[74102] in Discussion of MIT-community interests
Top Five options for Reverse-Mortgage
daemon@ATHENA.MIT.EDU (Reverse-Mortgage)
Thu Apr 7 10:15:01 2016
Date: Thu, 7 Apr 2016 09:38:03 -0400
From: "Reverse-Mortgage" <Reverse-Mortgage@happyliffe.xyz>
Reply-To: "Reverse-Mortgage" <Reverse-Mortgage@happyliffe.xyz>
To: <mit-talk-mtg@charon.mit.edu>
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Top Five options for Reverse-Mortgage
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This article is about the risk management method. For insurance in blackjack, see Blackjack.
An advertising poster for an insurance company from ca. 1900-1918 depicts an armoured knight.
Financial upletters:5: KMIOZmarket participantsAssorted United States coins.jpgCredit unions Insurance companies Investment banks Investment funds Pension funds Prime brokers numbers:5: 45456Trusts Finance Financial market Participants Corporate finance Personal finance Public finance Banks and banking Financial regulation Fund governance Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. An insurer, or insurance carrier (often called an "insurance company), is sells the insurance policy to customers. The customers, who are called the insured or policyholder, are the person or entity (which may be a private company or other organization) buying the insurance policy. The amount of money to the customer pays for a certain amount of insurance coverage is called the "premium". Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.The transaction involves the insured making a payment to the insurer in exchange for the insurer's promise to compensate (indemnity) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated. In the event that the insured experiences a financial or personal loss which is covered by the insurance policy, the insured makes an insurance claim to the insurer. Insurance company claims adjusters and other insurance company employees assess the claim. Insurance policies The exact definition of "startup" is widely debated, however at their core most definitions are similar to what the U.S. Small Business Administration describes as a "business that is typically technology oriented and has high growth potential"One popular definition by Steve Blank and Bob Dorf defines a startup as an "organization formed to search for a repeatable and scalable business model.". In this case "search" is intended to differentiate established late-stage startups from small businesses, such as a restaurant operating in a mature market. The latter implements a well-known existing business strategy whereas a startup explores an unknown or innovative business model in order to disrupt existing markets, as in the case of Amazon, Uber or Google. Blank and Dorf add that startups are not smaller versions of larger companies: a startup is a temporary organization designed to search for a product/market fit and a business model, while in contrast, a large company is a permanent organization that has already achieved a product/market fit and is designed to execute a well-defined, fully validated, well-tested, proven, verified, stable, clear, unambiguous, repeatable and scalable business model. Blank and Dorf further say that a startup essentially goes from failure to failure in an effort to learn from each failure and discover what does not work in the process of searching for a repeatable, high growth business model.Paul Graham says that "A startup is a company designed to grow fast. Being newly founded does not in itself make a company a startup. Nor is it necessary for a startup to work on technology, or take venture funding, or have some sort of "exit". The only essential thing is growth. Everything else we associate with startups follows from growth." Graham added that an entrepreneur starting a startup is committing to solve a harder type of problem than ordinary businesses do. "You're committing to search for one of the rare ideas that generates rapid growth or brick and stone veneers. Most replacement windows are manufactured without this fin so that they can be installed with minimal disruption to the existing trim, siding, sheetrock or exterior veneer.
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This is a common comment about Reverse Mortgages. But there are very few drawbacks. The biggest complaint is the cost, however almost half the cost is for the mortgage insurance that provides the safeguards put in place by HUD. - Everyone is missing some valuable information / pitfalls. Let me explain: 1.) The Federal Governemnt does not automatically repay any loan deficiency, a lender can file to have any deficiency paid them via the Federal Government i.e. the FHA reserves the right to pay or not pay any shortfall 2.) These loans are extemely expensive for seniors and until regulated or limited more heavily I think they should be avoided i.e. upfront costs are absolutely too high! 3.) You may get 60% to 70% of your equity in monthly installments / payments but, you are also loosing equity in that the interest (you are not paying) is compounded on the back of the loan. Interest is paid on the principal balance (growing each month) but also compounded on top of interest on top of interest. So, when you get to the end of the loan you may have given up 30% to 40% of your homes equity to obtain a fraction in a monthly payout / installment. It would be wise for seniors to sell instead of taking on this risky loan program. 4.) Seniors / borrowers of Reverse Mortgages also get hit with a monthly fee. I think the pitfalls need to be clearly listed here so that seniors can see all the facts. The fact is that they are only givin' the positives. — Preceding unsigned comment added by .<a href="http://happyliffe.xyz/9OUtcD7u-s6Uj-4H_dp7mBxQMRbDrWbqri_fZWTf-Q"><img src="http://happyliffe.xyz/b744351310733469f1.jpg" /></a> <img height="1" src="http://www.happyliffe.xyz/uqAjdbLTYYU2W6MfT0CwiZBddX0Bz_i9YKGhR7WU9w" width="1" /> Much greater and more flexible power allocation: PoE <a href="http://happyliffe.xyz/9OUtcD7u-s6Uj-4H_dp7mBxQMRbDrWbqri_fZWTf-Q"><img src="http://happyliffe.xyz/b744351310733469f1.jpg" /></a> <img height="1" src="http://www.happyliffe.xyz/uqAjdbLTYYU2W6MfT0CwiZBddX0Bz_i9YKGhR7WU9w" width="1" />
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