Everyday I ask myself, “Are things going to get better?”  I know many of you are asking the same questions.  Quite frankly, there is no one answer, because we are all  different in some way or another.  Be it personality or how we manage our finances.

Having experience of  over 10 years doing reverse mortgages, I have come to understand that a reverse mortgage is not for everyone, yet, for many, a reverse mortgage can be the solution for making things better.  Making things better can merely be waking up knowing the credit card companies are not hounding you for money, or simply just going out to dinner every now and then. 

Here are some considerations I ask my clients for them to consider before  doing a reverse mortgage:
1.  Why is it you are considering a reverse mortgage?
2.  Will your life be different or better if you did a reverse mortgage?
3.  Are you overwhelmed worrying about each day? 
4.  If things don’t change financially, will your savings, stocks,  or other investments  be depleted?
5.  Do you have a family member who can help?
6.  Will things change if you do nothing?

For me I am beginning  to fully understand what it’s all about, as I am about to qualify for Medicare.  Being there is a lot different than just saying you understand; you have to feel.   I understand and have a full appreciation for older homeowners and the challenges you are facing.

Are you confused on what to do next?    Stay, move or do nothing?  Are things going to get better?  Let me know, maybe I can help?

If you are like me, you are probably wondering what happened to 2011.  Seems like yesterday it was January 1, 2011.  We’ve all heard the old adage, ‘seems like time flies by faster the older you get.’ I’m sure if that is correct or not, but for me, seems like it does or maybe it’s all in my mind.  Last I heard there are still 24 hours in a day, each and every day of the week, month, and year.  So why is it, time seems to fly by. I have a couple theories: 

1. Lifestyle…its pretty obvious that our lifestyle today is different today than say 20 or even 10 years ago.  No doubt, we are on the go more and busier than ever.

2.  Technology…of course the most obvious thing to come to mind is the computer.  But, that in itself is not it a reason.  What about email, automobiles, cell phones, overnight express, faxes, television, CD’s, DVD’s, MP3’s, POD’s, YouTube and now Blogs (what’s a blog?) Oh boy, all this technology is taking a lot of our time.

3.  Medical…yes, medical treatment has gotten so much better and for that, we can be thankful, but stop and think about our time built around the medical visits!  Can you remember when the doctor used to come to us, and dispensed the medicine in paper pouches? 

I guess I could go on and on.  As the 2011 comes to an end, I am not considering making a New Years resolutions.   I’ve  always thought I’d either forget them or heck, just never live up to them.  But, I am really going to try to make better use of my time in 2012. Family time better spent with wife and children and better time with the grandkids, and maybe even work in a little time for myself.  Of course, giving back some time to the community and hopefully bestow some of this mature mind onto the minds of our younger generations. I’d like to awake each day with a purpose and by the end of day hopefully reflect that I really accomplished something that day.  For sure, time waits for no man or woman. 

I hope your time in 2012 is Happy and Healthy.