Tom Selleck - AAG Reverse Mortgage "STOOL".... |
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Jimbo
Honor Roll Joined: 19 Apr 2008 Location: Florida Status: Offline Points: 56960 |
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Posted: 09 May 2020 at 2:45am |
The premise of this ad is Tom Selleck comparing retirement income from private pension, SS and savings to a wobbly 3 legged stool... ....while adding a reverse mortgage from AAG creates a sturdy 4 legged "chair". I don't know if that's true or not. All I do know, is that there is something disgusting and disturbing about hearing Tom Selleck talking about his stool... YUCK. |
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...the ads take aim and lay their claim to the heart and the soul of the spender
Jackson Browne - The Pretender C'mon, man! Joe Biden - 46th President of the United States |
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MrTim
Ad Exec Joined: 15 Apr 2008 Status: Offline Points: 10421 |
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A 4-legged chair will be wobbly if even one of the legs is of the wrong length. A 3-legged stool won't be wobbly, because all 3 legs will sit on the floor (like in the pic above.) Unless it's a cheap-ass Chinese IKEA stool, or a damn fool tries standing on it...
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tikibagger
Junior Executive Joined: 12 Dec 2014 Location: AZ Status: Offline Points: 3848 |
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Tom Selleck IS a STOOL
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...YUMMY Broccolini!!....
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aka ron
Honor Roll Joined: 11 Apr 2009 Location: WI Status: Offline Points: 33539 |
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atikovi
Junior Executive Joined: 12 Dec 2013 Location: DC Status: Offline Points: 616 |
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Did he leave a sample while filming? That Depends.
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bb2zz
Commercial Hater Joined: 23 Apr 2020 Location: MI Status: Offline Points: 29 |
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Just the voice makes me want to puke...
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tikibagger
Junior Executive Joined: 12 Dec 2014 Location: AZ Status: Offline Points: 3848 |
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Fagnum gives no Fs when it comes to 'regular ppl'..that smuggy blowhard look reveals that
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...YUMMY Broccolini!!....
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Banderboy
Junior Executive Joined: 16 May 2009 Location: Lincoln, Ne Status: Offline Points: 608 |
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He reminds me of Mengele from Boys From Brazil. I wish the same fate would befall him.
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Every day my mind grows keener- my good arm stronger--- my silly enemies more futile---
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ThatNerdInPhilly
Junior Executive Joined: 23 Oct 2014 Location: Philadelphia Status: Offline Points: 3275 |
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I saw..more like heard this earlier, background noise on my TV as I was on the computer.
My GOD..it just seemed like he was rambling on and on and on. |
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aka ron
Honor Roll Joined: 11 Apr 2009 Location: WI Status: Offline Points: 33539 |
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Hah! Tom has an even more annoying commercial! Jimbo, I remember you talking about filing for your SS benefits at 62. Any advice on when to request such benefits? I turn 62 in January.
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atikovi
Junior Executive Joined: 12 Dec 2013 Location: DC Status: Offline Points: 616 |
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The longer you wait, the more you get a month. The trick is to know when you will die.
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Jimbo
Honor Roll Joined: 19 Apr 2008 Location: Florida Status: Offline Points: 56960 |
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It depends on how much you think you'll need to live on.
It's true that if you wait until age 67 you'll get more per month, but on the other hand, you'll go five more years without getting anything. You can go to the SS.gov website and calculate your benefit at each age between 62 and 67. Then you can determine how many months you'll have to collect benefits at the higher (age 67) rate, just to "break even" and catch up to what you would have gotten by then had you started collecting at 62.
It's a personal decision everyone has to make based on their own financial needs.
Whichever way you decide to go, remember to apply 6 months before the date you plan to begin collecting. IOW, if you decide to start collecting at 62, you'll need to begin the application process in July.
Then, you have to wait two more months for your first check because they hold back a month and pay after the next month the benefit is for.
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...the ads take aim and lay their claim to the heart and the soul of the spender
Jackson Browne - The Pretender C'mon, man! Joe Biden - 46th President of the United States |
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Thor
Revolutionary Joined: 16 Apr 2008 Location: Rockaway, NJ Status: Offline Points: 63906 |
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I don't really need the money yet, so I guess I'll wait till 66 (I think that's the highest SS age for people born in '55). |
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unwanted1
Junior Executive Joined: 25 Jan 2018 Location: n.c. Status: Offline Points: 254 |
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Never a 3-legged, but a foot long. The government has to have a hand in that; they don't just give offers such as that out of the goodness of their hearts; there has to be a catch somewhere.
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tikibagger
Junior Executive Joined: 12 Dec 2014 Location: AZ Status: Offline Points: 3848 |
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HEY--just like these $$ Corona Stimuli--u KNOW at some point they will 'COLLECT' on this
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...YUMMY Broccolini!!....
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Jimbo
Honor Roll Joined: 19 Apr 2008 Location: Florida Status: Offline Points: 56960 |
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The govt is not really involved in the transaction. They just created the law that established the type of loan involved. Otherwise, it's all between the homeowner and the bank issuing the loan. The "catch" is that the bank doesn't give you the full appraisal value of the home and then, during the following years that you continue living in it, they're betting that real estate values will increase. So when you eventually die or have go into a home and can no longer live in it, the bank takes possession of a house that is now worth a considerable amount more money than what they paid for it. OTOH, you or your heir(s) can pay the loan back in cash, so if there's a profit component like interest etc., I don't know how that works. |
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...the ads take aim and lay their claim to the heart and the soul of the spender
Jackson Browne - The Pretender C'mon, man! Joe Biden - 46th President of the United States |
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Thor
Revolutionary Joined: 16 Apr 2008 Location: Rockaway, NJ Status: Offline Points: 63906 |
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^ So, you're saying it would've been good to take out the reverse mortgage in 2006, and then die in, like, 2008...and, in the interim---spend, spend, spend.
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unwanted1
Junior Executive Joined: 25 Jan 2018 Location: n.c. Status: Offline Points: 254 |
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One catch is if you pay off your mortgage, you are still responsible for insurance and property taxes...out of your pocket. This had to be a original idea of your government, the ones who say, "I'm from the IRS and I'm here to help you". YEAH, RIGHT!
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Banderboy
Junior Executive Joined: 16 May 2009 Location: Lincoln, Ne Status: Offline Points: 608 |
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Said no one ever.
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Every day my mind grows keener- my good arm stronger--- my silly enemies more futile---
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Jimbo
Honor Roll Joined: 19 Apr 2008 Location: Florida Status: Offline Points: 56960 |
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Not really a "catch", since the house still belongs to the recipient of the loan. Why shouldn't one have to continue to maintain insurance and pay taxes on one's own house? The recipients also have to keep up the maintenance and pay for any repairs themselves too. The reverse mortgage idea was conceived and enacted into law by the Reagan admin, btw. |
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...the ads take aim and lay their claim to the heart and the soul of the spender
Jackson Browne - The Pretender C'mon, man! Joe Biden - 46th President of the United States |
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unwanted1
Junior Executive Joined: 25 Jan 2018 Location: n.c. Status: Offline Points: 254 |
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could get water and corn added...JUST PAY A SEPARATE FEE.
BUT, JUST THINK, YOU COULD HAVE A SECOND CAR OR HOUSE...JUST PAY A SEPARATE FEE. idiots run television stations
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aka ron
Honor Roll Joined: 11 Apr 2009 Location: WI Status: Offline Points: 33539 |
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TV commercials are the heart of the marketing machine. Any housing problems in this state of uncertainty? |
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unwanted1
Junior Executive Joined: 25 Jan 2018 Location: n.c. Status: Offline Points: 254 |
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Taxes and insurance are probably more than the escrow and if one is missed...oops!
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Jimbo
Honor Roll Joined: 19 Apr 2008 Location: Florida Status: Offline Points: 56960 |
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What escrow? The money is the recipient's to spend as they please. And why should the bank have to pay the taxes on someone's property? Of course you have to maintain the house and keep it insured. Do you think a bank would give someone $100K or more against the equity on a house, only to have it fall apart from neglect or be damaged, but with no insurance to have it repaired with so that when they eventually take possession of it, it's not worth anything? No bank like that would stay in business very long. |
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...the ads take aim and lay their claim to the heart and the soul of the spender
Jackson Browne - The Pretender C'mon, man! Joe Biden - 46th President of the United States |
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HART
Junior Executive Joined: 09 Nov 2020 Location: arizona Status: Offline Points: 2447 |
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i can smell a scam here
and Tom is not helping at all I dont trust people that are desperately grabbing for dollars at the end of their careers and I dont like his moustache I dont think he cares if people loose their homes in some fraudulent banks refi scheme i think he is just another scumbag trying to milk another buck off his 70"s fame f**k this mother f**ker your welcome
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