What is a US Passport Card? Explained in Detail

what is passport card

US Passport Card is a identification document which is used to verify your identity while travelling to Mexico, Canada, Caribbean and the Bermuda it is usually in credit card size. It is applicable for travelling done through only land and sea. US Passport have your traditional photograph, personal informations and a radio frequency identification chip which links your passport with government database.

Can I able to Travel All Countries with US Passport Card?

Since US Passport card is only valid for sea, land travel to and from Mexico, Canada, Caribbean and the Bermuda. You cannot use it for International Air Travel. If you want to travel by Flight means you must have a US Passport book. To know more details about passport card and passport book refer here.

What is the Price for US Passport Card?

Passport card is cheap when compared to Passport book for adults it is around $65 for first 10 years then renewals cost is 30$ and for child price is $50 which is valid for 5 years. And Passport book charges are 145$ for registration and 110$ for renewal.

Can I carry both Passport Card and Book?

Yeah you can carry both type of passports with you there is no legal issue with that. But you need more careful with your passports because if you lost it you have to face many problems. So always double check your passport with you.

How To Apply for a Passport Card?

You need to go in person to Passport Application Facility center it may either be a courthouse or post office and submit the passport application form with citizenship document, passport size photo and fees amount.

Then you will be called to verify your documents and some legal questions will be asked by the passport officer. So you need to answer them very correctly with honest then they will get back to your through email after issuing the passport.

Passport photo that you submitting for passport card must be in proper size also you must not wear any glass or hat while taking the photograph. If you have any health issues means it is mandatory to submit proper document with the passport card application form. If you live outside the US and don’t have social security number means you have to pay the fine amount of $500.

How to Track my Passport Card application status?

There is a online application for tracking your passport card application status which is provided by our state government. You must enter your last name, last 4 digit of your ssn number and birthdate to track your application.

When I will get my Passport Card?

Usually it will take around seven to eight weeks for passport card to reach you through mail. So apply for the passport atleast 14 weeks before your travel date then you won’t face any problem during your vacation time.

If you need passport card very quick and don’t have long time means you can apply for expedited processing which cost you additional 60$. Expedited processing usually takes 2 to 3 weeks only and you will get your passport through first class mail.

What Is a Mortgage Loan? Explained in Detail

what is mortgage loan

A mortgage is a legal agreement you sign while buying or refinancing a house, which grants the creditor a power to take the property until you pay the loan back.

Mortgage is derived from the Latin word “mort,” which means death – as in “debt is yours before you die.” A mortgage is more versatile than its literal meaning implies, however, these rules are still a significant undertaking which underlies the obligations for reimbursing your home loan.

Seven features in a mortgage to look for,

  • The scale of the loan
  • The rate of interest and related points
  • The loan closing costs including the loan charges
  • The Annual Percentage Rate (APR)
  • Type of interest rate (fixed or adjustable) and whether it can differ
  • The duration of the loan, or how long you will repay the loan
  • If the credit has some other risky aspects, such as a pre-paid fee, a single interest option, a balloon clause, or a negative amortization

Who Uses a Mortgage?

Some people and companies use mortgages to purchase large immovable properties without debiting the total purchase price in advance. The creditor pays the debt over several years, plus interest before the property is free and clear. 

Mortgage is also referred to as “law against property” or “demands to property.” If the borrower avoids paying the mortgage, the creditor can foreclose it is a kind of intangible rights.

In the case of a residential mortgage, a homebuyer guarantees his house to bank or another form of lender who is entitled to a house if the homebuyer defaults on paying off the mortgage. 

The lender can evict the tenants of the house then sell the house in case of a foreclosure, with the revenue from the sale used for the debt clearance.

Demand for a mortgage: Steps Involved

It can be challenging to apply for mortgage credit. Before moving to their bank, the very first thing a borrower can do is obtain a copy of their credit history to search for mistakes. When inaccurate information is provided, it must be contested, given the fact that unresolved problems may lead to the denial of a mortgage application or a higher interest rate being paid.

The borrower needs to be aware of what type of property you want, how highly qualified, and how much of your budget covers. These limitations may determine the type and length of the mortgage.

The lender is assessed, and the value of the house, used to guarantee the loan, is determined through this calculation. The buyer should be charged a fee for all the validation service, which can usually be included in the closing costs.

The borrower will be required a large amount of data once the mortgage application is made. Here the documents that borrower must be prepared to give to the lender:

  • Bank details, including name, account number, address, and three months of declarations.
  • Investment reports for three months.
  • W-2s, Wages, proof of work, and profits over two years.
  • The self-employed will receive tax reports & balance sheets.
  • Debt owed at present, including due amounts & account numbers.
  • Divorce records, if necessary.

When the application has been completed, the lender must review the request and determine whether to reject or accept it. If accepted, meet with the documents that have been signed and the agreement closed. 

When declined, the potential borrower must contact the lender to prepare the borrower to figure out why the request was denied. By law, the potential borrower will receive a written declaration from the lender explaining why the application was rejected.

What does “NASA” Stands For? Explained in Detail

what does nasa means

NASA is the abbreviated form of – National Aeronautics and Space Administration. It is an individual agency which is in the United States of America responsible for civilian aviation and space research programs.

History of NASA:

  • National Aeronautics and Space Administration is the U.S. government agency responsible for the country’s civilian space program and Aerospace Research.
  • President Dwight D Eisenhower is the founder of the National Aeronautics and Space Administration and established in the year 1958 with a distinctly civilian orientation that promotes peaceful applications in space exploration.
  • On July 29,1958, The National Aeronautics Space act passed replacing its predecessor, the National Advisory Committee for Aeronautics.
  • On October 1, 1958, the committee started its operation. Since then, most of the U.S. space exploration efforts have been led by NASA, including the Apollo Lunar Earth Emissions, the Skylab Space Station.
  • For Now, NASA is supporting the International space station and monitors the development of Orion multipurpose crew vehicles and commercial crew vehicles.

NASA is also responsible for the launch operations and manages the countdown for NASA’s Unmanned space programs. Recently, NASA announced a new space launch program that would take the agency’s Astronauts further into space than ever before, laying the groundwork for future U.S. efforts to explore human space.

Important timelines of NASA:

  • 11 Oct 1958 – Pioneer I, NASA launched their first shuttle.
  • 6 Dec 1958 – Pioneer 3, was launched by NASA. It was the only satellite that reached an altitude of 63,580 miles, which is considered to be the highest-launched satellite of its day.
  • 3 Mar 1959 – Pioneer 4 was launched by NASA, which successfully completed the lunar flyby and landed on the moon.
  • 1 Apr 1959 – America has launched its first weather satellite that would observe the Earth’s weather. It named TIROS 1.
  • 5 May 1961 – Astronaut Alan B. Shepard Jr. was the first man in space to fly the Freedom 7 into orbit. His flight lasted almost 15 minutes, and he successfully landed in the Atlantic Ocean.
  • 10 Jul 1962 – Nasa launched the first privately funded satellite, Telstar l. This satellite was the first to transmit telephone and television signals, paving the way for the cable and mobile networks we have today.
  • 3 Jun 1965 – Gemini IV was launched and remained in space for four days for preparation for the upcoming Apollo mission. Astronaut Edward H. White II made his first spacewalk in the United States.
  • 16 Jul 1969 – Astronauts Neil Armstrong and Edwin Aldrin became the first humans to land on the lunar surface on Apollo 11. Armstrong made his famous statement, “A small step for a man a great leap for humanity.”
  • Jan 1998 – Major space organizations around the world have begun working together over the years, including America, Russia, and China. The International Space Station is a joint effort to explore and experiment in biology, physics, astronomy, meteorology, and more.

Besides launching Manned Satellites, NASA has launched more than 1000 of Unmanned Satellites to explore the Earth and the Solar System. Apart from this, many communication satellites have been launched, and these launches will be either from Earth or from the orbiting space shuttles, which could either deploy the satellite or launch a rocket stage to take it further into Space. Check here to know more about NASA’s launch vehicles

NASA’s strategic goals:

  • Extend and support human presence across the solar system.
  • Develop scientific understanding of the Earth and the universe.
  • Create innovative new space programs and technologies.
  • Advance aeronautics and aeronautical research.
  • Enable programs that can provide capabilities to conduct NASA’s aeronautics and space activities.
  • Share NASA project details with the public, educators, and students to provide opportunities to participate.