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Home buyers often save rigorously for their home cheap air max 90 mens , forgoing expenditures and making sacrifices to pay down the mortgage and save for retirement. At retirement they get to enjoy their dream home debt-free. The only problem with this scenario for a lot of retirees is that they live on a fixed, and often not very large, income.


One option is to take a reverse mortgage - a loan against the home, which brings you money while you still live in your home. You can usually borrow between 10 to 40 percent of the value of your home depending on your age. A reverse mortgage loan requires no repayment for as long as you live in your home and you will never owe more than the value of your home.


This loan is different from a traditional mortgage in two ways. In order to qualify for a traditional mortgage, the bank checks your income to see how much you can afford to repay each month cheap air max 90 womens , but with a reverse mortgage there are no monthly repayments. With most loans, if you fail to make your repayments, you are in trouble. With a reverse mortgage, you don't have any repayments. Thus, the debt grows larger as you keep getting cash advances and the interest is added to the amount you owe. This is why a reverse mortgage is called a "rising debt cheap nike air max 90 nz , falling equity" loan. As the amount you owe (your debt) grows larger, your equity (the value of your home less debt) is getting smaller.


You can receive income from your reverse mortgage in two ways. You can take the loan and invest it in an annuity. In turn, this annuity will provide you with income until your death. The second alternative is to receive monthly income from your reverse mortgage provider. Here you simply increase the size of your loan on a regular basis in order to receive income.


There is one big downside to all of this - you still owe money on your home. The total amount you will owe at the end of the loan will equal the loan plus all the interest accrued. All the interest can be a substantial amount of money.


Before you apply for a reverse mortgage, discuss your options with your family. Remember that a reverse mortgage will reduce the size of your final estate.


Top 10 Natural Remedies for Hair Loss Health Articles | May 14, 2016

Hair transplant in India is a perfect treatment that helps to remove baldness and get hair back on your head again. If you’ve been witnessing hair loss problem then you can also go for various natural remedies that will reduce the speed of hair loss.



Hair plays an important role in establishing the identity of every individual. A head full of shining and healthy hair increase the level of attraction in a person’s identity. However cheap nike air max 90 free shipping , hair loss is a major problem that deprives people from their attractive hair.


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Hair loss can occur due to various reasons like ageing, extreme stress, genetic reasons, hormonal imbalance, and infections on scalp cheap nike air max 90 online , natural deficiencies, excessive smoking, and usage of chemical hair products, autoimmune diseases, thyroid disorder cheap nike air max 90 sale , chronic illnesses, and consumption of heavy medications.


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Hair transplant in India performed by the best hair transplant surgeon in India is surely one of the most effective treatments that can bring back hair on an individual’s head permanently. If you’re facing hair loss problem then you could also follow some natural remedies to at least reduce the speed of hair fall.


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Here are the top home remedies that can slow down the speed of hair loss.


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Regular Hair Oil Massage

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Massage your scalp with appropriate hair oil such as olive oil and almond oil to reduce the speed of hair fall. It conditions the scalp, increases blood flow to the hair follicles, and gives strength to the hair’s roots.


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Apply Onion Juice

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Onion juice has high sulphur content, which reduces inflammation cheap nike air max 90 shoes , regenerates hair follicles and improves blood circulation to the hair follicles. It also kills germ, parasite, and treat scalp infections.


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Use Aloe Vera

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There are enzymes present in Aloe Vera directly influence healthy growth of your hair. Aloe Vera has alkalizing properties bring the scalp and hair’s pH balance to the required level and thus helps in hair growth.


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Fenugreek

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Fenugreek, which is commonly known as Methi in India, can treat hair loss. Hormone antecedents are present in Fenugreek seeds which help hair growth and rebuild hair follicles.


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Indian Gooseberry

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Indian Gooseberry which is commonly known as Amla in India. Indian gooseberry provides a high dose of vitamin C cheap nike air max 90 wholesale , which reduces the speed of hair loss.


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Beetroot

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Calcium, vitamins B and C, phosphorus, potassium, protein cheap nike air max 90 mens , and carbohydrates are present in beetroot juice. For healthy hair growth, all these nutrients are quite essential.


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Coconut Milk

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Essential fats and protein present in coconut milk prevent hair loss and promotes hair growth.


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Flaxseeds

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Omega-3 fatty acids are found in abundance in flaxseeds, which reduce the speed of hair loss and encourage hair growth.


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Licorice Root

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Licorice root opens the pores, soothe the scalp and removes irritations, which helps to prevent hair loss and hair damage.


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Chinese Hibiscus




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