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Brought
to you by:
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| Hurlbut Insurance Services
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About Our Firm:
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Bringing you 39 years of experience to help meet your
needs in the areas of life insurance, health insurance, disability
insurance, long term care insurance, cancer insurance, fixed annuities,
group insurance and employee benefit plans.
You may also want to check out HEB Health Insurance for no obligation health insurance quotes.
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| QUOTES from
the
Masters... |
| On Belief |
On Challenges |
| "One
person with a belief is equal to a force of ninety-nine with only interests."
-- John Stuart Mill
"They
can conquer who believe they can." -- John
Dryden
"If
you believe you can, you probably can. If you believe you won't, you most
assuredly won't. Belief is the ignition switch that gets you off the launching
pad." -- Denis Waitley
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"Great
spirits have always encountered violent opposition from mediocre minds."
-- Albert Einstein
"The
most rewarding things you do in life are often the ones that look like
they cannot be done." -- Arnold Palmer
"Problems
are only opportunities in work clothes."--
Henry J. Kaiser
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An Overview of Reverse Mortgages |
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At one
time, there were only two ways to tap into the value of your home:
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Sell your home
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BUT…
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Borrow against the equity in your home
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BUT…
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then you would have to make
monthly loan repayments.
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Many
people have retired with what they assumed would be a comfortable retirement
income into the future, only to find that inflation, rising health care costs
and unexpected expenses have worked to make their retirement less secure. These people may have substantial equity in
their homes…equity they would like to convert to cash without having to move or
assume debt that has to be repaid.
A
reverse mortgage, which converts a portion of a home's equity into cash without
requiring that the home be sold or that the equity be repaid currently, may
provide the answer.
What Is a Reverse Mortgage?
A
reverse mortgage is a loan against the value of your home that does not have to
be paid back for as long as you live in the home. Simply put, a reverse mortgage converts some of the equity in
your home into income.
The
proceeds from a reverse mortgage can be paid to you:
- In a single lump sum;
- As a regularly monthly income; or
- At times and in amounts of your choosing.
While
reverse mortgages typically require no repayment while you are living in your
home, they must be repaid in full, including interest and any other charges, at
the earliest of:
- The death of the last living
borrower (meaning that a surviving spouse may continue to live in the home
without repaying the reverse mortgage);
- The sale of the home; or
- The last living borrower moves
permanently away from the home, such as to an assisted living facility or
nursing home.
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| MESSAGES
from
the Masters... |
EXCERPT FROM 22 SUCCESS LESSONS FROM BASEBALL by Ron White
Robert Frost and Bobby Thigpen
Bobby Thigpen spent most of his career with the Chicago White Sox and
had a good baseball career. However, I am sure that it's a little known
fact that he also fancied himself as somewhat of a poet. That's
right...a poet. The man who the White Sox looked to in the ninth to mow
down batters could have been the next Robert Frost.
Actually, that may be an exaggeration. His poetry most likely would not
have received an 'A' in any Junior High English class. Thigpen, after
his first full year in the Major Leagues, posted a 7 and 5 record with
16 saves and an ERA of 2.70. But, he did sense that the possibility of
not being signed was real. He sent this short poem to White Sox
chairman Jerry Reinsdorf:
As I sit at home this off-season,
I wonder what the hell is the reason,
Why the club wants to be unfair,
Underpaying a player who can produce and care.
Reinsdorf could roll with the punches and promptly responded with some rhymes of his own.
I hope you are a really good pitcher,
Because as a poet you will never get richer;
If you are not pitching this year,
I will be sad but won't fear;
Though you may be one of the best,
There's always someone among the rest.
At this point it was getting fun. And Thigpen couldn't resist but to
respond with more poetry of his own. Thigpen sent this gem to his
fellow poet:
It is true that my potential as a poet is very small,
But, in the ninth who do you want to have the ball?
You say there will always be someone among the rest,
But, who do you want, them or the best?
Thigpen didn't get his salary doubled like he wanted. But, he did get
signed and had a nice career. Someone once said that, 'Life is too
serious to be taken seriously.' Thigpen is a man who had an
unconventional and fun approach to a very serious issue, such as his
salary. How often in business and life do you make a serious situation
only more serious by being unnecessarily stoic. If we can learn any
lesson from Thigpen, it would be to lighten up and have some fun.
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