alk about back from the dead. About 15 years ago, so-called reverse mortgages — which let senior citizens pull out equity from their homes to supplement retirement income — were just about buried in bad press. Too many bad products and bad deals gave them a terrible rep, said Casey Fleming, a mortgage adviser in Northern California.
But that was then. Now there’s a shift. “Reverse mortgages are becoming more popular, as baby boomers retire,” said Jamie Hopkins, a professor of retirement at the American University of Financial Services in Bryn Mawr, Pennsylvania. “In the next two to three years you will see a tremendous amount more. A lot of our wealth is built into home equity. This will be a saving grace for a lot of baby boomers.
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Both experts are right, but many things have happened that effectively have put reverse mortgages on the financial planning agenda for some baby boomers. The main thing is: boomers may need the money. Many are coming up woefully short when it comes to retirement savings and investments.
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Forex beginners sometimes seem “thing in itself.” Coming on Forex, novice traders often do not know where to start. Technique opening trades, market analysis, exchange rate movements – all this at first seems incredibly complicated. As a result, beginners often fall into two extremes – to play “at random” or not work at all in the Forex market. Meanwhile, to learn Forex trading for beginners is quite capable.
To work on the Forex market is quite successful. But it is not “at random”. Forex – financial market laws, the main of which can and should be no casino it operates here is not a theory of probability, and to know to become a successful trader.
But to learn at least the most important of these laws, not necessarily to become a graduate of Harvard or economic gurus.
As rightly wrote back in the 1990s, an American journalist (recognizing that Albania has released ADR – American Depositary Receipts): “If Albania has been able to do it, then why is not my barn to do the same?”
To navigate in the Forex market, we should start first of all, to get answers to some basic questions.
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