Personal Development Goals
Bedrooms Designed for Aging in Place
Furniture
Kitchens Designed for Aging in Place
Lighting and Light Switches
Assisting With Functional Mobility
Bath and Shower Mobility Aids
Bedroom Mobility Aids
Assisting with Personal Grooming and Hygiene
Caring for Someone With Incontinence
Helping People To Cope with Alzheimer’s and Dementia
Helping With Bill Paying
Home Cleaning Services
Offering Companionship
Providing Medication Reminders
Providing Transportation
Running Errands
Burn Care
Occupational Therapy
Mental Health Rehabilitaion
Canes
Chair Lifts / Stair Lifts
Grab Bars
Knee Scooters / Knee Walkers
Ramps
Scooters
Transfer belts / pads / equipment
Walkers and Rollaters
Wheelchairs and Mobile Chairs
Accounting and Tax
Books-Seminars-Courses
ASSISTED LIVING
Assisted Living Facilities
Cohousing Communities
Manufactured Housing Communities
Naturally Occurring Retirement Communities (NORCs)
Personal Residence LIving Independetly
Village Organizations
Accessory Dwelling Units
Continuing Care Retirement Communities
Multigenerational HouseholdsReverse Mortgages – A Primer
A so-called “reverse mortgage” is a special type of home loan that allows borrowers to convert a portion of the equity in their home into cash and then not have to make ongoing monthly payments on the loan. Reverse mortgages are generally available only to borrowers who are at least 62 years old. People use money borrowed under reverse mortgages to supplement retirement income, pay off an existing “forward” mortgage, meet medical expenses, make home improvements, and for a myriad of other purposes.
Reverse mortgages are widely misunderstood, but if you have cash needs, one might make sense for you. You should evaluate the suitability of a reverse mortgage for you based on a number of factors which are subjective and specific to your circumstances and needs.
- STRONGARM DIFFERENCE: The StrongArm Comfort Cane offers an innovative patented design that shifts the weight from your wrist to the forearm providing optimal stability, support and comfort as you walk. StrongArm supports the strength of your body to dramatically improve your posture, help you move easier, all without the stain & pain you feel from the average walking cane. The revolutionary handle encourages you to walk upright and change your line of sight so that you look forward instead of do
- STABILITY: StrongArm offers a cushioned, forearm-bracing "cradle" that stabilizes the wrist, making the cane feel like a solid extension of the arm. When standing from a seated position the cane helps provide added support so you can easily stand up on your own. The unique offset bend within the design centers the hand grip over floor tip for maximum stability. The cane tip has a hexagonal base to improve traction on all surfaces.
- SUPPORT: StrongArm Cane was designed to improve the lives of everyday cane users. StrongArm has a one-of-a-kind handle that provides a comfortable and supportive forearm brace. Making this cane safer, sturdier, and more supportive over the standard walking cane. This cane bridges the gap between canes and crutches, making it the perfect hybrid walking stick. While StrongArm provides the same support & stability of a crutch, you gain the mobility of a cane without the strain on your wrists.
- QUALITY: Made from high-quality light-weight aluminum tubing making it lightweight and portable. Equipped with a thick comfortable foam grip & cradle sleeve. StrongArm has 12 different height adjustments which is perfect for both men and women so you can customize the height to fit your comfort needs. The cane currently comes in 3 colors; Black, Bronze, and Titanium. The StrongArm Cane holds upto 500 lbs of pressure.
- MEDICAL GRADE: Medical professionals and everyday cane users agree that the StrongArm Comfort Cane offers vital improvements in stability over traditional canes and crutches. Giving you the freedom and support to do more throughout the day! This cane is universal so you can use it either on the left or right hand or even use two canes at the same time for extra support.
All Terrain KneeRover Steerable Knee Scooter Knee Walker Heavy Duty Crutches Alternative in Blue
- Padded Contoured Comfortable Knee Platform with Easy Folding Mechanism. The handlebars are made of comfort foam 7/8 inches steel
- 12″ x 8″ x 8.5″ Wire Basket is included for convenient storage and transport of your personal belongings
- Leg Compatibility: Left and Right. Knee Rest: 3″ Contoured Molded Foam
- Accommodates patient heights 5′6" – 6’6″
- 3″ Contoured Knee Support Adjusted Height Range: 18″ – 21.5″. Handlebar Adjusted Height Range: 34″ – 41″
Campbell Posture Cane Foldable Walking Cane for Men and Women – FSA/HSA Eligible – Editorial Recommended
- LIGHTWEIGHT AND STRONG: The Campbell Posture Cane is light weight and sturdy that makes it easy to carry with you. Made with high-quality material, this innovative mobility device is designed to serve you for years to come.
- 10 DIFFERENT HEIGHT ADJUSTMENTS: 10 different height adjustments to customize the fit. Stand-up Self standing for easy reach. stability tip with 360° traction rings.
- COMFORTABLE TO WALK: The revolutionary ergonomic grip handle design eliminates downward pressure, making it more comfortable for the shoulder and wrist so when you walk. Feel more independent as this cane also helps you easily get up and out of chairs.
- REVOLUTIONARY CAMPBELL HANDLE: Revolutionary handle helps you to walk upright and changes your line of sight, so you look forward instead of down. Revolutionary handle takes the pressure off your shoulder and wrist.
- WALK UPRIGHT AND CHANGE YOUR LINE OF SIGHT: It helps look forward instead of down changing your line of sight, which helps balance and mobility. It supports the strength of your body to help you move easier and feel more confident when walking.
Carex Folding Walker for Seniors – Adult Walker – Portable Medical Walker with Adjustable Height, 30-37 Inches
- FOLDING WALKER. An adult walker that easily folds for transportation. Simply press on the two buttons and the walker folds up nicely. Walker is very sturdy, stable, and safe, made of 1 inch round aluminum construction. Supports a 300lb person.
- HEIGHT ADJUSTABLE WALKER. A walker for seniors that is height adjustable. Marked peg holes allow the walker to be adjusted from 30-37 inches in height. Simply push the adjustment buttons in and slide the aluminum walker tubes up or down.
- LIGHTWEIGHT WALKER. The mobility walker is very light and maneuverable and has sides that detach for storing in tight spaces. Walker only weighs 6 pounds.
- ADD WHEELS and make this walker a rolling walker with wheels. Wheel attachment sold separately. Wheels are perfect for the elderly, seniors, or handicap with problems lifting the weight of the walker. Walker glides can also be added to the bottom of this walker.
- TRUST CAREX, a leader in walkers for seniors and walkers for elderly. Carex Health Brands has been the branded leader in rollators, walkers, and adult mobility walkers for over 35 years.
Drive Medical Nitro DLX Euro Style Walker Rollator, Champagne
- Attractive, euro-style design; 10 inch front casters allow excellent steering and rolling comfort
- Easily folds with one hand to ultra-compact size for storage; cross-brace design allows for side-to-side folding and added stability
- Durable and comfortable firm seat separates allowing unit to fold
- Handsome and removable deluxe zippered storage bag with unique attachment to keep bag securely in place when nitro is open or folded
- Overall dimensions: 28 inch(l) x 24 inch(w) x 33.5 inch(h); seat dimensions: 10.75 inch(d) x 18 inch(w) x 20 inch(h); handle height: 33.5 inch-38.5 inch; weight capacity: 300 lbs
- Back support height easily adjusts with tool-free thumb screw
- Caster fork design enhances turning radius
- Attractive, euro-style design; 10 inch front casters allow excellent steering and rolling comfort^Easily folds with one hand to ultra-compact size for storage; cross-brace design allows for side-to-side folding and added stability^Durable and comfortable firm seat separates allowing unit to fold^Handsome and removable deluxe zippered storage bag with unique attachment to keep bag securely in place when nitro is open or folded^Overall dimensions: 28 inch(l) x 24 inch(w) x 33.5 inch(h); seat dimensions: 10.75 inch(d) x 18 inch(w) x 20 inch(h); handle height: 33.5 inch-38.5 inch; weight capacity: 300 lbs
Drive Medical Scout Spitfire 4 Wheel Travel Power Scooter
- Quick and easy disassembly; Interchangeable color panels hide scuffs and scratches
- Height-adjustable swivel seat with fold-down backrest; Armrests are padded and adjustable; Comes with large plastic carry basket
- Delta tiller is easy to adjust; Ergonomic throttle control with easy freewheel operation. Comes with easy to remove, quick connect battery pack that can be charged separately from the scooter
- Includes battery and charger, flat-free, non-marking tires with anti-tip wheels
- Seat Width: 16.5"; Max Speed: 4.25 mph; Climbing Angle: 6 degrees; Maximum Range: 9 miles; Motor: 24V x 270W x 4700rpm; Turning Radius: 53.75"; Ground Clearance: 2.5"; Weight Capacity: 300 lbs
EagleHealth Toilet-to-Tub Sliding Bench 77993 XXL
- Toilet-to-Tub Sliding Transfer Bench (77993) makes transferring from toilet to tub easier, safer
- CutOut for personal cleaning. Seat slides, locks at each end. Tool-free assembly. Height adjustable
- Base Length: 64.5"-65.5" (XXL). Specs below. Assemble to face either right or left. Armrests #71002
- Middle legs installed anywhere along rails. Other lengths: EagleHealth #77963 (Long) & #77983 (XL)
- This Hygiene Product is NON-RETURNABLE once opened. Please measure your tub and bathroom carefully.
Harmar Outdoor Stair lift 350-OD
- Header cover, internal chassis cover and a large weatherproof cover included
- Rocker controls with constant-pressure functionality stop the lift immediately if the control is released
- Mounts to the stairs (not the wall) on either side of staircase Operates on standard 115 VAC household current
- Extruded aluminum track is available in custom lengths. Seat and footrest fold to save space
- Upholstery Colors: Light Almond, Evergreen, Mocha - **This product will be custom cut to fit your staircase. Because this is a "Custom Made" product - it is NOT returnable. **Please provide the following Information - length of staircase (see images), mounted on the left or right as you look UP the steps, any obstructions at top or bottom, landing, hallway or door at the top of the steps?
Healthline Compact Trigger Release 350 lbs Folding Walker with 5″ Wheels and Fold-up Legs, Lightweight & Portable – w/Bonus 2 Pairs of Glides
- [ANTI-CRACK & EASY TRIGGER RELEASE] can be reached with hands of all sizes, allows users to close the walker without removing hands from the handle, ideal for individuals with limited finger dexterity, ensures convenience, safety and durability.
- [1/2 THE SIZE OF TRADITIONAL WALKER WHEN FOLDED] tool-free assembly walker with strong elastic cords in back two legs, so legs can be folded, compact for transport and storage, can be easily put into medium/large suitcases, trunk, cabinet... ideal for travelling.
- [STURDY CONSTRUCTION & COMFORT HAND GRIPS] 1.13" diameter anodized, extruded aluminum construction ensures maximum strength and safety, supports up to 350lbs. And the textured rubber hand grips provides for a secure, nonslip grip while reducing hand pressure.
- [GET 2 MORE PAIRS BONUS GLIDES, WORKS ON MOST TERRAINS] comes with 5 inch front wheels and 3 pairs of back glider caps (1 ski gliders included) to allow user to move and slide walker easily and smoothly over most surfaces.
- [FDA CE APPROVED WALKER, 100% AUTHENTICITY GUARANTEE] 30 days free money back guarantee, 60-day unconditional return policy and 5-year limited warranty. Great gift for Thanks Giving Day, Christmas Day, please rest assured to buy!
HEALTHLINE Junior Folding Walker with Wheels, Lightweight Deluxe 2 Button Folding Walker with 5-inch Wheels, Adjustable Medical Pediatric Small Aluminum Front Wheeled Walker for Seniors & Children
- COMPACT 2 WHEELED WALKER. This "junior" sized front wheel walker comes with specially designed hand grips for user comfort and safety. The lightweight folding walker with wheels is designed with a comfy two button folding walker mechanism and is easy to operate.
- TALL AND SHORT PEOPLE COMPATIBLE Front wheel walker for seniors can be used by both short and tall people, as it is a height adjustable walker. Great rolling walkers for seniors, lightweight walker for adults, elderly, and medical walker for disabled.
- DELUXE WALKER WITH 5 INCH WHEELS. The front wheeled walker for Juniors and Seniors comes with 5-inch wheels in front and back glider caps for ease and comfort of movement. The U-shaped frame gives extra clearance, enabling the patient to bring the wheeled walker closer to assist in standing.
- STURDY AND LIGHTWEIGHT FOLDING WALKER WITH WHEELS. This walker is made of sturdy anodized, extruded aluminum. It is a lightweight walker and quickly folds into a sleek shape. This aluminum walker very easily folds for storage or travel.
- SLIP-FREE GRIPS This front wheeled walker has rubberized, ribbed grips on both sides to keep you safe and keep your hands from slipping. Specifications: Overall bottom outside front width including wheels 22’’ Highest height (floor to handles) 32.5’’ Shortest height setting (from floor to handles) 25.5” Width between handles 17” Front width from inside wheel to wheel 18” Outside bottom back width 22.5” Inside bottom back width 19.5” 250 lbs weight capacity "Junior" Size
HOMCOM Rolling Shower Wheelchair Bath Toilet Commode Bariatric with 24″ Wheels
- MULTI-USE MOBILITY: Ideal for the elderly or disabled to assist in mobility and transportation throughout a house or hospital. Focusing on comfort, this chair makes showering and self-care more accessible.
- SHOWER ACCESSIBLE: This FDA certified commode chair features a PU covered surface and aluminum alloy construction making it easy to wheel under a shower. With four waterproof castors and brakes, showering can be safe and hassle-free for anyone.
- LARGE DETACHABLE BUCKET: Unlike others with a rounded bucket, our upgraded version is equipped with a large rectangle bucket with lid under the seat which can be easily removed for cleaning.
- EXTRA COMFORT: This medical shower chair with arms comes with a convenient flip away footrest for added comfort. The armrests and seat are padded for added comfort
- LARGE REAR WHEELS: 2 14" large rear wheels allow the user to move themselves around easily with a hand-brake to control the speed and stop as they may like.
How Reverse Mortgages Work
In a traditional mortgage loan, the lender advances a large sum of money upfront that the borrower uses to buy a home or refinance an existing home loan. The borrower then pays the mortgage loan down over time with monthly payments. The traditional (“forward”) mortgage loan balance starts out large and is paid down over time.
In a reverse mortgage, the borrower already owns the home, and owes very little or nothing on it. Under the terms of the reverse mortgage, the borrower will receive some combination of upfront and/or ongoing monthly (or periodic) payments from the lender. The reverse mortgage loan balance starts low and grows larger over time.
Depending on the design of the reverse mortgage, the lender may pay you a (smaller) lump sum amount upfront, and then continue to pay you monthly amounts thereafter. The size of your upfront and monthly payments will depend on the value of your home, the age of the youngest co-borrower, the rate at which interest accrues on the loan, any mortgage insurance premiums that accrue[1], an assessment of your ability to pay ongoing taxes and insurance, and other features of the reverse mortgage product you choose.
The money you get upfront and/or monthly is usually tax-free and generally will not affect your Social Security or Medicare benefits. When the last surviving borrower (or non-borrower spouse) dies, sells the home, or has no longer lived in the home as a principal residence for more than 12 months, the reverse mortgage loan has to be repaid. Sometimes that means selling the home to get money to repay the loan. In certain loan programs, a non-borrowing spouse may be able to remain in the home, as long as they went to counseling and have agreed to the loan terms.
Reverse mortgage lenders generally charge an upfront origination fee and other closing costs, and some charge servicing fees over the life of the mortgage. For FHA insured reverse mortgage loans, they also collect both upfront and ongoing mortgage insurance premiums.
The rate used to accrue interest on reverse mortgages generally can be fixed or variable, but is usually variable.[2] This means the rate is tied to a designated financial index and will change as the market level of that financial index goes up and down. Interest and MIP on your reverse mortgage is not deductible on your income tax returns until the year it is paid – usually when you pay off all or a portion of the loan.
[1] Jumbo reverses mortgages (those with balance limits in excess of the FHA lending limit of $636,150) do not have mortgage insurance premiums.
[2]Jumbo reverse mortgages are fixed rate.
Variable Rate Loans
Variable rate loans generally provide more options on the timing and magnitude of amounts paid to you through the reverse mortgage. Fixed rate reverse mortgages are less flexible, tending to require you to take your loan as a lump sum at closing. The total amount you can borrow with a fixed rate loan is generally less than the amount you could get with a variable rate reverse mortgage loan.
You Keep Your Title
As with other types of mortgage loans, you keep the title to your home. You are still responsible for paying property taxes, insurance, utilities, fuel, maintenance, homeowner’s association (HOA) fees, and other expenses. If you fail to pay your property taxes or homeowner’s insurance premium in a timely manner, or fail to maintain your home, the lender may declare you in default on your loan and require you to repay it in full or they will foreclose.
Life Expectancy Set Aside Amount
Your lender will assess your financial condition when you apply for the mortgage. Based on this assessment, the lender may require a “Life Expectancy Set-Aside” amount to pay your property taxes, homeowner’s insurance premiums, HOA fees, and flood insurance premiums (if any) during the term of the loan. The lender will hold the set-aside amounts in escrow and use them to pay your taxes and insurance as they come due. The set-aside amount reduces the funds you receive upfront and/or in your monthly payments. You are still responsible for maintaining your home.
Carex Folding Walker for Seniors – Adult Walker – Portable Medical Walker with Adjustable Height, 30-37 Inches
- FOLDING WALKER. An adult walker that easily folds for transportation. Simply press on the two buttons and the walker folds up nicely. Walker is very sturdy, stable, and safe, made of 1 inch round aluminum construction. Supports a 300lb person.
- HEIGHT ADJUSTABLE WALKER. A walker for seniors that is height adjustable. Marked peg holes allow the walker to be adjusted from 30-37 inches in height. Simply push the adjustment buttons in and slide the aluminum walker tubes up or down.
- LIGHTWEIGHT WALKER. The mobility walker is very light and maneuverable and has sides that detach for storing in tight spaces. Walker only weighs 6 pounds.
- ADD WHEELS and make this walker a rolling walker with wheels. Wheel attachment sold separately. Wheels are perfect for the elderly, seniors, or handicap with problems lifting the weight of the walker. Walker glides can also be added to the bottom of this walker.
- TRUST CAREX, a leader in walkers for seniors and walkers for elderly. Carex Health Brands has been the branded leader in rollators, walkers, and adult mobility walkers for over 35 years.
Vive Shoulder Pulley – Over Door Rehab Exerciser for Rotator Cuff Rehab – Arm Rehabilitation Exercise System for Frozen Shoulder Physical Therapy, Flexibility Stretching Strengthener, Range of Motion
- RESTORE SHOULDER HEALTH: Perfect for physical and occupational therapy, the over-the-door shoulder pulley provides controlled movement for rehabilitation from shoulder surgery or injury. Effective exercise method for speeding recovery time and complete shoulder health restoration.
- IMPROVES RANGE OF MOTION: Improves the range of motion of the affected shoulder for arthritis sufferers and those suffering from tendonitis, frozen shoulder syndrome, rotator cuff injury or bursitis. Slowly increase or limit the range of motion using the included button stoppers for safe effective shoulder exercise.
- EASY TO INSTALL: Non-slip door strap easily fits over most doors for a secure fit. The pulley has a foam exterior layer to prevent scratches and other damage to the door surface. Handles are also padded with a soft foam for a comfortable and secure grip.
- DURABLE METAL PULLEY: Made with a durable metal casing, the nylon pulley wheel allows the rope to move freely and smoothly throughout the workout. The nylon rope is marked every 6" for consistent use with the button stoppers, allowing progress to be obvious and clear.
- VIVE GUARANTEE: 60 day unconditional guarantee so you can purchase now with confidence.
Prevail Extra Absorbency Incontinence Belted Shields 120 Total Count Breathable Rapid Absorption Discreet Comfort Fit Adult Shield with Reusable Strap
- SNUG & SECURE FIT: Ideal for light to moderate bladder leakage, Prevail Belted Shields stay securely in place with reinforced buttonholes & reusable straps. The button & strap system provides a snug & secure fit for confident wear with reduced irritation
- ABSORBENT COMFORT: Wetness is absorbed quickly for comfort and reduced skin irritation, and a cloth-like stay-dry outer fabric is soft against the skin & helps reduce the risk of irritation. An absorbent moisture barrier prevents leaks and reduces noise
- Bladder leakage & incontinence can affect anyone at different stages in life for a number of reasons. From underwear to pads to briefs to underpads & bed pads to belted shields, Prevail offers reliable, discreet, and comfortable bladder leakage products
- COMFORT & INNOVATION: You can't provide the best care without using the best technology. That's why we spent decades working with healthcare professionals & users to develop innovations that offer exceptional comfort, absorbency, skin health & discretion
- Prevail is a leader in advancing new technologies for greater protection, comfort, and skin health and wellness. Our commitment to quality & innovation is evident in every product we make. Compare our superior comfort to similar products by Poise Pads, Always Discreet, Depends, Tena, Chux or Medline.
Medline ReadyBath LUXE Antibacterial Body Cleansing Cloth Wipes, Scented, Extra Thick Wipes (8 Count Pack, 24 Packs)
- Extra thick, soft 8 x 8 inch wipes for fast, easy total body cleansing are great for the mobility impaired, after surgery, or any time a shower is not possible
- ReadyBath Luxe wipes are pre-moistened with gentle, rinse-free cleansers plus soothing, moisturizing skin conditioners
- Antibacterial Benzalkonium Chloride helps kill germs
- Scented, pH balanced, hypoallergenic and alcohol-free | Cloths can be used at room temperature or warmed for added comfort
- 8 count packs, 24 packs per Case for a total of 192 Wipes
dbest products Stair Climber Bigger Trolley Dolly, Blue Shopping Grocery Foldable Cart Condo Apartment
- Polyester Denier
- Imported
- Our folding Stair Climber Bigger Trolley dolly cart perfectly balances lightweight capability with durability and features 6-wheel design that glides up and down stairs with ease. Take it to the supermarket, flea market or the beach.
- Collapsible and Portable; Easily folds down in half for compact storage when not in use; Store in the trunk of your car, under the bed, in the closet or garage.
- Multi-functional Uses; Use it as a shopping cart, grocery cart, utility cart, foldable cart, and overall exceptional cart on wheels with little to no assembly required; Remove the bag and it becomes a lightweight dolly capable of carrying up to 150 lbs.
- Live in a Apartment or Condo,no problem The Stair Climber Bigger Trolley Dolly climbs stairs more smoothly than any other stair climber cart or trolley on the market. Wheels are placed under the base to prevent the wheels of getting in the way of boxes.
- Contains 8 compartments for storage, which include a beverage holder, front flap pocket, inner pouch, rear pocket, umbrella holder and more; Your stuff goes where you go.
Prairie View Industries SFW330 Portable Singlefold Ramp, 3 Feet x 30 Inch
Harmar Outdoor Stair lift 350-OD
- Header cover, internal chassis cover and a large weatherproof cover included
- Rocker controls with constant-pressure functionality stop the lift immediately if the control is released
- Mounts to the stairs (not the wall) on either side of staircase Operates on standard 115 VAC household current
- Extruded aluminum track is available in custom lengths. Seat and footrest fold to save space
- Upholstery Colors: Light Almond, Evergreen, Mocha - **This product will be custom cut to fit your staircase. Because this is a "Custom Made" product - it is NOT returnable. **Please provide the following Information - length of staircase (see images), mounted on the left or right as you look UP the steps, any obstructions at top or bottom, landing, hallway or door at the top of the steps?
Vive Foam Tubing (9 Pack) – Utensil Padding Grips – Spoon, Fork Round Hollow Medical Closed Cell Tube – Cut to Length – Provides Wider, Larger Grip Pipe Tool for Dexterity, Disabled, Elderly
- WIDE GRIP FOR GREATER CONTROL: Foam tubing provides a wider grip for greater control and more secure grip on everyday objects. Perfect for pens, silverware, toothbrushes and more, the tubing builds up the utensil handles to create a soft, comfortable grip for those needing assistance such as individuals with ALS, Parkinson's Disease, Ehler-Danlos Syndrome, Rheumatoid Arthritis, neuropathy, and multiple sclerosis.
- SOFT NON-SLIP GRIP: High-density foam tubing is comfortably soft. The non-slip foam stays securely in place on the tool or utensil and does not easily slide from the hand. Foam will not absorb odors from hands or food and is easily washed by hand or in the dishwasher.
- CUT TO CUSTOM LENGTH: Foam tubing grips come in 12” lengths allowing each tube to conveniently cover multiple objects. Easily cut with scissors, simply mark tubing at the desired length for each object.
- 9 PIECE ASSORTMENT OF DIAMETERS AND COLORS: Package contains 9 pieces of tubing. Three blue foam tubes have a diameter of 1.9cm and are perfect for knives and thicker utensils. The red foam tubes are .95cm and are most useful for spoons and forks. The smallest tubing is .6cm in diameter and is best used for pens, pencils and toothbrushes
- VIVE GUARANTEE: 60 day unconditional guarantee so you can purchase now with confidence.
Vive Shower Stool – Bariatric Bath Tub Bench – Bathroom Safety and Shaving Seat Benches – Adjustable, Heavy Duty and Lightweight for Elderly, Senior, Handicap and Disabled
- TOOL-FREE ASSEMBLY: No expert assembly required. Easily adjust the height of the shower stool to create a secure, customized experience. With a range of 13.5”-19.5”, the seat adjusts to fit any individual without the use of tools.
- SIT AND SHOWER SAFELY IN ANY TUB OR SHOWER: Feel comfortable and secure when bathing and showering. The comfortably wide seat supports up to 250 pounds. Textured to provide a nonslip surface, even when wet, the stool has a round composite seat that easily fits in the smallest tubs and showers. Durably constructed, the shower stool is lightweight and corrosion-resistant. Great support for those with chronic fatigue or balance issues, the stool is also useful following injury or surgery.
- NON-SLIP, ANTI-SKID ANGLED LEGS: Angled legs provide exceptional stability for the Vive shower stool. Each leg is also capped with anti-skid, non-slip rubber tips for added safety and security.
- LIGHTWEIGHT AND PORTABLE: Constructed with a corrosion-resistant aluminum frame, the lightweight shower stool frame supports up to 250 pounds. The lightweight frame is easily portable for added convenience.
- VIVE LIFETIME GUARANTEE: Lifetime guarantee so you can purchase now with confidence.
What Happens If You Die?
If you signed as a borrower on the loan and your spouse did not[3], the rights of your spouse to stay in the home are dependent on the category of the loans and the lender’s terms. With FHA insured reverse mortgages (called HECM[4] loans), your spouse may continue to live in the home even after you die if he or she pays the property taxes, insurance, and HOA fees, and continues to maintain the property. But your spouse will stop getting money from the undrawn portion of the HECM loan since he or she wasn’t part of the loan agreement. With loans not insured by the FHA (proprietary loans), when you die, your spouse or estate may be required to pay off the loan, which may require selling the property. You need to clearly understand the offered terms before you take out the loan
[3] Even though your spouse is not an obligor on the loan, he or she will still have paperwork to sign in order for you to be able to get the loan.
[4] HECM is an acronym for Home Equity Conversion Mortgage . . . HECMs are federally-insured reverse mortgages that are backed by the U. S. Department of Housing and Urban Development (HUD).
You or your heirs do not have to be pay off the loan until the home is sold (unless a default occurs). The loan is repaid from the proceeds of the property sale. Any remaining equity in the home after the loan has been repaid belongs to you, your surviving spouse, or your heirs.
Depending on how long you live and the rates at which interest and mortgage insurance premiums accrue on your loan, the accumulating amount owed to the lender on a reverse mortgage loan can come close to, or even exceed, the value of your home. This means that little or no equity could be left for you, your surviving spouse, or your heirs. However, FHA insured reverse mortgages have in them what is known as a “non-recourse” clause. This means that you, or your estate, cannot owe more than the value of your home when the loan becomes due and the home is sold. FHA insurance is used to pay any difference.
Generally, with a HECM, if you or your heirs want to pay off the loan and keep the home rather than sell it, you or they would not have to pay more than the appraised value of the home, and in some cases no more than 95% of the appraised value
Reverse Mortgage Loan Options
Categories
When considering whether a reverse mortgage is right for you, be aware that there are three general categories with differing features, benefits and costs. Depending on your circumstances, one category may meet your needs better than the others.
Home Equity Conversion Mortgages (HECMs)
Most reverse mortgage loans are categorized as Home Equity Conversion Mortgages (HECMs). These loans are insured by the FHA, and borrowers are charged a mortgage insurance premium (MIP). They are limited in size to $636,150. Proceeds may be used for any purpose, except making certain investments. These loans have caps on origination fees, and borrowers are not charged monthly servicing fees. Borrowers and non-borrowing spouses must attend HECM counseling. Even though non-borrowing spouses are not obligated on the loan, they are required to sign documents indicating that they understand the terms of the loan. Non-borrowing spouses do retain rights of survivorship in the home after the borrowing spouse dies, meaning they can continue living in the home.
Proprietary Reverse Mortgages
Reverse mortgages in excess of HECM lending limits are called jumbo loans and are categorized as proprietary reverse mortgages offered by private lenders. There is no mortgage insurance on these loans, and borrowers are thus not charged MIPs. Loan proceeds may be used for any purpose. These loans have no caps on origination fees, and the lender may charge borrowers monthly fees for loan servicing. Borrowers and non-borrowing spouses may or may not need to attend pre-loan counseling, depending upon the lender’s program. Non-borrowing spouses are not obligated on the loan, and they may not be required to sign documents indicating that they understand the terms of the loan. Non-borrowing spouses may or may not retain rights of survivorship in the home after the borrowing spouse dies. You should carefully study each lender’s program terms.
Single Purpose Reverse Mortgages
Single purpose reverse mortgages are the least expensive option, and programs vary. They are offered by some state and local government agencies, as well as non-profit organizations. You may use proceeds from these loans only for program-designated purposes, such as to pay for home repairs, improvements, or property taxes. Homeowners with low or moderate incomes may qualify for these loans. Terms and requirements vary by program, and you should study them carefully.
Disbursement Options
Reverse mortgage lenders generally offer a choice of several disbursement options. For fixed interest rate reverse mortgages, your choice will likely be limited to a single lump sum disbursement plan whereby you will receive the amount at the close of the loan. A single disbursement option typically offers less money than other reverse mortgage disbursement plan options because of first year principal limitations[5] and the fact that you do not benefit from increases in the value of your home.
[5] This amount is called your “initial principal limit.” Your lender will calculate how much you can borrow, based on your age, the interest rate, the value of your home, and your financial assessment.
- ZERO IMPACT EXERCISE: Ideal for all fitness levels, the comfortable and naturally-reclined seated position reduces body fatigue and eliminates the stress on the joints and back while still delivering a full fat-burning cardio workout.
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33″ Long Dressing Stick with Shoe Horn with Sock Removal Tool, Adjustable Extended Dressing Aids for Shoes, Socks, Shirts and Pants
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399 Games, Puzzles & Trivia Challenges Specially Designed to Keep Your Brain Young.
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For adjustable interest rate mortgages, you will likely be able to select one of the five disbursement plans. The five plans are referred to as 1) Tenure, 2) Term, 3) Line of Credit, 4) Modified Tenure, and 5) Modified Term. You may be able to change your payment option for a small fee, as long as you have not drawn all of your funds already.
HECMs generally give you larger loan advance rates against the value of your home than proprietary loans[6]. The interest rate on HECM loans is generally lower, but you have to pay MIP amounts that you will not have to pay on proprietary loans. In the HECM program, a borrower is generally allowed to live temporarily in another residence (such as a nursing home) for up to 12 consecutive months without triggering a requirement to pay off the loan. You must continue to pay property taxes, insurance, and HOA fees while you have the loan, and you must continue to maintain your home, even if you are temporarily residing elsewhere
[6] The higher HECM advance rate means that a HECM loan is likely a better choice for borrowers who are seeking maximum loan proceeds and whose homes are worth more than the FHA lending limit of $636,150 but less than about $1,000,000. After that, borrowers will likely qualify for a larger loan under a proprietary program than the HECM program. Note that HECM loan rates are lower than those of proprietary loans, but also require MIP payments. If you have a high value loan, you or your accountant will need to study the competing costs and terms; your HECM counselor can help as well.
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Amount You Can Borrow
The amount you can borrow with a reverse mortgage depends on several factors, including:
- The lesser of the appraised value, purchase price of your home, or the FHA mortgage limit of the HECM lending program
- The age of the youngest borrower or eligible non-borrowing spouse
- Expected interest rate at the time of origination
- An assessment of your willingness and ability to pay property taxes, homeowner’s insurance, and HOA fees as they come due
- The disbursement option and type of reverse mortgage you select.
In general, the older you are, the more equity you have in your home, and the lower the absolute amount you owe, the more money you can obtain. If there is a non-borrowing spouse, his or her age is taken into account due to rights of survivorship under the HECM program. If there is more than one borrower and no eligible non-borrowing spouse, the lender will use the age of the youngest borrower to determine the maximum loan amount.
Costs Involved
Like forward mortgages, reverse mortgages can have high levels of fees and charges. Upfront origination fees are capped by HUD for HECM loans; proprietary loans generally do not have such caps.
You can finance most of the upfront costs of your reverse mortgage, paying them from the proceeds of the loan. The benefit of this is that you do not have to pay for them out of your pocket. The drawbacks are:
- You are still incurring the costs and effectively reducing the net loan amount available to you
- You will accrue interest and MIP on the higher balance
If you pay the upfront MIP out of pocket, the amount paid may be tax deductible for you in the year paid.
The charges and fees for HECM loans are described in greater detail below. Other reverse mortgage programs may include other categories of charges and fees, and the fees may be higher or lower. You should carefully consider any charges and fees you will incur when deciding whether to obtain a reverse mortgage loan, as well as the category of loan and lender.
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