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Lenders aren't allowed to close on a federally insured reverse mortgage until borrowers meet with a HUD-approved counselor, who is required to help them explore alternatives such as selling their home or lowering their expenses. That's because the greatest reverse-mortgage risk, especially for younger borrowers, may be that they will live longer than they expected and drain all the available equity from their home. Says reverse-mortgage specialist Bronwyn Belling: "If you borrow the money now, you may not have it when you need it later...
...most striking statement at Michael Jackson's memorial service was not his daughter Paris' tremulous and wrenching goodbye. It was not Berry Gordy's declaring Jackson "the greatest entertainer that ever lived," nor was it the Rev. Al Sharpton's assertion that Jackson's fame made a generation of white kids comfortable with electing a black President. It came before the encomiums and music began, after Motown singer Smokey Robinson took the stage, read testimonials from Diana Ross and Nelson Mandela, walked...
...greatest speeches of all time...
Some psychologists argue that universal PPD screening misses the point because the greatest risk factor for postpartum depression is not giving birth, in fact, but previous depression. Women develop depression at the same rate whether or not they have given birth, according to Stony Brook University psychology professor Marci Lobel. "Women who have been healthy all their lives, who haven't suffered lots of anxiety and depressive symptoms, are unlikely to have problems in the postpartum period - not even close to likely," says Michael O'Hara, a University of Iowa professor of psychology. Further, say experts, while pregnancy hormones...
...keeps his staging within Lerner’s outlines, which set designer Michael Schweikardt fills with color. To this portrait, costume designer Alejo Vietti adds a dab of earth tones. The men stride in fur-lined, verdant coats; the women frolic in pastel, summer dresses. But Vietti achieves his greatest efficacy in his simplest combinations. When Guenevere meets Arthur in a wintry forest, she dons a white cloak, highlighting her long red hair. The contrast accentuates Guenevere’s fiery passion—the reason that men find her irresistible...