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Tom Selleck - AAG Reverse Mortgage "STOOL"....

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Jimbo View Drop Down
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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... Sick 

YUCK.  Stern Smile





Mon aéroglisseur est plein d'anguilles.
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MrTim View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote MrTim Quote  Post ReplyReply Direct Link To This Post Posted: 09 May 2020 at 6:19am
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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Post Options Post Options   Thanks (0) Thanks(0)   Quote tikibagger Quote  Post ReplyReply Direct Link To This Post Posted: 09 May 2020 at 3:31pm
Tom Selleck IS a STOOL
...Relax in yer PUPPY Pants....
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aka ron View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote aka ron Quote  Post ReplyReply Direct Link To This Post Posted: 09 May 2020 at 3:35pm
Pile of Poo on Apple iOS 13.3
I can't complain but sometimes I still do
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Post Options Post Options   Thanks (0) Thanks(0)   Quote atikovi Quote  Post ReplyReply Direct Link To This Post Posted: 09 May 2020 at 5:13pm
Did he leave a sample while filming? That Depends. 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote bb2zz Quote  Post ReplyReply Direct Link To This Post Posted: 10 May 2020 at 10:40pm
Just the voice makes me want to puke...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote tikibagger Quote  Post ReplyReply Direct Link To This Post Posted: 11 May 2020 at 2:38pm
Fagnum gives no Fs when it comes to 'regular ppl'..that smuggy blowhard look reveals that
...Relax in yer PUPPY Pants....
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Banderboy Quote  Post ReplyReply Direct Link To This Post Posted: 12 May 2020 at 3:46am
He reminds me of Mengele from Boys From Brazil. I wish the same fate would befall him.
And the prophet said:
"And lo, the beast looked upon the face of beauty. And it stayed its hand from killing. And from that day it was as one dead".
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Post Options Post Options   Thanks (0) Thanks(0)   Quote ThatNerdInPhilly Quote  Post ReplyReply Direct Link To This Post Posted: 13 May 2020 at 2:30am
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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Post Options Post Options   Thanks (0) Thanks(0)   Quote aka ron Quote  Post ReplyReply Direct Link To This Post Posted: 25 May 2020 at 4:15pm
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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Post Options Post Options   Thanks (0) Thanks(0)   Quote atikovi Quote  Post ReplyReply Direct Link To This Post Posted: 25 May 2020 at 4:35pm
The longer you wait, the more you get a month. The trick is to know when you will die.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Jimbo Quote  Post ReplyReply Direct Link To This Post Posted: 25 May 2020 at 6:06pm
Originally posted by aka ron aka ron wrote:

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.

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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Post Options Post Options   Thanks (0) Thanks(0)   Quote Thor Quote  Post ReplyReply Direct Link To This Post Posted: 25 May 2020 at 6:49pm

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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Post Options Post Options   Thanks (0) Thanks(0)   Quote unwanted1 Quote  Post ReplyReply Direct Link To This Post Posted: 26 May 2020 at 6:26am
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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Post Options Post Options   Thanks (0) Thanks(0)   Quote tikibagger Quote  Post ReplyReply Direct Link To This Post Posted: 26 May 2020 at 2:30pm
Originally posted by unwanted1 unwanted1 wrote:

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.

HEY--just like these $$ Corona Stimuli--u KNOW at some point they will 'COLLECT' on this
...Relax in yer PUPPY Pants....
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Jimbo Quote  Post ReplyReply Direct Link To This Post Posted: 26 May 2020 at 2:52pm
Originally posted by unwanted1 unwanted1 wrote:

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.

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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Post Options Post Options   Thanks (0) Thanks(0)   Quote Thor Quote  Post ReplyReply Direct Link To This Post Posted: 26 May 2020 at 3:43pm
^ 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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Post Options Post Options   Thanks (0) Thanks(0)   Quote unwanted1 Quote  Post ReplyReply Direct Link To This Post Posted: 26 May 2020 at 7:07pm
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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Post Options Post Options   Thanks (0) Thanks(0)   Quote Banderboy Quote  Post ReplyReply Direct Link To This Post Posted: 26 May 2020 at 9:35pm
Originally posted by unwanted1 unwanted1 wrote:

  "I'm from the IRS and I'm here to help you"

Said no one ever.
And the prophet said:
"And lo, the beast looked upon the face of beauty. And it stayed its hand from killing. And from that day it was as one dead".
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Jimbo Quote  Post ReplyReply Direct Link To This Post Posted: 26 May 2020 at 10:38pm
Originally posted by unwanted1 unwanted1 wrote:

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!

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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Post Options Post Options   Thanks (0) Thanks(0)   Quote unwanted1 Quote  Post ReplyReply Direct Link To This Post Posted: 27 May 2020 at 6:49am
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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Post Options Post Options   Thanks (0) Thanks(0)   Quote aka ron Quote  Post ReplyReply Direct Link To This Post Posted: 27 May 2020 at 4:29pm
Originally posted by unwanted1 unwanted1 wrote:

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
Dude! Maybe you should buy a clue!

TV commercials are the heart of the marketing machine.

Any housing problems in this state of uncertainty?


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Post Options Post Options   Thanks (0) Thanks(0)   Quote unwanted1 Quote  Post ReplyReply Direct Link To This Post Posted: 27 May 2020 at 6:31pm
Taxes and insurance are probably more than the escrow and if one is missed...oops!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Jimbo Quote  Post ReplyReply Direct Link To This Post Posted: 27 May 2020 at 7:51pm
Originally posted by unwanted1 unwanted1 wrote:

Taxes and insurance are probably more than the escrow and if one is missed...oops!

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.



 
Mon aéroglisseur est plein d'anguilles.
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