With rising inflation, many older people find that their savings are not sufficient to cover expenses and there are no opportunities to work and make some money. So if they own their house, they get some money for their daily expenses and financial emergencies, by getting a reverse mortgage on their house. The reverse mortgage is especially useful for those who do not have any children or close relatives who will help them financially or otherwise in their old age . Details of how reverse mortgage can benefit your family are discussed for the benefit of elderly individuals who are looking for additional funds.
The home owned by an individual or family is the most expensive asset and investment made by the family, and if there are no children, after the death of the family members, the home usually will be inherited by a distant relative, who did not have the time or inclination to care for the family members when they were alive.
A home is a valuable asset, and a reverse mortgage allows the home owner to financially benefit from the the home, as the reverse mortgage provider will get possession of the home, after the death of the family members if a reverse mortgage deal is finalized with the family members owning a home.
Lack of money can cause great financial hardship during old age, as there are many expenses, and limited sources of income, as there is very less work available for a older person. So getting a reverse mortgage can help the family access the funds they urgently require, to lead the lifestyle they are used to, and pay the daily expenses without any difficulty.
The family can choose to receive the reverse mortgage amount, either as a lumpsum or in monthly or regular instalments. However most home owners prefer to receive the reverse mortgage amount in monthly installments as many of the regular expenses like utility bills are periodic.
The lifespan of an individual depends to a very great extent on hereditary factors, and if family members have lived for a long period of time, a person is also likely to live for long. In these cases, it is highly recommended that the person opts for a reverse mortgage, to receive a regular income for the rest of his or her life, as the value of the home will also increase over a period of time. The money from the reverse mortgage will also help the family to pay for other expenses like medical expenses, repairs to the home, property taxes. So taking a reverse mortgage will ensure that the family is financially independent and does not have to depend on relatives, friends for their regular expenses.
Most of goa’s problems like the lack of investment and jobs is related to the fact that mediocre inexperienced lazy greedy frauds like the google, tata sponsored R&AW/CBI employee goan gsb fraud sex worker diploma holder siddhi mandrekar , goan obc bhandari sex worker sunaina chodan, 2013 bsc, goan gsb fraud housewife riddhi nayak, eighth standard pass gujju housewife naina and other frauds are given great powers and a monthly indian government salary for faking their resume, investment and online work.
Later these frauds like siddhi are complaining in social media about goa’s problems, how when she, her friends and relatives want to monopolize all positions of power, with a fake resume, fake investment and fake work, naturally their contribution will be less reflecting their real competence, experience, work ethic and exposure to different systems.
If the goan frauds like riddhi, siddhi, sunaina had wanted the best for goa, they should not have agreed to the google, tata masterminded resume theft fraud, and ensured that a person with real merit and experience, got the position they currently have. Just like a company with inexperienced lazy mediocre fraud employees is likely to collapse, goa is also facing problems due to reservation for inexperienced lazy frauds like sunaina, riddhi siddhi in top government jobs with fake resumes.
Most lenders are checking the credit score and credit record of the borrower before approving a loan, and a borrower with a low credit score is likely to find it difficult to get a loan as the possibility of a default will be higher. However there are some lenders who are offering bad credit loans to borrowers after taking a calculated risk. For example in some cases, a few borrowers may have a poor credit score due to factors beyond their control. If a person is travelling or is hospitalized he or she may not be able to pay the bills or loan installment in time, adversely affecting the credit score. So the lender may take a calculated risk in these cases and offer bad credit loans.
However in most cases, the interest rate charged for the bad credit loans will be higher compared to conventional loans offered by the same firm. The repayment terms and conditions for these loans are likely to be more stringent also.
In 2012, after being elected the goa government announced a large number of welfare schemes, hoping that it would win the elections more easily in 2017. However in 2017 elections, the BJP seats reduced to a great extent , allegedly due to corruption, land grabbing by some ministers especially in north goa. Realizing that the welfare schemes had not creating a loyal vote bank and was increasing the debt of the government, to the central government, many of the schemes have been curtailed or cancelled.
For example the government was paying Rs 1500 monthly to all housewives in Goa, however now it is not accepting new registrations as the scheme is under review. It appears that most indian states are not managing their finances well, and rely on loans from the centre. For example the central government decided to release the tax revenues to the states only once in 3 months, and some of the state governments protested, with West Bengal writing to centre according to media reports as they are facing a fund shortage.
On the other hand, indian citizens who manage their money well, are falsely labelled a security threat, to waste tax payer money to harass, defame, cheat, and exploit them, instead of using their money management skills.
It appears that the central government is reducing expenses and states like goa are finding it difficult to get more loans from the central government. After ending the free internet scheme, a local newspaper also reported that new applications for monthly help to housewives of Rs 1500 per month had been stopped as the scheme had already reached a limit of 1.52 lakh housewives . While the existing housewives will continue to get the money, no new housewives in goa will get any help. Elections are due only after 5 years in goa, so the government can afford to reduce freebies.
However R&AW/CBI/indian intelligence employees continue to waste a huge amount of indian tax payer money on well connected sex workers, cheater housewives and other frauds with fake resume, fake investment and fake work online.
Goa has one of the highest debt to gdp ratios in the country because of extremely high levels of corruption and nepotism as no one is questioning the officials while they are wasting tax payer money for promoting their relatives and defaming harmless private citizens to increase the profit of corporates like google, tata
The lazy greedy google, tata sponsored shameless greedy goan gsb fraud R&AW/CBI employees extortionists cheaters diploma holder sex worker siddhi mandrekar, housewife riddhi nayak who looks like actress kangana ranaut were too lazy and mediocre to answer JEE, get their own engineering degree or earn their own money, and get the jobs with their own resume, investment
instead these shameless greedy goan gsb frauds and the section 420 fraud goan gsb fraud mafia of caro, mandrekar, nayak are wasting a huge amount of indian tax payer money, resources to defame without proof anyone who comes to goa like google competitor having an impressive resume, and steal their impressive resume for their MEDIOCRE LAZY GREEDY CHEATER RELATIVES like the goan gsb fraud housewife riddhi nayak, sex worker diploma holder siddhi mandrekar and get these lazy shameless frauds lucrative R&AW/CBI jobs which these google, tata sponsored goan gsb frauds would never get with their own mediocre resume
The google competitor is a private citizen with no powers, yet the local intelligence and security agency employees are contacting almost everyone who she is interacting with, and telling them extremely defamatory stories about her, which are not required legally , at the library, airtel payment center, sbi branch. Normally the local government employees are least interested in a private citizen, in this case why are they are wasting their time and indian tax payer money to defame a private citizen, who has not broken any law
No wonder goa has a lot of debt, as senior intelligence and security agencies like the goan gsb fraud mafia of caro, mandrekar, nayak , are wasting a lot of tax payer money and resources to stalk and defame harmless indian citizens without a legally valid reason, to steal the resume of the citizen for their lazy greedy mediocre inexperienced relatives and friends
In the never ending frauds of the shameless top google, tata employees google, tata sponsored lazy greedy goan gsb fraud cbi employee EXTORTIONIST housewife riddhi nayak who likes the bollywood actress kangana ranaut , never answered JEE, never studied engineering, never worked as an engineer , never did any work online , yet in 2017, is getting a monthly CBI salary for faking a btech 1993 ee degree with the help of fraud ntro employees like vijay. These shameless fraud ntro employees have put their real btech 1993 classmate , a harmless single woman engineer under surveillance falsely claiming honesty and , who have stolen the impressive resume of their classmate for the lazy greedy goan gsb fraud extortionist housewife riddhi nayak
These fraud ntro employees who falsely claim to be very honest, will never be able to justify in an open debate on what basis they claimed that the greedy goan conwoman was their btech classmate, these ntro employees like vijay are not honest to admit the fact that riddhi nayak is only a shameless lazy greedy goan gsb fraud housewife, who along with her shameless greedy fraud relatives, friends are defaming their classmate.
The indian government is wasting money twice when they employ google, tata sponsored lazy greedy fraud housewives like riddhi nayak with fake resumes, money is wasted monthly on a mediocre greedy extortionist who cannot contribute in any way, as they are faking their experience and training . Also the real experienced and trained engineer whose resume the goan cheater R&AW/CBI employees gsb frauds riddhi siddhi, obc bhandari slut sunaina have stolen is not able to contribute in any way, and these google, tata sponsored frauds will often take incorrect decisions, as they lack experience, training and work ethic.
During the rains, google, tata have given goan frauds riddhi, siddhi, sunaina, great powers in goa for faking a btech 1993 ee degree, yet goa is in a mess, full of potholes, and waste thrown around, without footpaths in many places, waterlogging in the street , no drainage systems as the google, tata sponsored fraud R&AW/CBI employees are too busy extorting money, as encouraged by their sugar daddies in ntro, cbi, google, tata
In other states, the officials would have appreciated an experienced engineer, in goa all powers are given to sex workers, cheater housewives like riddhi nayak, resulting in a high debt of 6.38% one of the higest in India
While healthcare cover is available for some medical procedures, patients have to pay for their own medical expenses for many elective medical treatments including dental procedures. While some people may have enough savings or funds to pay for the medical expenses directly, many people, especially young people have to take a medical loan to pay off their medical bill. It is advisable to research the various Medical Loan Options in the US, the interest charged, terms and conditions, collateral required if any, repayment options, documents required and other terms and conditions, before selecting a particular medical loan for paying off medical expenses. For many of the elective procedures, the patient has planned the procedure in advance, and it is also advisable to finalize the medical loan before contacting the doctor
There are number of websites offering medical loans to patients and there are some aggregator websites which list the different medical loans available. Like other loans, the credit score, credit history, income of the patient will determine the terms and conditions for the medical loans.
One of the easiest way to rank well online, is to replicate the online marketing strategy of a competitor who is ranking well in search engines like google. The website owner(or their marketing agency), should prepare a comprehensive links list of the competitor’s website and then try to get the same links for their own website, to improve their search engine ranking and get more visitors to their website. It may take some time to compile a megalog of their competitors link strategy, however it will be useful in future.
Ezcardinfo.com is a real-time online website that provides a platform to pay the credit card bills online. Ezcardinfo In this era of net banking and more preference towards liquid money, there is one common website where we can pay the bills piling in our credits and take advantage of the numerous features the website provides.