Using a passionately dreamt about and acquired home as security to obtain a loan, is not the easiest decision to make. But taking this credit to support medical expenses or college fees or to repair or expand the property, might be unavoidable sometimes. In fact, it can also be a source of income, because as the name suggests, reverse mortgages are where the lender pays the borrower. Let us learn a few important formal terms in order to understand the concept of the reverse mortgage. Home equity: The amount of money that one would receive if they sold their house, after paying all their debts on it. For example, assuming a property is valued at $1,000,000, if the uncleared dues against it are for $200,000, then the home equity would be $800,000. Equity loan: A borrowing against the value of the home. The value of the home after having paid off all mortgage or other charges relating to it is only considered. This is done as an assurance to the lender that the money borrowed will be repaid. In the example mentioned above, the equity loan eligibility would be for $800,000. Reverse mortgage: A financial agreement in which a homeowner surrenders equity in their home, in exchange for regular payments. Again, using the same example, a reverse mortgage would be giving up ownership of the house in exchange for periodic returns on the $800,000. Returns on these loans can be a fixed monthly payment or a line of credit (LOC). LOC is a deal between any official financial institution like a bank and the borrower, where the maximum amount that a debtor can acquire against the loan is specified. A direct mortgage insurance premium, origination fees, appraisal fees and other standard closing costs are involved in the calculation of the reverse mortgages. You could check for the reverse mortgage rates and use reverse mortgage calculators for accurate calculations. Evaluating the remaining home equity balance after a particular number of years or the outstanding loan balance after computing interest rates and such is possible with the help of free online loan calculators. Use it as a guide to your financial planning and investing.

Love plants but don't have much time to spend on them? We have just the plants you can keep in your house without worrying too much about their maintenance. Plants that only require minimum attention from you are the best when you can't give them much time. Here are some plants that are easy to maintain: Aloe (Aloe vera) Aloe is one of the most famous and widely known plant around the world. It is best known for its medicinal qualities. But apart from the medicinal properties, aloe looks great inside the house in a smaller pot too. When it comes to care, aloevera plant is not very demanding. You do not need to water it often in winter, Aloe likes the sun, so you can keep them out on the window but harsh light also turns them brown, so it is best to keep them in a place where they get indirect light. Anthurium Also known as flamingo flower. Leaves are big and heart-shaped and flowers are bright red. The contrast makes the house look pretty, where ever you keep the plant. Anthurium grows up to 2 “ 3 feet high and 2 feet wide. This plant does not require direct sun-light. Grows well inside the house without much hassle of repotting and other maintenance. Once you have the right soil and right location for your plant, adequate watering will be enough and it will show gratitude with long lasting flowers. Asparagus Fern Growing and maintaining asparagus fern is easy. The frilly leaves makes a plant appear frizzy which gives you a good enough reason to have in your home. Watering is simple, location is not much of an issue either as they grow well in indirect sunlight as well. However, when you do occasionally repot the plant or prune out dead stems, do wear gloves as it has thorny spurs. Peace Lily Glossy leaves and white spoon shaped flowers are extremely attractive. Peace lily does fine is low humidity and low light. It is known for being one of the easiest plants to keep at home. Show them direct sunlight once in a while and that will be enough for them to bloom. Also regular watering is important but its simple. So go ahead and pick one or many hassle free plants for your home. Do keep your children and pets away as leaves, flowers and buds of some plants are toxic if consumed.

Age is just a number. You can look beautiful and graceful, no matter which decade you have recently hit upon. Being in your 60’s is no different, and it is not hard to look good. Just appreciate your age, dress your age, and inspire. There have always been trending fashions, women over 60 can check out. All you have to do is find the best fit for trial and error. Here is a brief insight into staying fashionable to age gracefully.

• Go for classic looks – Most of the dresses today are manufactured keeping in mind the needs and fittings of the young generations. So to make yourself look better than before, you do not always need to keep up with the trend and if you think some dress might not look good on women of your age, then feel free to say so. You can always mix and match old trends as well as new trends. Go for sober and classic clothing.
• Wear the right trousers – Trousers are one of the most important aspects of fashions, women over 60 should look into. Velvet trousers are the best-suited trousers for both men and women. Pair it with the right top to look great.
• Pick and choose – Choose the right clothes for yourself. If you want, you can discuss it with the helping hand in the mall on what clothes to wear and where you can find them. Clothes for women over 60 come in various types, and buying the ones based on your comfort will work well.
• Be assertive - Always purchase clothes and accessories that look great on you and say no to everything else. Go for something that is classic yet contemporary in design. Always give that a trial and then decide. There are several brands available that cater specifically to your age group and you may check it out as well.
• Get rid of dark lips – As part of fashions, women over 60 should have the perfect lipstick. Throw away those dark burgundies and red colored lipsticks, which make your face dull and give a try to bright red, orange and other light and bright lipsticks.
• Opt for classic bags – Bags are one thing that you might not really pay attention to, which makes one look old-fashioned and they lay back on time. Consider handbag as any other essential accessory such as jewelry and give due care to purchase from renowned brands. You can also try to get top brands on discount.
• Maintain your teeth – There is no use of wearing great looking clothes and accessories if your teeth look messy. With age, teeth start getting yellow, and you must whiten them to give your mouth a fresh appeal. If you cannot afford this treatment, get yourself whitening strips widely available in all the stores.
• Regulate exercise hours – If you like keeping yourself fit and fine, then exercise must be your regular thing. Walking with effort and willpower is what you need to keep yourself fit and fine.
• Get inspired by some icons of your life – Get inspired by your favorite movie actors and actresses. These men and women face so many challenges in life and in spite of that, they keep laughing, and their style statement makes them unique. As you can see, with a little effort you can be gorgeous as ever. Equip yourself with the right fashion accessories and have fun.

Birthdays are always special occasions, times when parties and celebrations tend to go out of hand. But who says cards cannot as well? Here are some crazy ideas to implement on birthday cards that are sure to be a hoot with the receiver of it! If you’d like to give your friend a little scare on their special day, listen up. Simply take a plastic lizard or cockroach or any other small, slimy thing your friend detests and fashion it as a pop up inside the card. When the receiver opens it, it’s sure to freeze their heart for a second as they scream in horror, while you laugh manically in joy. A simple prank with just a birthday card! The next idea would be to give the receiver a card that plays soft, sweet music once it is opened. The idea here is to let them enjoy that music for a few seconds but tweak the audio in such a way that halfway through the audio, it starts to play a wide variety of animal noises. This is sure to surprise your friend for several beats as they try to process what is happening! The next idea is simple yet will surely stump the receiver of your birthday card. Simply take a colored paper, fold it into a traditional card shape, and stick it into an envelope in such a manner that it cannot be removed. Then make another card, but this time the real one with decorations and dedications and hide it with you. Give the birthday person the card in the envelope and watch as they valiantly try to remove the card from the envelope without any success. Finally, after seeing them struggle enough, whip out the real one and present it to them. You’re sure to get the stink eye, but it’ll be worth it! The final idea is making the birthday person find your birthday card by means of a treasure hunt. Provide them with various clues and make them solve these to find the hidden treasure - your birthday card! This would be amusing not only for the birthday person but also for you as you'll figure out how much of a detective your friend truly is! These easy-to-implement yet quirky ideas are sure to trick your friend on their birthday and provide them with a little bit of fun on their special day!

Planning for retirement doesn't have to be a chore; in fact, it can be made downright easy. With a good investment firm, it takes the hassle out of the process and demystifies all the business mumbo jumbo. If you are new to the world of investments, and looking to sink your teeth into something that can help you save for the future, try these 3 investment firms. They're all well known for their customer service and solid returns, and are presented in no particular order. Betterment If you've got an old, orphaned 401(k) plan lying around somewhere, you can let Betterment take care of it.They take your age, your investment goals and your retirement date, and take care of the rest for you. They handle complete investment solution plans; if you want someone to take care of your IRA (Investment Retirement Accounts) for you, try them. Good investment firms today can work with minimal paperwork; that's something this firm can offer you. The company also optimizes your investment options based on your risk preferences; their customer service is known to be exceptional and hassle free. Moreover, fees are low and most procedures are automated. Vanguard If you're a personal investor, Vanguard can help. This company offers its services to personal investors, financial advisors and retirement plan participants who have 401(k)s and and 403(b)s with their employers. Personal investors get full, anytime access to their IRA accounts. These can hold their stocks, bonds, mutual funds and other forms of investment with the company. They can help keep track of investment performances. Vanguard also has apps and online tools to help investors keep regular, consistent tabs on your money. They also provide research materials, so you can read up on your investment choices and options, educating yourself as an investor. Fidelity Fidelity offers a wide variety of financial services, catered mostly to personal investors, those who hold IRAs with companies, and so on. They have some of the lowest expense ratios in the investment industry, and allow rollovers from other institutions and newly opened IRAs and Roth IRAs. You get instant access to your investment portfolio, and the ability to move around your money whenever and however you see fit. They also allow bill payment and money transfers between different institutions. A great advantage that this firm offers is that their website is also packed with financial information that can be read by you even if you aren't their customer.

Anything that we use in our day-to-day lives has to be of good quality to ensure our safety; be it our food, clothes, and even the makeup that we apply on our skin. There are a plethora of makeup brands in the market with price ranges which are affordable for all, however, not every product or brand is safe for you to use. Therefore, learning about different cosmetics brands and their makeup quality is essential to ensure that you only buy and use good quality makeup on your skin. Below are some popular brands you can find in stores that offer great quality makeup products. Estée Lauder This brand of cosmetics has been around since 1946 and is one of the best makeup brands worldwide. The products made by Estée Lauder are innovative, technologically advanced, and have been proven to be effective. Some of the latest skin care products launched by Estée Lauder are mentioned below.

• Revitalizing Supreme+, which is an anti-aging cell power crème
• Advanced Night Repair Eye Supercharged Complex
• Resilience Lift, which is a cooling and eye lifting gel creme

L’Oreal L’Oreal has become a global leader when it comes to beauty and cosmetics. This French company offers some of the best and superior quality cosmetics at an affordable price. L’Oreal has also created a huge loyal customer base by selling great quality products to people across the globe. The company offers a range of makeup and skincare products that include eye makeup, lip color, face makeup, and eye care and face care products. Some of the latest makeup products are mentioned below.

• Ultra Matte Highly Pigmented Nude Lipstick
• Lumi-Shake and Glow Dew Mist
• Lash Lifting and Lengthening Waterproof Mascara Blackest Black
• 24 Hour Fresh Wear Foundation

NARS NARS, the French cosmetics brand was created with the motive of empowering women to experiment and enjoy makeup. The mission hasn’t changed from its inception in 1994 until today. When the company was started by a makeup artist, it had only 12 lipsticks that were sold at Barneys New York. However, over the years, the company has grown bigger with a wide range of products including face makeup, eye makeup, makeup palettes, and nail polishes. Some of the latest makeup products are mentioned below.

• Soft Velvet Pressed Powder
• Pure Radiant Tinted Moisturizer
• Quad eyeshadow