The United States faces a serious retirement challenge. Many of today's workers will lack the resources to retire at traditional ages and maintain their standard of living in retirement. Solving the problem is a major challenge in today's environment in which risk and responsibility have shifted from government and employers to individuals. For this reason, Charles D. Ellis, Alicia H. Munnell, and Andrew D. Eschtruth have written this concise guide for anyone concerned about their own - and the nation's - retirement security. Falling Short is grounded in sound research yet written in a highly accessible style. The authors provide a vivid picture of the retirement crisis in America. They offer the necessary context for understanding the nature and size of the retirement income shortfall, which is caused by both increasing income needs-due to longer lifespans and rising health costs-and decreasing support from Social Security and employer-sponsored pension plans. The solutions are to work longer and save more by building on the existing retirement system. To work longer, individuals should plan to stay in the labor force until age 70 if possible. To save more, policymakers should shore up Social Security's long-term finances; make all 401(k) plans fully automatic, with workers allowed to opt out; and ensure that everyone has access to a retirement savings plan. Individuals should also recognize that their house is a source of saving, which they can tap in retirement through downsizing or a reverse mortgage.
Erscheinungsdatum: 15.02.2005, Medium: Taschenbuch, Einband: Kartoniert / Broschiert, Titel: Reverse Mortgage, Autor: Kelly, Verlag: John Wiley & Sons, Sprache: Englisch, Schlagworte: BUSINESS & ECONOMICS // Real Estate // Mortgages, Rubrik: Wirtschaft // Einzelne Wirtschaftszweige, Seiten: 290, Informationen: Paperback, Gewicht: 546 gr, Verkäufer: averdo
Il reverse mortgage può davvero ridurre la povertà tra gli anziani? ab 49.9 EURO Un'analisi empirica sulle condizioni economiche degli house rich-cash poor
What retirement income experts can teach you about your largest asset. Longevity potentiates volatility or, in other words, the longer you live, the greater probability something bad will happen. Since we do not know how long we will live, we must be prepared for the long game. Deploying the home asset strategically and early in retirement converts an illiquid, indivisible asset into a shock absorber for the future. The fully updated and expanded second edition to What's The Deal With Reverse Mortgages? explains in simple language how to safely and effectively include the home in retirement planning. Shelley Giordano shares: A clear roadmap to use the HECM (Home Equity Conversion Mortgage) to solve financial challenges 4 vital pieces of information (the 4 Nevers ©) that demolish the negative lore that attends reverse mortgages How reverse mortgages have changed, and why retirement experts recommend a new approach to them A thorough review of evolving reverse mortgage safeguards over the years and how retirement income experts recommend them If you are a financial professional working with retirees, you will want to share this book with your clients. If you are a retiree overseeing your own retirement spending, you will want do the same with whomever it is giving you retirement advice.
Hugh Hefner was an American publisher. He was best known as the editor-in-chief of Playboy magazine, which he founded in 1953, and as chief creative officer of Playboy Enterprises, the publishing group that operates the magazine. An advocate of sexual liberation and freedom of expression, Hefner was a political activist and philanthropist in several other causes and public issues. In January 1952, Hefner left his job as a copywriter for Esquire after he was denied a five dollar raise. In 1953, he took out a mortgage, generating a bank loan of $600, and raised $8,000 from 45 investors, including $1,000 from his mother ("Not because she believed in the venture," he told E! in 2006, "but because she believed in her son."), to launch Playboy, which was initially going to be called Stag Party. The first issue, published in December 1953, featured Marilyn Monroe from her 1949 nude calendar shoot and sold over 50,000 copies. (Hefner, who never met Monroe, bought the crypt next to hers at the Westwood Village Memorial Park Cemetery in 1992 for $75,000.) After the Charles Beaumont science fiction short story "The Crooked Man" was rejected by Esquire magazine in 1955, Hefner agreed to publish the story in Playboy. The story highlighted straight men being persecuted in a world where homosexuality was the norm. After the magazine received angry letters, Hefner wrote a response to criticism where he said, "If it was wrong to persecute heterosexuals in a homosexual society then the reverse was wrong, too." In 1961, Hefner watched Dick Gregory perform at the Herman Roberts Show Bar in Chicago. Based on that performance, Hefner hired Gregory to work at the Chicago Playboy Club; Gregory attributed the subsequent launch of his career to that night. In June 1963, Hefner was arrested for promoting obscene literature after an issue of Playboy that featured nude shots of Jayne Mansfield was published. The case wen 1. Language: English. Narrator: Ed Placencia. Audio sample: http://samples.audible.de/bk/acx0/101439/bk_acx0_101439_sample.mp3. Digital audiobook in aax.
Erscheinungsdatum: 07/2006, Medium: Taschenbuch, Einband: Kartoniert / Broschiert, Titel: The Reverse Mortgage Advantage: The Tax-Free, House Rich Way to Retire Wealthy!, Autor: Boroson, Warren, Verlag: MCGRAW HILL BOOK CO, Sprache: Englisch, Schlagworte: Consumer Finance // BUSINESS & ECONOMICS // Personal Finance // Retirement Planning // Real Estate // Mortgages // Persönliche Finanzen, Rubrik: Wirtschaft // Wirtschaftsratgeber, Seiten: 225, Gewicht: 336 gr, Verkäufer: averdo
Find The Home Mortgage That's Right For You Finding the right mortgage can be complex, confusing, andfrustrating. But that doesn't mean you have to settle for anythingother than the terms you want. This indispensable and newly updatedsecond edition of How to Save Thousands of Dollars on Your HomeMortgage spells out everything mortgage hunters need to know inclear and accessible terms. It covers more loan alternatives thanany other book and examines the importance of discount points. Itoffers complete details on virtually every mortgage optioncurrently available, what advantages each option offers, how tochoose the right one for your needs, and how to save money in theprocess. New information in this edition will help you use theInternet to find a home and get a mortgage, examine automatedunderwriting models and conforming loan limits, and weigh newshopping strategies. Easy-to-read charts and graphs, helpful sampleforms, and numerous examples will help you understand: * First-time buyers programs * APR, buy-downs, reverse mortgages, accelerated payoffs, and zeropoint loans * Refinancing strategies * Closing costs, lender fees, and other expenses * How to dispute credit report errors and fix credit problems * How to use the Internet for loan analysis
Featuring contributions from industry and academia, this volume includes chapters covering a diverse range of theoretical and empirical aspects of actuarial science and quantitative finance, including portfolio management, derivative valuation, risk theory and the economics of insurance. Developed from the First International Congress on Actuarial Science and Quantitative Finance, held at the Universidad Nacional de Colombia in Bogotá in June 2014, this volume highlights different approaches to issues arising from industries in the Andean and Carribean regions. Contributions address topics such as Reverse mortgage schemes and urban dynamics, modeling spot price dynamics in the electricity market, and optimizing calibration and pricing with SABR models.
For people over the age of sixty, New York City is a cluttered attic -- a mess of valuables that cannot be ignored, but that for the most part remains buried in jargon, agencies, regulations, and eligibility forms. New York City is, after all, a place that offers seniors everything from discount tickets for Broadway shows to social service agencies for those who speak foreign languages including Spanish, Cantonese or Tagalog. It is a place of endless benefits for those who can dig through the junk in the attic, organize what is there and still have the desire to leave the house. Take Charge! The Complete Guide to Senior Living in New York City is the first book to gather, in a single volume, information and advice for people over sixty who want to make the most of the city. Here at last is an all-inclusive guide that addresses every concern for senior New Yorkers, from entertainment and healthcare to housing and taxes. Take Charge! reaches beyond merely listing phone numbers and programs to giving advice on a number of areas, from choosing an HMO, a reverse mortgage, or an elder law attorney, to receiving travel discounts and negotiating home care. Containing everything a person over sixty needs to know to make the most of life in New York City, Take Charge! is the only comprehensive guide available for New York seniors and their families.
Möglichkeiten der finanziellen Altersvorsorge unter besonderer Berücksichtigung von Leibrente und reverse mortgage ab 42.99 € als Taschenbuch: Eine kritische Analyse. 3. Auflage. Aus dem Bereich: Bücher, Wissenschaft, Wirtschaftswissenschaft,
Find out essential mortgage terms you should know.One of the most important decisions that you can make is buying a home and taking out a mortgage to pay for the house. The decisions you make on your mortgage will have financial ramifications for years to come. If you find yourself overwhelmed and confused by all the mortgage terms out there, don’t worry because you’re not alone. Getting a mortgage can be a complicated process, made worse by all the unfamiliar terminology your mortgage lender might use. From lender to loan to closing your home...With the terminology used in discussing mortgages such as appraisals, equity, escrow, points, and settlement costs, most common people can become easily confused. Mortgage professionals can speak in a language all of their own and the lingo used is unique.This practical mortgage guide covers topics like:Mortgage lending and brokersSubprime, reverse, and FHA mortgageCommercial and residential mortgageEscrow, points, and settlement costsHome equity and loan modificationThis practical glossary in alphabetical order compiles a list of over 125 most important mortgage terms you’re likely to encounter. Every mortgage term is explained in detail, with clear and concise article-style description and practical examples.It will help you understand most common mortgage terms that you might encounter, and what role they play in the mortgage process. Use this glossary of mortgage terms to better understand the overall mortgage process as well as any specific mortgage terms that may be unfamiliar to you.PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio. 1. Language: English. Narrator: William Bahl. Audio sample: http://samples.audible.de/bk/acx0/171145/bk_acx0_171145_sample.mp3. Digital audiobook in aax.
Please note that the content of this book primarily consists of articles available from Wikipedia or other free sources online. The National Reverse Mortgage Lenders Association (NRMLA) is a U.S. trade organization for financial institutions involved in the origination and securitization of reverse mortgages. Founded in 1997 and headquartered in Washington, D.C., NRMLA hosts industry conferences, provides lobbying efforts on behalf of its member institutions, compiles and publishes data on reverse mortgage sales, and provides marketing outreach relating to reverse mortgage issues.