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Does anybody really know or have any real experience? They seem to be ideal for people over 62 who own their own home. Often these people have hundreds of thousands of dollars in equity in their homes, but they are often cash poor and have trouble paying taxes and insurance. With a reverse mortgage, they can take out a to pay medical, living costs and other expenses, and not pay it back until death. The good parts of the reverse mortgage are: 1. The person can take a out against their home and get a monthly income or a big check. 2. There are no monthly payments to make 3. In fact, they do not have to pay it back until they die, move or sell the house. 4. The money is a and is not taxable. 5. They cannot lose their house even if they eventually draw more money than the house is worth. 6. They do not have to have any income to qualify for the But there are some drawbacks. I have heard the interest rate is higher and the fees be higher than conventional loans. If anybody has any real knowledge or experience with this, please reply. oral service for mature ladiesStill, I've seen other legislation docs that are completely, utterly incomprehensible. This is better than most. Meh. The poverty level changes based on existing economic factors, but it's already a number that exists. If memory serves, it's currently somewhere in the $12, range. I got the impression from the doc that the monthly rebate is something that people can choose to apply for each month if they need/want it it looks like it is the rate of tax (23%) multiplied by the poverty level. So if the poverty level is 12, , you get back 12, x or 2, over the course of the year (2, = a month). If you spent less than that in tax (because you are at or below the poverty level or really, really stingy), then woohoo! you get more than you spent. If you spent more, you get a bit of a break. This is Sec the "Family Consumption Allowance." I think business owners who sell things also get a rebate of the greater of $ or 1% of their total taxes paid each month. But, yeah, basiy it does away with almost all deductions. I'd be interested to someone with more economics knowledge do the math on that. I mean, if you consider that we often get taxed on stuff multiple times and this system purportedly tax us ONLY once on things, what does that mean? Does that fact offset the losses from not being able to take deductions, or is it worse for us? I don't think it's as clear cut as just saying "we don't get deductions anymore." We'll save in some ways but not others, so I can't tell how it balances out overall. free dating sites
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