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White Paper on the Reverse Mortgage or Home Equity Conversion Mortgage (HECM)

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By Richard L. Harter CPM,CSM, CRES

Retirement and Financial Analyst

With 70,000 baby boomers per month entering their 60’s, the lenders for Reverse Mortgages (Home Equity Conversion Mortgage (HECM)) are cranking up their advertising.  The Reverse Mortgage and Bi-weekly Mortgages are advertised with certain benefits that sound very attractive.  The primary purpose of these two loan types is to generate unnecessary fees and commissions for the lender.  What they do not tell you is that you can accomplish the same thing using existing banking instruments without doing a refinance, at essentially zero cost and fees. 

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Financial Industry Regulator Issues Warning on Senior Designations

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Thousands of financial advisors market themselves as trained to provide investment advice to seniors, using authoritative-sounding titles like “certified senior advisor” or “certified retirement counselor.”  But often these designations are nothing more than what are called “weekend” designations, obtained by attending a hotel seminar, and some don’t even require a high school or college diploma. … Read more

Taking Good Care of Your Eyes

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You should see your eye doctor regularly to help avoid or minimize vision problems. Common eye problems include blurred vision, halos, blind spots and floaters. Blurred vision refers to the loss of sharpness of vision and the inability to see small details. Blind spots, called scotomas, are dark “holes” in the visual field in which … Read more

Claiming a Parent As a Dependent

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If you are caring for your mother or father, you may be able to claim your parent as a dependent on your income taxes. This would allow you to get an exemption ($3700 in 2011) for him or her. There are five tests to determine whether you can claim a parent as a dependent: The … Read more

Do's and Don't After Being Appointed as a Trustee

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Whether it’s an honor or a burden (or both), you have been appointed trustee of a trust. What responsibilities have been thrust upon you? How can you successfully carry them out? Here are nine do’s and one don’t to get you started: Do read the trust document. It sets out the rules under which you … Read more

Reasons to keep Fit as You Age

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How independent you are often depends on how well you can function physically. While this is one of the best reasons to stay physically active, it’s not the only one.  Here’s a list of eight reasons why you should make physical activity a priority in your daily life. 1.      Increases bone density and limits osteoporosis. … Read more

Multi-generational Housing is on the Rise

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 Think joint families only exist in the third world?  Well, with 51.4 million Americans of all ages – or about one in six – living in multigenerational living arrangement, we have our own version of joint families.  What motivates this lifestyle – read this PDF by Generations United…. Have you noticed a trend in multigenerational … Read more

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