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Reverse the Future

What is a Reverse Mortgage?

A Reverse Mortgage is a type of home loan that lets you convert a portion of the equity in your home without having to sell the home, give up title or take on a new monthly mortgage payment. It is also known as a HECM. The money you receive can be used for any purpose you choose. The program has been around for 27 years and is insured by the Federal Housing Administration.

Based on the final totals in the 2015 calendar year, 945,287 Senior Citizens have benefited from the FHA insured Reverse Mortgage since the program began in 1989. Although the program has been in existence for twenty seven ears, almost one third of the loans been done in just the past five years. That total is 293,058 Reverse Mortgages. These numbers show how popular the program has become for many senior citizens in the recent past.

To learn more about how Reverse Mortgages work, please click here .

Reverse Mortgages Resources

The Seniors Home Reverse Mortgage Blog

There are many reasons to celebrate our modern day healthcare. We are living longer our quality of life is better today than at anytime in the history of the world. Doctors are performing medical procedures today that didn t exist only a decade ago! New prescription medicine is saving hundreds of thousands of lives today in the United States. On average Americans can expect to live well in to their 80s. This is a great time to be alive!

There is a downside to this wonderful news.

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Marriage Savers: Preparing, Strengthening, and Restoring Marriages #marriage #savers,, #mcmannus, #mike, #michael, #harriet, #marriage, #community, #policy, #legislation, #divorce, #mentor, #training, #pre-marital, #sex, #adultery


Welcome to Marriage Savers

Marriage Savers is a Proven Way to Increase the Success of Marriage, Reduce Divorce Rates, and Provide a Better Environment for Children to Thrive.

STEP 1: We Help Establish Community Marriage Policy (CMP) programs in cities and towns throughout the United States and Canada, in which pastors, priests and rabbis join together to strengthen marriages with the conscious goal of pushing down the community’s divorce rate. WHY? So far, more than 200 cities and towns in 43 states have created Community Marriage Policies and divorce rates have fallen an average of 17.5%, and cohabitation by a third.

STEP 2: We Establish Marriage Savers Congregations in churches and synagogues throughout the United States and Canada, in which mentor couples are trained to help other couples prepare for a lifelong marriage, strengthen all existing ones, and restore troubled marriages. WHY? This strategy can virtually eliminate divorces in the local congregation .

STEP 3:We Enrich Existing Marriages and Restore Troubled Ones. Mike Harriet McManus regularly conduct Marriage Enrichment Weekends on weekends at local churches. They also train back-from-the-brink couples who once considered divorce, to create a Restoration Marriage Ministry. Click here to learn more .

Ready to Learn More About This Effective Program? Click here to start the journey towards strong and long-lasting marriages in your community.

TV Stories on Marriage Savers:

Marriage Savers Featured on the 700 Club.
Watch now!

Christian Broadcasting Network Features Marriage Savers in KY:
Kentucky Profiting from Divorce-Proofing Marriages with Marriage Savers.

Proposed Louisiana Divorce Reform and Cohabitation Reform. CLICK HERE TO READ .

NEW! Dr. James Dobson interviews Mike McManus on Family Talk for two half hour shows on 1,100 radio stations to discuss how to cut a city�s divorce rate with a Community Marriage Policy How to help unmarried couples who are living together: CLICK HERE TO LISTEN TO EITHER DOBSON SHOW .

Christian Broadcasting Network Features Marriage Savers in KY:
Kentucky Profiting from Divorce-Proofing Marriages with Marriage Savers. CLICK HERE TO READ AND WATCH .

10 Reasons to Oppose Same-Sex Marriage – click here

Mike McManus won a $1,000 Amy Writing Award given to �authors who apply biblical truth reinforced with scripture to issues that should concern every thoughtful and caring person.� See winning column.

Get a free Marriage Mentoring Matters brochure for your church.

Mike McManus has outlined three ways to cut the divorce rate in half and raise the marriage rate in an article he has written for the Family in America Quarterly published in September 2011. Click here to read the article.

Overview of Marriage Savers

Pollster George Barna Endorses Living Together

Read endorsements of Living Together: Myths, Risks, Answers by George Gallup, Tony Perkins, Chuck Colson, Richard Cizik and others.

ProFinance – Associates, Inc #profinance, #pro #finance, #michael #b. #jones, #michael #jones, #san #diego, #financial #advisory, #investment #banking, #corporate #financing, #mergers #and #aquisitions, #analysis #and #valuations, #financial #management, #william #m. #lynch, #bill #lynch


ProFinance Associates, Inc. (ProFinance ), established in 1985, has been a U. S. broker-dealer firm since 1990. Since inception, its professional staff has provided financial and industry specific advisory and investment banking services across an array of industries with special concentration in high gross margin, repetitive income service industries, the electronic security field, and the maritime industry (particularly maritime technology firms).

“The purpose of this letter is to express my great satisfaction with the services performed by you and ProFinance Associates, Inc. As you know, our transaction was sizable and greatly complicated by the different personalities of the three partners. Your care in addressing each person’s needs and conditions was instrumental in the ultimate successful sale.”


“The purpose of this letter is to strongly recommend ProFinance Associates, Inc. for investment banking services. ProFinance was engaged by Cirrascale to locate start-up and growth financing during 2010 and 2011. This was a very difficult period of time to attract interest in Venture Capital, Private Equity and Family Office capital. ProFinance brought to the table dozens of investor prospects. Through difficult circumstances, they persisted, and never let up. Cirrascale executed a financing transaction in early 2012 with a party introduced by ProFinance .”

  • Senior debt (typically cash flow oriented, enterprise-based credit facilities)
  • Stretch senior financing
  • Convertible and subordinated debt
  • Equity


  • Buy-side advisory services
  • Sell-side advisory services
    1. Orderly sales of companies or divisions
    2. Auctions
    3. Distressed Situations

  • Providing financial and industry specific advisory services to company operators, suppliers, lenders, investors and companies seeking to enter new businesses.

ANALYSIS VALUATIONS – to provide an evaluative financial analysis of a business or prepare a company valuation.

FINANCIAL MANAGEMENT – to selectively assume, typically on an interim basis, the position of Chief Financial Officer, assisting clients with business plans, corporate strategy, financial projections, and funding.

ProFinance is a registered trademark of ProFinance Associates, Inc.

ProFinance Associates, Inc. is a U.S. broker-dealer firm registered with the SEC and is a member of FINRA (Financial Industry Regulatory Authority) and SIPC (Securities Investor Protection Corporation). ProFinance is registered as a broker-dealer in the State of California and may not transact business with persons in other states unless it becomes duly registered in such states or an exemption from registration is available. A broker-dealer or broker-dealer agent may only transact business in a state if first registered, excluded or exempted from the state’s broker-dealer or broker-dealer agent registration requirements, as the case may be, and may only provide follow-up or individualized responses to consumers in a particular state that involves either the effecting or attempting to effect transactions in securities, after complying first with the state’s broker-dealer or broker-dealer agent registration requirements, or pursuant to an applicable exemption or exclusion therefrom. This web site is not an offer to sell securities and is limited to the dissemination of general information about products and/or services and does not involve either the effecting or attempting to effect transactions in securities in any state.

Kelly Ripa – s Son, Michael, Is 19 And The Internet Thinks He – s Super Hot #kelly #ripa, #kelly #ripa #son, #mark #consuelos, #michael #consuelos, #celebrity #news


Kelly Ripa s Son, Michael, Is 19 And The Internet Thinks He s Super Hot

Kelly Ripa s son, Michael, his sister, Lola, 15, and brother Joaquin, 13, (the latter two both look more like mom!) have all grown up with the public watching, many remembering when Kelly announced that she was pregnant with Lola and again with Joaquin! Fans of Live! With Kelly seem to love seeing how much these kids have grown and they really enjoy hearing Kelly talk about her family life.

Kelly Ripa does her best to share photos of her brood on social media, keeping her fans in the loop.

Kelly Ripa s son isn t the only thing that people have been talking about when it comes to the former soap star. A search for her new co-host on Live! has been ongoing since Michael Strahan announced his departure back in April. Kelly has been filming the show with guest co-hosts for several weeks now and doesn t seem to be any closer to finding a permanent replacement.

Kelly Ripa has hosted Live! with Mark Consuelos plenty of times in the past, but his name hasn t come up in reports of who might be taking that seat on a full-time basis (those names include Jerry O Connell, Anderson Cooper, Andy Cohen, and Fred Savage, to name a few).

Kelly Ripa s son is getting so much attention these days, it would be kind of cool if he got to sit in on one of these guest co-host days, don t you think? How cute would it be to see Michael take the seat next to his mom? Talk about a boost in ratings! Would you like to see Michael Consuelos on Live! with his mom?

Kelly Ripa s son is in college, which is hard to believe if you ve followed her from the early days of her career. It s something that Kelly herself can t even believe!

Back in June, Mark joined Kelly on Live! where the two started talking about their son graduating high school .

How are we old enough to have a kid that s going to college? Ripa asked, according to ABC News .

I don t know, Consuelos said. He was hoping that Michael would take a year off from school before heading to college, but Ripa joked about being ready to let Michael move out.

I ve got big plans for his bedroom that bedroom is going to be turned into a mega closet, she said.

Kelly Ripa and Mark Consuelos have been married for 20 years. The two have a love that seems to be unmatched as far as Hollywood marriages go. The two met while working together on All My Children and had somewhat of a whirlwind romance. Soon after meeting and falling in love, the two hurried off to Vegas where they tied the knot on May 1, 1996.

Three children and two successful careers later, Kelly and Mark are still very much in love. Their family is beautiful and their love is wonderful to watch. Fans adore this family and it s easy to see why.

Are you a fan of Kelly Ripa? Do you think her son, Michael, and her other two children are good looking?

[Featured Image by Brad Barket/Getty Images]

Michael Jordan – s First Deals – Commercials #michael #jordan,nike,blogs,commercials,nba,nba #videos,videos


Michael Jordan s First Deals Commercials

The best day in Chicago Bulls history happened 31 years ago today when they signed their #3 draft pick from the 1983 draft to a deal of the century contract that paid Jordan less than a million dollars a year for his first couple of years of services. Not bad considering the Bulls attendance doubled by the end of Jordan s rookie of the year season and not bad considering they didn t even want to draft him.

After his 5th season, the Bulls re-signed MJ to a 8-year deal worth $25 million, which also qualifies as a deal of a century, although, every deal with MJ in the 80s and early 90s basically was a deal of a century. This included Quaker Oats 10- year $13.5-18 million deal to make MJ the face of their Gatorade drink; It s hard to imagine MJ and Gatorade not being a couple but Coke was actually the first drink to wine and dine him and then they made the mistake of being outbid by the Oatmeal makers.

The only relationship not happening that s harder to imagine than the Mike and his Want to Be Like Mike campaign makers is Mike not being with Nike. MJ s original deal with the shoe makers was worth about half a million a year and that relationship has been so beneficial to both parties that they now pay him over $60 million a year to endorse the brand and wear the Jordan shoes under his extra baggy ripped jeans. It s fun to think about how different things would have been if he got his original dream date and married Adidas instead .

With super agent David Falk by his side, Jordan also signed deals with McDonalds, Chevy ($200k as a rookie), General Mills ($2M in 88), Sara Lee, Wilson, Hanes Underwear ($10M in 89) and Ball Park Franks ($2M in 90). Despite the number of deals he had, Jordan reportedly refused a lot of lucrative offers, including a million dollars for a 1 day appearance in the country of Jordan to promote tourism.

Jordan would finally receive a huge NBA Pay Day in 1996, when he signed a 1-year deal with the Bulls worth $30 million and then a 1-year $33 million deal the following year. It was more than the Bulls wanted to pay, but considering the Knicks were rumored to be offering MJ a deal worth over $20 million, the Bulls had to make their biggest investment ever. Lucky for them, it paid off with back-to-back championships and a few more years with the GOAT.

Source: Hoop Magazine article from December 1991 written by Mark Vancil



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