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A reverse mortgage is a form of equity release (or lifetime mortgage) available in the United States. It is a loan available to seniors aged 62 or older, per HUD, and is used to release the home equity in the property as one lump sum or multiple payments. The homeowner's obligation to repay the loan is deferred until the owner dies, the home is sold, or the owner leaves. The owner can be out of the home for up to 364 consecutive days (i.e., into aged care).
In a conventional mortgage the homeowner makes a monthly amortized payment to the lender; after each payment the equity increases within his or her property, and typically after the end of the term the mortgage has been paid in full and the property is released from the lender and becomes fully and solely owned by the homeowner. In a reverse mortgage, the home owner makes no payments and all interest is added to the lien on the property. If the owner receives monthly payments, or a bulk payment of the available equity percentage for their age, then the debt on the property increases each month.

Continue reading "Have you thought about a reverse mortgage?"

I'm not sure if the New York Knicks have all the pieces in place right now, but by adding Carmelo Anthony they are certainly one big step closer to being a NBA championship contender. Although considering the mismanagement over the last 10 years it's heard to believe they won't mess this up too.

Watch for the Knicks to make some strong stragetic moves during this off season to sure things up and make them a true Eastern conference powerhouse.

New York NY Direct TV can bring you all the Knicks action you want.

Continue reading "Are the New York Knicks real contenders with Carmelo Anthony on board?"

Two cities that produce NBA Eastern Conference contenders also have the two teams that are favored to win the Super Bowl as the NFL playoffs are set to begin this weekend.

NBA spread betting experts might recognize that Atlanta and Boston produce two East contenders and with the Falcons and Patriots, both cities have the Super Bowl XLV juggernauts as well.

Just as in the NBA’s East, Atlanta’s team is viewed with an eye of pessimism. The Falcons had a great regular season but don’t have a ton of playoff experience. They’re a young squad that is gaining it on the fly.

Meanwhile, Boston’s team - just like in the NBA – is experienced, savvy and has done it before. The Patriots are the odds-on favorites to do it all and considering they’ve won it three times this decade, why bet against them?

Continue reading "Patriots, Falcons Super Bowl Favorites"

Basketball betting is not quite as common as betting on some other sports, but if you do your research, take your time and keep accurate records, there’s no reason you can’t be as successful at betting on basketball as betting on anything else. Here are a few tips to get you started.

Top Basketball Betting Tip: NCAA vs. NBA

Of course you are welcome to bet both college and pro basketball (including the WNBA), like placing your bets in online video poker games, you need to be aware that each type of basketball may have very different factors in play. In college basketball, every game counts, whereas pro teams can afford to drop a few games here and there and still have a great shot at the championship. There may be a much larger disparity between two competing college teams. Know the league you’re betting.

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I really like the direction this team is going but I'm not so sure they can really be a contender in the East this year.  The East has gotten a lot stronger over the last few years and while I think they can make the playoffs I don't really see any chance that they can really beat The Magic, the Heat, the Celtics, of the Bulls.  And I'm skeptical they can even beat teams like the 76ers or the Hawks.

What do you think? 

Continue reading "Can the Charlotte Bobcats be a contender in the East?"

Hey gang!

I am excited as the new NBA season approaches. The preseason started last night and that means that we are less than four weeks away from the start of the season. I've got my Gamecenter online so that I can watch games with my computer. I'll spend time on this blog talking about what games I've watched and other exciting news and notes from the NBA. 

I have several teams that I love, but my top two teams are the Magic and the Pacers. I used to live in the Orlando area for several years and now live closest to the Pacers. If I get to any of the Pacer games live, then I'll also post pictures from those.

Let's get ready for a fun year. Over the next couple weeks, I'll give you my insights as to who might win the trophy in June.

Frank

Continue reading "Fired up for a fun NBA season!"

Today, after receiving a pair of free tickets to the Pistons/Nuggets game at the Palace, I had a few reactions.

 

My first one was, “Hell Yeah! Free Pistons Tickets!”

 

The second one was, “Have I seen Carmelo Anthony in person?” I had to think about it, but nope, I’ve never seen ‘Melo play.

 

The fact is, I haven’t seen a lot of the best players in the game play.

 

When I was younger, I went to a ton of Pistons games, and I saw most if not all of the best players of the 90’s play in person.

 

But when you spend a good portion of the 2000’s in college, and the rest of it fresh out of college still looking for that high paying job that the $30,000 piece of paper you just received tells you that you deserve, it becomes a little tougher financially to squeeze in a whole lot of Piston games.

Continue reading "Three Year Bucket List"

Tim Donaghy, the referee who spent 15 months in a federal prison for his role in a betting scandal that rocked the NBA, is out of prison and looking to make a splash once again.

 

The NBA did a phenomenal job sweeping the whole Donaghy scandal under the rug as best they could when the revelations were made public that he had ties to organized crime and that he may or may not have affected the outcomes of NBA games.

 

Beyond the initial outrage, little was mentioned of Tim Donaghy and his potentially crippling claims that he bet on NBA games that he was officiating. The NBA public relations department did a great job of painting Donaghy as a “rouge” employee and assuring the public that this was a very isolated incident.

 

I believe that the NBA even had a hand in getting Donaghy’s sentencing hearing pushed back from April (which would have happened during the first week of the NBA playoffs, a terrible time to remind people that there once was a referee that bet on game) to later in the summer when the NBA season was over.

Continue reading "An End to the Tim Donaghy Scandal (Hopefully)"

www.sporcle.com is awesome. It’s a great place to waste time.

If you’ve never heard of it, basically it is a website that gives you the topic to a list of people, places, or things, and you have a certain amount on time to guess all the answers in the list. 

They have a lot of pop culture quizzes, and some pretty good sports ones as well.

Today, I stumbled across the list of the 80 players to play in an NBA all-star game in the 2000’s. Here’s a link to it. 

I got 55 of the 80. I drew a complete blank on two obvious ones, spent way too much time on them, and didn’t finish in time. I’m pretty disappointed with my score.

How many can you get right in 8 minutes?

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A few days ago I posted a blog listing the best scorers in the NBA today that have yet to have a 50-point scoring game.

While researching that post, I had an even more interesting idea for a post.

It’s a list of guys who, unbelievably, had a 50-point game in their career.

Since I was using www.basketball-reference.com to research the list, we’re only going back to the 1986-87 season. It’s far enough back in time to make some of the guys on the list obscure, but not far enough back to where you won’t remember them.

In no order, here are some of the more random players to score 50 points in an NBA game over the past 24 seasons.

Vernon Maxwell

Before Ron Artest and the “Malice at the Palace”, there was Vernon Maxwell running into the stands and punching a fan. While “Mad Max” will be remembered most for that, he also finds himself in elite company as one of only 60 players to score 50 or more points in a game since the start of the 1986-87 season.

Continue reading "That Guy Scored 50??"