brite Lite Tribe makes custom LED neon signs, using one of over a dozen fonts and 18 colors to write a name or message of your choosing. Your tween girl can use the Echo Dot to play music, audiobooks, podcasts, ask Alexa questions, set alarms, check the news, call friends and family, and much more.

Victrola Re-Spin Sustainable Bluetooth suitcase record player

The bright colors and mermaid scale pattern are just bonuses, really. Real Simple is part of the Dotdash Meredith publishing family. Pick their favorites of all kinds of gourmet candies, from chocolate to gummies to caramels to fill this customized bento box. Abby is an editorial assistant at Seventeen, covering pop culture, beauty, life, and health. It wouldn't be the holidays without a steaming bowl of matzo ball soup – in ornament form.

And not only will kids enjoy making these pieces, they will love displaying them once they are completed. Today, a scooter is more than just a fun thing to ride on, it’s an eco-friendly mode of transportation. Tweens especially enjoy the freedom and fun a scooter can provide. If you are looking for a high-quality scooter for your tween girl, the Micro Kickboard Scooter is one to consider.

Your tween will love this if they enjoy cozy sleepovers. Do you remember the 80’s when just about everything had to have your name, or at least your initial on it in that curly script? Well, the 80’s are back, and this custom name necklace is the perfect thing to get your tween to make sure she’s up on the latest fashions. You can choose from a gold plated or sterling silver finish and pick the length that works for your tween.

The last one was the Nov 18th post, and Feedly hasn’t given me any of the gift guides or other posts. I think you recommended the glider set last year ; I got it for my then 8 year old, and he loves them! They are a little battered but still fly and have been played with a lot .

Playz Edible Candy! Food Science STEM Chemistry Kit

Definitely falling in the category of “fun big Christmas gifts for kids,” this is definitely a winner, and with a carrying case, you can take this anywhere. If you have kids who love to build and create, encourage their creative expression and budding engineer skills and treat them to this incredible Creative Toolbox from LEGO. If you want to gift your kid an electric car but this one isn’t their style, you can check out a large selection of other options for both boys and girls. Intuitively designed and beautifully made,the Apple iMac with Retina 5K Displayis one heck of a machine. If you’re on the hunt for big gifts for kids that have all kind of kinds of wow-power potential, check out the latest edition ofApple’s iPad.

Your tween will love the new “home field advantage” feature, which gives their home team some extra momentum. Of course, a video game obsession doesn’t magically stop when boys are no longer tweens, so this could be a great gift for your brother, too. The clever PowerA Moga XP5-i is a Bluetooth-enabled video game controller that works with Apple devices. It turns ordinary handheld video games into mind-blowing experiences he’ll brag to his friends about. While it’s one of the dreamiest gifts for tween boys, we think it also makes a great gift for men who love gaming. Whether your tween is obsessed with fashion and makeup, jewelry, sports or yummy snacks, we’ve got presents she’ll adore.

Equipped with all the tools and parts to build their own robot – yes, they really are taking over! And, with five different buildable models, kids will be able to build and then rebuild as much as they want. A toy that’s actually many toys, this is one of those gifts for kids that keeps on giving. It is definitely on our list of the best big gifts for kids for a reason, your kids will love this and so will you. And, if you’re looking for a more robust kit, check this one.

Yes, my son, now 13, loved all the Benedict books, and so did I! The author has another book, The Secret Keepers, which is also wonderful and is not part of the Benedict series. The books have been translated into French as well, which is fun for reading practice. We love putting together a big puzzle on Christmas afternoon as the day gets quiet.

Does it seem like your tween bookworm has already burned through everything their local bookshop has to offer? Consider this monthly subscription box, which will send them a specially curated book every month. It comes complete with an accompanying playlist and book club guide that gives recipes, TV and movie recommendations, and thought-provoking questions to enhance the reading experience. Give the teen or tween in your life the chance to present their favorite photos, prints, postcards, and more with this hanging display. Clothespin clips will let them swap out photos at will, and the simple cord and wood hanger melds into any style room.

Kids will love riding it around indoors or outdoors depending on the season. It’s easy to maneuver, even for beginners, and is sturdy and safe. This is a custom NERF Go Kart with placeholders for the NERF blasters, brackets, and darts, however, they are not included. The rest of the books are on the way, so be sure to purchase them all when they’re available. An iconic brand with incredible wagons, this 3-in-1 collapsible version comes equipped with a canopy for sunny days and folds down and out into bench-style seating. There are even cupholders and a rear storage compartment to house the canopy when not in use.