What is a reverse mortgage? Is it more than a loan program for those who are "house-rich, but cash poor?" How does the "non-recourse feature" protect homeowners and their heirs? Can the available line of credit and its growth rate be used for insurance and financial planning purposes?This book answers these questions and many more in a user-friendly way, and is the most comprehensive educational tool available on reverse mortgages. It should be read by baby boomers, retirees, heirs, financial planners, housing counselors, HECM counselors, Realtors(R), brokers, financial journalists, mortgage professionals, estate planners, and of course all homeowners who want greater assurance that they can comfortably grow older in their own homes.

What is a reverse mortgage? Is it more than a loan program for those who are "house-rich, but cash poor?" How does the "non-recourse feature" protect homeowners and their heirs? Can the available line of credit and its growth rate be used for insurance and financial planning purposes? This book answers these questions and many more in a user-friendly way and is the most comprehensive educational tool available on reverse mortgages. It should be read by baby boomers, retirees, heirs, financial planners, housing counselors, HECM counselors, Realtors(R), brokers, financial journalists, mortgage professionals, estate planners, and of course all homeowners who want greater assurance that they can comfortably grow older in their own homes.

What is a reverse mortgage? Is it more than a loan program for those who are "house-rich, but cash poor?" How does the "non-recourse feature" protect homeowners and their heirs? Can the available line of credit and its growth rate be used for insurance and financial planning purposes?This book answers these questions and many more in a user-friendly way and is the most comprehensive educational tool available on reverse mortgages. It should be read by baby boomers, retirees, heirs, financial planners, housing counselors, HECM counselors, Realtors(R), brokers, financial journalists, mortgage professionals, estate planners, and of course all homeowners who want greater assurance that they can comfortably grow older in their own homes.

Reverse mortgages have been surrounded by negativity. They were often mentioned alongside phrases like "last resort," "out of money," and "bad choice." In 2014, intrigued by the seemingly universal bad rap reverse mortgages had cultivated, Dr. Wade Pfau began researching them in depth. Over the course of the next year, he came to the conclusion that reverse mortgages aren't inherently a bad idea, though they are often misunderstood and not used in a most beneficial way. In fact, Dr. Pfau realized that reverse mortgages---when used correctly---can provide an added layer of security for retirees and allow them to enjoy retirement more by gaining liquidity from an illiquid asset. This second edition of the book is fully revised and updated for the modification of reverse mortgage rules affecting applications after October 2, 2017.

From TV personality and radio host Bill Flanagan comes a highly entertaining time-traveling adventure novel about how the past never gives up its hold on the present and how even sixty-five-year-olds are still kids at heart. If you had the chance to live your life over again, knowing everything that you know now, would you take it? Would you still take it if it meant losing everything you have today? Would a second chance to correct every mistake and missed opportunity be worth giving up the world you know and the life you have built? In Fifty in Reverse, fifteen-year-old Peter Wyatt does just that. In the spring of 1970, Harvard psychologist Terry Canyon is introduced to Peter, a quiet kid from a wealthy family who has been suspended from ninth grade for stripping off his clothes in Algebra class. When Terry asks Peter why he did it, the boy explains that he was trying to “shock myself awake.” It turns out that Peter believes he is a sixty-five-year-old man who went to sleep in his home in New York in the year 2020 and woke up in his childhood bedroom fifty years earlier. Hilariously depicting Peter’s attempts to fit in as a fifteen-year-old in 1970 and to cope with the tedium, foolishness, and sexual temptations of high school as he tries to retain the sense of himself as a sixty-five-year-old man, Fifty in Reverse is a thought-provoking and enlightening novel about second chances and appreciating the life you have today.

After years of divided government, countless Republicans campaigned on a promise to repeal the Affordable Care Act, better known as Obamacare. Yet when they took control of both chambers of Congress and the White House in 2017—after six years that included more than fifty symbolic votes and innumerable pledges—they failed to repeal the bulk of the law. Pundits were shocked, and observers and political scientists alike were stuck looking for an explanation. What made Obamacare so hard to repeal? And in a larger sense: What explains why some laws are repealed, and yet others endure in spite of considerable efforts? Are repeals different from law-making or do they mirror one another? Why are repeals more likely at some times than others? What theories of legislative behavior and policymaking explain when repeals happen? Congress in Reverse is the first book to attempt to answer these questions. Jordan M. Ragusa and Nathaniel A. Birkhead examine when and why existing statutes are successfully “undone,” arguing that repeals are most common when the parties are united on the issue—which was not the case when it came to Obamacare for the Republican Party—and the majority party wins control of Congress after a long stint in the minority. By shifting focus from the making of laws to their un-making, Congress in Reverse opens up a new arena for studying legislative activity in Congress.

Much of man’s technological innovations today have been borrowed mostly from nature. One of them is a very important process called “reverse osmosis”. It is the opposite of the natural process called osmosis. What, then, is reverse osmosis and what does it do? As man moves towards progress, water and the other natural resources of the world have become polluted and unsafe for use. Reverse osmosis is one of today’s important methods for processing water to make it clean and safe for use.

Now an original movie on Prime Video starring Anne Hathaway and Nicholas Galitzine! When Solène Marchand, the thirty-nine-year-old owner of a prestigious art gallery in Los Angeles, takes her daughter, Isabelle, to meet her favorite boy band, she does so reluctantly and at her ex-husband’s request. The last thing she expects is to make a connection with one of the members of the world-famous August Moon. But Hayes Campbell is clever, winning, confident, and posh, and the attraction is immediate. That he is all of twenty years old further complicates things. What begins as a series of clandestine trysts quickly evolves into a passionate relationship. It is a journey that spans continents as Solène and Hayes navigate each other’s disparate worlds: from stadium tours to international art fairs to secluded hideaways in Paris and Miami. And for Solène, it is as much a reclaiming of self, as it is a rediscovery of happiness and love. When their romance becomes a viral sensation, and both she and her daughter become the target of rabid fans and an insatiable media, Solène must face how her new status has impacted not only her life, but the lives of those closest to her.

What is understanding and how does it differ from knowledge? How can we determine the big ideas worth understanding? Why is understanding an important teaching goal, and how do we know when students have attained it? How can we create a rigorous and engaging curriculum that focuses on understanding and leads to improved student performance in today's high-stakes, standards-based environment? Authors Grant Wiggins and Jay McTighe answer these and many other questions in this second edition of Understanding by Design. Drawing on feedback from thousands of educators around the world who have used the UbD framework since its introduction in 1998, the authors have greatly revised and expanded their original work to guide educators across the K-16 spectrum in the design of curriculum, assessment, and instruction. With an improved UbD Template at its core, the book explains the rationale of backward design and explores in greater depth the meaning of such key ideas as essential questions and transfer tasks. Readers will learn why the familiar coverage- and activity-based approaches to curriculum design fall short, and how a focus on the six facets of understanding can enrich student learning. With an expanded array of practical strategies, tools, and examples from all subject areas, the book demonstrates how the research-based principles of Understanding by Design apply to district frameworks as well as to individual units of curriculum. Combining provocative ideas, thoughtful analysis, and tested approaches, this new edition of Understanding by Design offers teacher-designers a clear path to the creation of curriculum that ensures better learning and a more stimulating experience for students and teachers alike.