Lots of minds like concrete on here- All mixed up, and permanently set!
I'm just speaking of the reputable outfits (there can be scammers in every situation)- but the biggest misconception in the answers below is that at some point, they throw you out of your house. Not true. Its simply an annuity, funded by your home equity. The payments may stop if you outlive the annuity tables (depending on the terms of the contract), but you stay for life.
Works fine for a senior who wants to stay in their house, can't afford to as it stands, and the kids (if any) won't or can't help.
I sure hope none of the naysayers have a "Living Trust"- that's really the pot calling the kettle black, because living trusts are the biggest scam of all.
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Today's Featured Article - Usin Your Implements: Bucket Loader - by Curtis Von Fange. Introduction: Dad was raised during the depression years of the thirties. As a kid he worked part time on a farm in Kansas doing many of the manual chores. Some of the more successful farmers of that day had a new time saving device called a tractor. It increased the farm productivity and, in general, made life easier because more work could be done with this 'mechanical beast'. My dad dreamed that some day he would have his own tractor with every implement he could get. When he rea
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