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yourfanat wrote: I am using another tool for Oracle developers - dbForge Studio for Oracle. This IDE has lots of usefull features, among them: oracle designer, code competion and formatter, query builder, debugger, profiler, erxport/import, reports and many others. The latest version supports Oracle 12C. More information here.

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Updated Guide Helps Older Homeowners Use Your Home to Stay at Home™

NCOA Booklet is Required Reading for Seniors Considering a Reverse Mortgage

WASHINGTON, Jan. 22, 2013 /PRNewswire-USNewswire/ --  The National Council on Aging (NCOA) today announces the availability of the 2013 version of Use Your Home to Stay at Home™, the official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development (HUD).

(Logo: http://photos.prnewswire.com/prnh/20100615/NCOALOGO)

Use Your Home to Stay at Home™ is a user-friendly guide to help older homeowners understand the pros and cons of a reverse mortgage. Federal law requires that all individuals who are considering a reverse mortgage receive unbiased counseling by a HUD-approved counseling agency and receive a copy of the NCOA guide.

Also known as Home Equity Conversion Mortgages (HECMs), reverse mortgages allow homeowners aged 62+ to convert a portion of their home equity into cash while they continue to live at home for as long as they're able. Over the past 20 years, a growing number of older homeowners have used this financial tool. Today, most borrowers use the loans for immediate needs, such as paying off their existing mortgage or other debts. About 33% want to supplement their monthly income, so they can afford to continue living independently in their own home longer.

"Use Your Home to Stay at Home™ is an older homeowner's best resource when it comes to examining whether a reverse mortgage is right for them," said Amy Ford, director of NCOA's Reverse Mortgage Counseling Services Network. "Along with reverse mortgage counseling from a HUD-approved counselor, the guide is a trusted source of information for older adults to understand their options before they commit to a loan."

The 2013 version of Use Your Home to Stay at Home™ reflects the latest statistics and rules related to reverse mortgages. The guide can be downloaded for free at www.ncoa.org/RMBooklet. Housing and reverse mortgage counselors can order multiple copies at www.ncoa.org/RMCounselors.

"Reverse mortgages can be a useful piece of the puzzle when it comes to helping older adults make ends meet and stay independent as long as possible," Ford said. "However, they're not for everyone. It's critical that older homeowners and their families get unbiased counseling and information when considering whether to tap into their biggest asset."

As the only national aging organization that provides reverse mortgage counseling, NCOA brings a unique approach to helping older homeowners examine all of their options when it comes to staying independent. HUD requires that all counselors use NCOA's free, confidential BenefitsCheckUp® (www.BenefitsCheckUp.org) service to determine if reverse mortgage clients are eligible for an array of benefits that could help them pay for everyday expenses like food, medicine, and utilities.

In addition, NCOA offers other tools to help older homeowners make the most of their home equity, so they can stay economically secure while maintaining their independence for as long as possible. These include:

  • Home Equity Advisor (www.HomeEquityAdvisor.org): Developed with a grant from the FINRA Investor Education Foundation, this website offers a free Quick Check for older homeowners who want to explore how they can use their home equity to meet their retirement goals and avoid scams.
  • Reverse Mortgage Counseling Services Network (www.ncoa.org/RMCounseling): NCOA's trained counselors help older adults understand the costs and features of different types of reverse mortgage and evaluate the pros and cons for their individual situation. They also discuss other options, including public and private benefits, which can help seniors stay independent longer. HUD has approved NCOA as one of nine reverse mortgage counseling intermediaries.

For more information about reverse mortgages and home equity options and resources, please visit www.ncoa.org/HomeEquity.

About NCOA  
The National Council on Aging is a nonprofit service and advocacy organization headquartered in Washington, DC. NCOA is a national voice for millions of older adults—especially those who are vulnerable and disadvantaged—and the community organizations that serve them. It brings together nonprofit organizations, businesses, and government to develop creative solutions that improve the lives of all older adults. NCOA works with thousands of organizations across the country to help seniors find jobs and benefits, improve their health, live independently, and remain active in their communities. For more information, please visit: www.ncoa.org | www.facebook.com/NCOAging | www.twitter.com/NCOAging

SOURCE National Council on Aging

About PR Newswire
Copyright © 2007 PR Newswire. All rights reserved. Republication or redistribution of PRNewswire content is expressly prohibited without the prior written consent of PRNewswire. PRNewswire shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

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