2019 Autumn Retirement Lifestyle Guide

Retirement Lifestyle Guide Autumn 2019

Introduction

The return of Autumn brings to mind many things: the start of a new school year, breathtaking foliage, cozy days, and crisp nights. But most of all it presents the perfect opportunity to spend time with family and friends, because there is no shortage of spectacular fall activities to enjoy. Our Autumn Retirement Lifestyle Guide offers unique ways to enjoy the most colorful season of the year—from going back to school in retirement (while remaining within your budget), to creating new memories through low-cost activities, and making a lasting family legacy. Whether you are already in or nearing retirement, this guide has something for everyone. May it help you to retire more freely and make this season one to remember!

Happy Autumn!

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“ Every leaf speaks bliss tome, fluttering from the autumn tree . ” —Emily Bronte

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Table of Contents

FIVE PLACES TO VISIT THIS FALL . ..................................................................................... 3

SLEEPING BETTER IN RETIREMENT .................................................................................. 5

A LASTING FAMILY LEGACY .......................................................................................................... 7

PAYING FOR HEALTHCARE IN RETIREMENT ................................................................ 9

LOW-COST FALL ACTIVITIES .............................................................................................. 11

RETURNING TO SCHOOL IN RETIREMENT .................................................................. 13

CAN YOURMARRIAGE SURVIVE RETIREMENT? ........................................................ 15

OBSERVING VETERANS DAY ............................................................................................. 17

COMFORT FOOD RECIPE: POTSY’S CHERRY DUMP CAKE ..................................... 19

A DATE TO REMEMBER ..................................................................................................... 20

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RETIRED? 5 places in the U.S. you will want

O ne of the best parts about being retired is having the time to travel. And there is no better time to plan a road trip than in the fall, when kids are back in school, the temperature is starting to cool down, and places are less crowded. If you are looking to take advantage of this time of year and plan an autumn getaway, here are a few places you might want to check out.

San Francisco, California September to November in San Francisco offer some of the city’s warmest weather and lots of activities. Don’t miss the Hardly Strictly Bluegrass Festival at Golden Gate Park or Fleet Week San Francisco down at Fisherman’s Wharf. If you are a wine aficionado, or just enjoy beautiful vistas, you might want to take a day trip to Napa Valley and Sonoma Wine Country . Plus, there are bay cruises and bicycle riding, museums like the San Francisco Museum of Modern Art (SFMOMA), and harvest festivals throughout the season. Grand Canyon National Park, Arizona With over 200 miles of majestic beauty, it’s widely believed that every American should visit the Grand Canyon at least once. During the fall, most families are back in school and Arizona is starting to cool down. Some of the most well- known attractions of the park are the North and South Rim, the Grand Canyon Skywalk and the Grand Canyon Walkway. The Grand Canyon also offers a variety of guided shuttle and bus tours. In addition to the scenery, there are natural history museums, state park centers and picnic areas throughout the park. Discounts for older visitors are available for the National Park entrance fee, most museums and many hotels. If you are 62 or older, you qualify for the America the Beautiful Senior Pass .

Asheville, North Carolina Located off the Blue Ridge Parkway, Asheville is known as one of the best places to view fall foliage anywhere in the United States. With more than 100 species of deciduous trees, it has one of the longest and most vibrant fall seasons. Known for its art scene, this city also boasts hundreds of studios and galleries. Visit the Folk Art Center on the Blue Ridge Parkway for traditional Appalachian arts and crafts like pottery, baskets and wood carvings. The Madison Heritage Arts Festival in October celebrates regional music and dance and is a must see for tourists. And make sure to take a tour of the historic Biltmore estate, and plan to spend a leisurely amount of time there. Built by George W. Vanderbilt in 1895, it is America’s largest home!

*Not applicable in all states; some states may impose a higher age requirement. Visit www.reversefunding.com/equity-elite for details.

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to visit this Autumn

Washington, DC If you are looking for a more metropolitan adventure, nothing beats Washington, DC . The colors of the leaves are changing, and the temperature is falling. Tourists are on their way back home, leaving behind museums and monuments to be explored. From free festivals and museums to beautiful foliage, there is no shortage of things to do in DC. Choose a traditional DC adventure and take in the sights along the National Mall , visit the White House and the Lincoln Memorial , or tour the Smithsonian , with its 19-world-class museums, galleries, gardens and even a zoo. Or sample the city’s urban scene and catch a must-see concert and join in an Oktoberfest in one of the great beer gardens and breweries around the district.

The Catskills, New York More than just the setting for the movie Dirty Dancing , the Catskills is a popular vacation spot for leaf peepers. Just two hours north of New York City, the Catskills bring brilliant fall foliage together with wineries, farmers markets and pick-your-own orchards. Home to six major river systems and 35 mountain peaks, there are many ways to enjoy the Catskills, from hiking the great outdoors to enjoying a scenic drive. Don’t forget to check out the fall festivals and celebrations like Oktoberfest at Hunter Mountain, the Delaware County Woodsmen’s Festival or the Annual Rosendale Pickle Festival!

Wherever you go, enjoy fall! There are plenty of places to go to enjoy fall activities and beautiful scenery during the season. If cash flow is a concern, there are options available to you based on your needs. A reverse mortgage may be a smart choice if you’re a homeowner age 60* or older. A special type of home loan designed specifically for people who are in or approaching retirement, it allows you to turn some of the equity in your home into funds you can use as you choose, and give yourself more financial freedom and flexibility.

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REST ASSURED: 5 tips for better sleep in ret

A ccording to the U.S. Centers for Disease Control , one in three adults don’t get enough sleep each night. And for Americans between the ages of 55 and 64, 36% are not getting the recommended seven to nine hours of sleep. If you’re approaching retirement, you may be thinking this issue will fix itself. After all, you’ll be able to sleep all you want, right?

Not exactly. It depends on what’s keeping you froma restful night’s sleep. Of course, if work worries are the culprit, you can say goodbye to those. If it’s something else (like an environmental or health issue), youmay have to dig a bit deeper. As for sleeping the day away, research has consistently shown that maintaining a regular sleep routine is critical to bothmental and physical health.

If you’re looking for more energized days and restful nights, consider these tips:

1. Take a walk. You already know the benefits of exercising for your heart health . But, physical activity also releases chemicals in the body that promote better quality sleep. According to the National Sleep Foundation , 150 minutes of exercise a week (which averages out to less than a half-hour a day) can provide a 65% improvement in sleep. Make it a priority to head out daily for a brisk walk, hike or bike ride, or hit the gym to try out a new class.

2. Wind down. Just because you’re retired doesn’t mean an end to busy and sometimes chaotic days. About an hour before lights out, spend some spend some time unplugging and relaxing, such as meditating, reading a book or listening to soft music. Studies reveal that watching TV or using a computer, smartphone or tablet before bed can prolong wakefulness, delay the circadian clock, suppress melatonin and decrease your vital REM (rapid eye-movement) sleep—all of which can reduce morning alertness.

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rement

3. Squeeze in a nap. Naps aren’t just for children under five. People of all ages can benefit from the brain-boosting and fatigue-reducing effects from as little as 30 minutes of daytime shut-eye. While they can’t replace lost sleep at night, naps can give you the energy you need to make it until bedtime. 4. Make sure your bedroom is sleep-friendly. It might seem like a no-brainer, but if the light from your spouse’s reading lamp is on, your mattress is lumpy or the temperature is making it harder to get comfortable, you could be sabotaging your sleep right from the start. Sleep aids like eye masks, ear plugs or extra pillows and blankets can go a long way in helping your doze off. 5. Get out of bed. If you find yourself tossing and turning for more than 15 minutes, get out of bed. Grab a warm beverage, turn on soft music or pick up a book. Resist turning on the TV or scrolling through your phone—those choices will only make it tougher to get back to sleep. After so many years of sticking to a regular work schedule, it might seem ironic that you still need to follow a sleep routine. But developing and maintaining regular sleep habits will help you wake up feeling more invigorated, so you can enjoy each day of retirement to the fullest.

Are your finances keeping you up at night? Thirty-six percent of people lose sleep over money-related matters. But luckily for older homeowners and homebuyers, there are unique financial tools that can help you free up extra funds when you need them. A reverse mortgage is a type of loan exclusively available to homeowners and homebuyers age 60 and older, allowing you to borrow against the equity in your home.* In doing so, it provides funds that you can use today, or a line of credit that will be there when you need it—all while you continue to live in and own your home. As with any mortgage, you must meet your loan obligations, keeping current with property taxes, insurance, and maintenance.

“ Autumn leaves and pumpkins, please. ” —Unknown

*Not applicable in all states; some states may impose a higher age requirement. Visit www.reversefunding.com/equity-elite for details.

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A LASTING FAMILY LEGACY: Don’t wait until A legacy is not only about what you’ve earned financially—it’s the wisdom you’ve gained and experiences you’ve had over the course of a lifetime, and want to share with the ones you love. While possessions and inheritances are important, passing along personal and family history and memories is the most meaningful legacy you can leave your heirs. So, what will you leave behind to impact the next generation?

Determining your legacy: What matters most to you and yours What’s important to you? What do you value? How do you want your life to touch others? Here are some of the ways you can be remembered: Collect family recipes. When missing a loved one around the holidays, traditional recipes handed down from generation to generation can be a great sense of comfort. Put together a book or binder of time-tested family recipes to be treasured for years to come. Make personalized photo albums or scrapbooks. Think of all the holidays and milestones celebrated, exciting trips you may have taken, or special events you enjoyed with family. Put together your favorite photos, along with mementos, tickets stubs, itineraries and descriptions to create a tangible book of memories that your family can look back on. Keep a journal. You don’t have to be a fabulous writer to keep a record of what’s going on in your daily life. Jot down achievements, likes and dislikes, even random thoughts about the day’s news or events so your family can look back on moments big and small.

Put together a video. Have a story to tell or knowledge to pass on? Make a video recording that your family can refer to for laughs or helpful advice. Hate being on camera? Record and save audio snippets on your smartphone or other recording device. Most importantly, live your legacy. Include family members in your activities now . Share the activities you love to do, and continue to build even more cherished memories.

*Not applicable in all states; some states may impose a higher age requirement. Visit www.reversefunding.com/equity-elite for details.

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it’s too late

Inevitably, legacy planning will also involve ensuring the assets you’ve worked so hard for— like the equity in your home—have the impact you desire, before and after you pass away. A reverse mortgage is a loan option exclusively available to homeowners and homebuyers age 60 and older.* It allows you to borrow against the equity in your home, providing funds that you can use today, or a line of credit that will be there when you need it—all while you continue to live in and own your home, and keep making memories in familiar surroundings. As with any mortgage, you must also meet your loan obligations, keeping current with property taxes, insurance, and maintenance.

Get the conversation going The next time you’re hanging out with family, don’t miss the opportunity to reach out and capture information. Whether you’re the interviewer or the interviewee, use prompts like these to get your creative juices flowing: n  What is your all-time favorite song and why? n  What’s your earliest childhood memory? n  Tell us about your favorite teacher or coach. n  How did you meet your spouse or significant other? n  Have you ever done a good deed for a stranger? n  Describe your favorite holiday—what made it so memorable? n  Which family tradition would you like your family to continue?

“ Fall in love with moments, the ones that autumnmakes just for you. ” —Unknown

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SMART OPTIONS for paying for healthcare in retirement

T hanks to ongoing advances inmedical care, people are living longer than ever before. But that longevity comes with a cost. According to the U.S. Department of Health and Human Services , roughly 70 percent of Americans over age 65 will require some type of long-term care services in their lives—costing potentially hundreds of thousands of dollars. And as healthcare costs continue to rise, unforeseenmedical needs can easily derail a family’s retirement plans without a smart financial strategy.

Thinking ahead about future health costs Whether you’re planning for your parents or thinking about your own retirement, it’s important to consider how you’ll fund a post-retirement lifestyle—including paying for healthcare. How much will you need to save? How much should you be prepared to spend on insurance premiums and the care itself? It can seem overwhelming, but you can check out AARP’s customized calculator to ballpark your costs. To help manage healthcare expenses in retirement, many people consider options like these:

that you or a loved one will medically qualify for coverage. LTCI often works best when purchased at age mid-50. A traditional home equity line of credit: While a conventional home loan can provide the capital to pay off debts, make home repairs and help cover medical costs, it requires Reverse mortgage loan: An often-overlooked option is a reverse mortgage loan . Practically speaking, a reverse mortgage can give you access to a new source a minimum monthly payment on any funds taken—which in time could become burdensome. of funds without the time-sensitive restraints of long-term care insurance, or the limitations of a conventional home equity loan. It’s very similar to a traditional home equity loan or home equity line of credit, but it’s designed with the needs of older adults in mind, and offers much more flexibility. $ $ $

Long-term care insurance (LTCI): LTCI may be the logical choice for many older Americans, as the funds can be used in a variety of ways— from assistance with daily activities

to skilled care provided by medical professionals. But with LTCI, premiums increase with age. And each year after age 60, it becomes less likely

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Sleep easier about covering future healthcare costs Figuring out how to pay your medical bills as a retiree doesn’t have to be stressful. A reverse mortgage is a type of loan exclusively available to homeowners and homebuyers age 60* and older, allowing you to borrow against the equity in your home. In doing so, it provides funds that you can use today, or a line of credit that will be there when you need it—all while you continue to live in and own your home. As with any mortgage, you must meet your loan obligations, keeping current with property taxes, insurance, and maintenance.

The benefits of a reverse mortgage loan The reverse mortgage loan can support your healthcare needs and so much more. Similar to a traditional home equity loan or home equity line of credit, a reverse mortgage provides access to funds that can be used as needed to cover retirement healthcare costs, including:

For example: A married couple can use a reverse mortgage line of credit to pay for any care that’s required outside of the home—temporary or permanent—providing one borrowing spouse continues to live in the home as their primary residence. They will receive funds to help pay for the one spouse’s long-term nursing home care or assisted living expenses, and the line of credit is still available if one borrowing spouse outlives the other. One big advantage of a reverse mortgage is its flexible repayment feature: No principal and interest payments are required until the last surviving borrower passes away or moves out. However, you can opt to pay down your principal and interest if and when you choose; no pre- payment penalties apply. As with any mortgage, you must meet your loan obligations, keeping current with property taxes, insurance and maintenance.

n  Monthly prescription bills

n  Care not covered by major medical insurance n  Medical and non-medical in-home care, such as a physical therapist or home health aide

n  An alternative or supplement to your long-term care policy

Considering that healthcare needs often arise from unexpected events—a heart attack, stroke or fall— a reverse mortgage line of credit can help you build a more comprehensive financial defense against the unknown.

*Not applicable in all states; some states may impose a higher age requirement. Visit www.reversefunding.com/equity-elite for details.

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TAKE ADVANTAGE OF low-cost fall activities,

A ccording to AAA , 28% of Americans are planning a fall getaway. But if traveling out of town isn’t in your budget right now, there are plenty of fun family day trips and weekend activities that can keep you active without breaking the bank. Here are five affordable ways to have a good time this autumn: Go picking: Apples or pumpkins—It’s that time of year to head out to the pumpkin patch or apple orchard. Seek out farms with no admission fee where you just pay for what you pick. During the fall months, many venues also offer hay rides, corn mazes and other seasonal activities, so you can make a day out of your visit. And with apples and pumpkins, the fun continues when you get home; carve jack o’lanterns, roast pumpkin seeds, bake an apple pie or make your own cider .

Take a hike— Sure, you can go hiking any time of year. But now you can enjoy the crisp temperatures, and depending on where you live, vibrant fall foliage. Look up local trail s. Most parks and nature reserves have paths for all levels with varying distances to meet your comfort level. Bring your spouse or a friend to enjoy the scenery while you get some fresh air and exercise before the bustle of the holiday season. Check out local festivals— The cool weather is perfect for outdoor festivals. From street fairs and harvest festivals to Oktoberfests and more, look for nearby events with free or low-cost admission. Get outside, bring the family and check out the invigorating smells, tastes and sights of the fall.

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while staying within your budget

Watch a football game— Whether it’s high school, college or pro, football is the sport of the season. Round up some friends and catch a televised game at a bar or restaurant in town, or host a potluck viewing party to root on your favorite team. If you want live action, splurge on tickets. If you wait a few days before the game, you may just score tickets at a bargain price. Organize a neighborhood food drive— During the summer and early fall, food pantries and other charitable organizations often run short on supplies. Make a difference in your community by organizing a food collection drive to support your local organization. Ask the food pantry manager what items are most in need and recruit volunteers for various roles—getting the word out, picking up donations, soliciting local businesses to serve as drop-off points, delivering to the food pantry and more. Giving back feels so good, you may find yourself inspired to make it an annual event.

Don’t nickel and dime your fall fun

There are plenty of affordable fall activities, but there are also financial opportunities available to help ensure your leisure time is covered. A reverse mortgage loan is a great financing choice for retirees. Exclusively available to homeowners and homebuyers age 60 and older,* a reverse mortgage loan allows you to borrow against the equity in your home, giving you access to cash today, or a line of credit that’s there when you need it. As with any mortgage, you must meet your loan obligations, keeping current with property taxes, insurance, and maintenance.

*Not applicable in all states; some states may impose a higher age requirement. Visit www.reversefunding.com/equity-elite for details.

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RETURNING TO SCHOOL IN RETIREMENT: T Millennials and Generation Z aren’t the only demographics gearing up for the start of a new school year. Plenty of Baby Boomers are preparing for the fall semester of college, with some enrolling for the first time ever. USA Today reports that 388,000

The true value of higher education So, why are Baby Boomers hitting the books during retirement? For many, it’s the opportunity to explore a subject they love, but never had to the time to learn about during their working years. For others, it’s about staying marketable. students over the age of 50 are enrolled in community colleges, accounting for roughly 6%of the total community college population across the country. And those numbers are only expected to grow.

Sidestepping student loan debt For retirees with the time and ambition, going back to school may be an appealing option. And many colleges are meeting that demand with special programs aimed at a more mature student body.

Across the country, colleges and universities are offering exclusive programs to make college classes affordable to retirees. At the University of Minnesota , for example, the Senior Citizen Education Program gives Minnesota residents age 62 and older the opportunity to attend classes for $10 or less. Kent State University 's Senior Guest

Many older Americans are retiring, but not necessarily leaving the workforce. Studies show that up to 85% plan to work into their 70s and even 80s. As of February

2019, 20% of Americans over the age of 65 —a total of 10.6 million people—are either working or looking for work. Going back to school can be a positive step to update your skillset, stay mentally sharp, receive additional training in your field, and maintain financial security for a more comfortable retirement.

Program admits Ohio retirees, space permitting, to audit classes (take them without the benefit of a grade or credit) at no charge. Florida Atlantic University’s Lifelong Learning Society offers the largest adult continuing education program

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ABCs of keeping costs down in the United States, serving over 25,000 new registrants each year. And Rutgers University allows retired New Jersey residents 62 and older to audit courses for free during the spring and fall semesters.

Whatever you do, don’t let finances stop you If you don’t have the extra funds available, or simply don’t qualify for available programs or aid, a reverse mortgage can be a smart financial tool to help offset the costs of continuing your education—whether it’s to cover substantial tuition expenses, or to help compensate for having a reduced income while you pursue your education (or both). Available to homeowners age 60 or older,** a reverse mortgage loan lets you borrow against your home equity, while still retaining ownership of your home and the equity in it. You can choose to receive a lump-sum amount, monthly advances, or a line of credit to help supplement your retirement savings and maintain the lifestyle you’ve earned. † As with any mortgage, there are loan obligations that must be met, including keeping current with property taxes, insurance and maintenance.

Of course, you’re not limited to these schools to get a good deal on your education—they’re just a few examples. AARP recommends the following tips to make the most of your financial options: Complete the Free Application for Federal Student Aid (FAFSA) . There may be federal aid for the taking, from Stafford and Plus loans to Pell grants. Set up a 529 account . You may receive a state tax deduction and a chance to earn tax-free growth.* Seek a tax break . The Lifetime Learning Tax Credit, for example, is worth up to $2,000 per year for those who qualify.* Apply for scholarship s. Check out StudentScholarshipSearch and Fastweb to search for scholarships aimed at older adults. College tuition can be prohibitively expensive. According to Student Loan Hero , 69% of 2018 graduates owe almost $30,000 in student loan debt—not an expense you want to be paying off during retirement. Be sure to contact the colleges or universities in your area to see what cost-saving opportunities are available. n n n n

“ All at once, summer collapsed into fall. ” —Oscar Wilde

*Not tax advice, consult a financial professional. **Not applicable in all states; some states may impose a higher age requirement. Visit www.reversefunding.com/equity-elite for details. † Borrowers who elect a fixed rate loan will receive a single disbursement lump sum payment. Other payment options are available only for adjustable rate mortgages

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CAN YOUR MARRIAGE SURVIVE RETIREME

F or many people, retirement means free time to pursue new hobbies, travel or spend with

their grandchildren. But for some couples, it can alsomean spending day after day in close proximity to a spouse or partner as they grapple with the reality of the new normal. When couples aren’t accustomed to being together all day, retirement can disrupt daily routines and ruffle feathers. So it’s no surprise that divorce after 50 is on the rise. In 2017, the PewResearch Center reported an increase of 109% from 1990 to 2015 for this age group. Even happily paired couples have their challenges. But it’s better to face themhead-on before minor annoyances turn intomajor struggles. Planning ahead can help keep the drama at bay—and save your relationship frombecoming a statistic.

Start the discussion early. Talk to your partner and create realistic expectations about how you envision your post- retirement lives. Waiting until after retirement to open the communication channels can make spouses resentful of one another if their lifestyle plans don’t align. 1 Eliminate ambiguity. What individual activities do you and your spouse hope to pursue? Keep a calendar so there are no surprises when someone has plans. When it comes to running the household, lay the groundwork for what’s expected of each person—whether that’s taking over some chores or running more errands now that you both have extra free time. 2

Renew your purpose. Retirement is a great opportunity to spend quality time with your family, but you also need to schedule time for solo activities that you enjoy. Consider volunteer work , a hobby or a part-time job to give yourself a fresh sense of purpose. 3

4

Maintain some separate friendships. Individual friendships can help you maintain your own identity. Don’t feel

obligated to invite your partner to every football game or book club meeting if it’s not something they’re typically interested in. Your emotional well- being is important, and the time you spend away from one another will give you something to talk about when you regroup at the end of the day.

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T? 7 tips for drama-free living

Establish your own space. Couples need individual space—especially during retirement. Set aside a room or a space in the basement where you can go to pursue your hobby without stepping on any toes. The alone time will also make you less likely to get on each other’s nerves. 5 Reset a retirement gone wrong. If plans aren’t working out as expected, don’t hesitate to go back to the drawing board. Couples should openly discuss what is and what isn’t working for them—without judgement— then create a plan that works for both. If you can’t reach common ground, consider a counselor or life coach who can offer neutral feedback. 6

Transitioning to the next phase of your life. Couples can expect to hit some bumps in the road during retirement. But don’t let your cash flow be one of them. A reverse mortgage may be a sensible option to help alleviate the financial worries and unexpected expenses that can spring up during retirement. Available to homeowners and homebuyers age 60* and older, this type of loan allows you to borrow against the equity in your home, while you still own and live in it. As with any mortgage, you must meet your loan obligations, keeping current with property taxes, insurance and maintenance. Reverse mortgages aren’t right for everyone, so it’s wise to explore all your options. 7

“ I’m so glad I live in a world where there are Octobers. ” — L. M. Montgomery

*Not applicable in all states; some states may impose a higher age requirement. Visit www.reversefunding.com/equity-elite for details.

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5 WAYS you can honor members of the Ar I n 2017, there were 18.2 million veterans living in the United States, with roughly 50% of those veterans being over the age of 65. These brave men and women can be found among our grandfathers, grandmothers, parents, sisters, and brothers. And, every year on November 11th, we take the time to honor and thank them for the sacrifices they’ve made to protect our country.

Originally founded in 1919, a year after the end of World War I, Veteran’s Day (or Armistice Day as it was then known), became a national holiday that recognizes all American veterans living or dead and the sacrifices they have made. Whether you are a veteran, know a veteran, or just want to show your support, you can spend November 11th honoring those who served or are still serving our country. Here are 5 ways how:

3. Spend some time with a veteran And speaking of brightening a veteran’s day, why not spend the day with a vet? Take them out for a cup of coffee at a popular coffee house or dinner at their favorite restaurant. You can prepare some questions about their time in the military (although be sensitive to the fact that they may not want to talk about it). Most of all, remember that this time is about them! 4. Observe the national Two Minutes of Silence Wherever you are at 2:11 PM EST, take two minutes to reflect on the impact that the men and women of the armed forces have had on our country. If you know a veteran, think about the difference they have made in your life. This two-minute period takes place at the same time nationally, but different times depending on individual time zones.

1. Fly a flag Even if you are not a veteran, consider displaying a flag to show your support for the veterans in your community or around the country. Hanging a flag outside of your house (or wearing one on your lapel) is a time-honored way of showing your pride and gratitude for our service members. If you are going to have an outdoor flag, be sure to observe proper flag etiquette . 2. Simply say thank you If you know a veteran, take the time to say thank you for their service. A simple phone call to let someone know you are thinking about them can go a long way. Or, if you have more time, send a handwritten thank you note or care package. This gesture may not seem like a lot to you, but it could make all the difference in the day of a veteran.

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d Forces on Veterans Day

Stand United this Veterans Day It doesn’t matter if you have five minutes or five hours to spare, you can make a huge difference in a veteran’s life this November 11th. Remember, it’s not so much about what you do but that you make the effort to do something. These brave men and women have sacrificed so much for our country and enabled us to enjoy the freedoms that we have. Take some time this year to remember them on this special day.

5. Be part of the #BeThere Campaign

According to research , for veterans age 55 to 74 years old, the rate of suicide is 26 per 100,000. The #BeThere initiative, launched by the US Department of Veterans Affairs, brings awareness to the number of veterans who have taken their own lives. The #BeThere campaign reminds people that everyday people can make a difference in preventing suicide by doing things like calling an old friend or checking in with a neighbor.

“ You're never too old to play in the leaves . ” —Unknown

*Not tax advice, consult a financial professional. † Borrowers who elect a fixed rate loan will receive a single disbursement lump sum payment. Other payment options are available only for adjustable rate mortgages.

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COMFORT FOOD RECIPE: POTSY’S CHERRY DUMP CAKE Submitted by Dorothy Kuchler For an easy dessert that is always a treat, try Potsy’s Cherry Dump Cake! Mix it up by using ramekins to create single serve portions. As with most desserts, it’s great with vanilla ice cream!

Dorothy Kuchler and her daughter, Noelle. We're so lucky to have a fan like Dorothy to share her photo/recipe with us!

Ingredients 2 (20 oz) cans of cherry pie filling 1 package of yellow cake mix 1 stick of butter

Directions: 1. Preheat oven to 350 degrees 2. Grease a 13x9 inch pan with cooking spray 3. Pour cherry pie filling in pan 4. Sprinkle cake mix evenly over cherry pie filling 5. Slice the butter into small pats and spread them out evenly over the top of the cake mix 6. Bake in oven for 35–40 minutes until golden brown and bubbly

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A DATE to Remember

OCTOBER 1 International Day for Older Persons 8 Yom Kippur 14 Columbus Day 27 Diwali

SEPTEMBER 2 Labor Day 8 Grandparent's Day 11 Patriot Day 23 Autumn Equinox Fall begins! 29 Rosh Hashanah begins at sundown

NOVEMBER 3 Daylight Saving

11 Veterans Day 13 Caregiver Appreciation Day 21 Great American Smokeout 28 Thanksgiving

31 Halloween

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98% Customer Satisfaction rating as of June 2019. LendingTree ratings as of July 29, 2019 This information is intended for those who are interested in financial education. This information is provided for convenience only, and RMF make no warranties concerning the accuracy or completeness of any of the information. Information is subject to change without notice, and RMF is under no obligation to provide updated information. Materials or statements made by a third party and located or posted on the Site are those of the third party and do not necessarily reflect the official policy or position of RMF. This is not financial, tax, compliance or legal advice and should not be taken or relied upon as such. Each individual should consult with his/her financial, tax, or legal professional. All mortgage origination services are provided by Reverse Mortgage Funding LLC, a state licensed mortgage lender, which is licensed or otherwise exempt from state licensing in the states in which it originates mortgage loans. ' This material has not been reviewed, approved or issued by HUD, FHA or any government agency. The company is not affiliated with or acting on behalf of or at the direction of HUD/FHA or any other government agency. Equity Elite Reverse Mortgage (“Equity Elite”) is Reverse Mortgage Funding LLC’s proprietary loan program, and it is not affiliated with the Home Equity Conversion Mortgage (HECM) loan program, which is insured by FHA. Equity Elite is available to qualified borrowers who also may be eligible for HUD, FHA’s HECM program or are seeking loan proceeds that are higher than HUD, FHA’s HECM program limit. Equity Elite currently is available only for eligible properties in select states. Please contact your loan originator to see if it is currently available in your state. Upon a maturity event, any non-borrowing individuals with an ownership interest in the property, including non- borrowing spouses, will have 90 days to purchase the property from the estate or, if the non-borrower inherits the property, pay the loan in full using any sources of funds available to them. Any non-borrowing individual, including a non-borrowing spouse, should have a plan to pay off an Equity Elite reverse mortgage upon the borrower’s death or any other maturity event. If the non-borrower is unwilling or unable to purchase the property or pay the loan in full, there is no protection for the non-borrower (including a non-borrower spouse) to maintain an interest in the home or to continue residing in the home past the maturity event and the non-borrower may be evicted upon foreclosure . The FHA HECM program has protections in place for certain non-borrowing parties, so a reverse mortgage applicant with certain non-borrowing parties should strongly consider a FHA-insured HECM loan (see HECM guidelines or ask an RMF representative for details). Under the Equity Elite reverse mortgage loan program, a maturity and/or default event occurs when the last surviving borrower no longer lives in the home as his or her primary residence for at least 12 months, the property charges (including taxes, insurance, or any other property charges) are not paid, required repairs are not completed or the property is not maintained, or any other maturity and/or default event, as specified in the Security Instrument, occurs. Charges such as an origination fee, mortgage insurance premiums, closing costs and/or servicing fees, if applicable, may be assessed and will be added to the loan balance. As long as you comply with the terms of the loan, you retain title until you sell or transfer the property, and, therefore, you are responsible for paying property taxes, insurance and maintenance. Failing to pay these amounts may cause the loan to become immediately due and/or subject the property to a tax lien, other encumbrance or foreclosure. The loan balance grows over time, and interest is added to that balance. Interest on a reverse mortgage is not deductible from your income tax until you repay all or part of the interest on the loan. Although the loan is non-recourse, at the maturity of the loan, the lender will have a claim against your property and you or your heirs may need to sell the property in order to repay the loan, or use other assets to repay the loan in order to retain the property. ©2019 Reverse Mortgage Funding LLC, 1455 Broad Street, 2nd Floor, Bloomfield, NJ 07003, 1-888-494-0882. Company NMLS ID #1019941. For licensing information go to: www.nmlsconsumeraccess.org. Arizona Mortgage Banker License #0927682; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; Loans made or arranged pursuant to a California Financing Law license Georgia Mortgage Lender Licensee #36793; Massachusetts Mortgage Lender License #ML1019941; Licensed by the New Jersey Department of Banking & Insurance; Licensed Mortgage Banker-NYS Department of Financial Services-in-state branch address 700 Corporate Blvd, Newburgh, NY 12550; Rhode Island Licensed Lender; Texas Mortgage Banker Registration in- state branch address 6044 Gateway East, Suite 236, El Paso, TX 79905. Not all products and options are available in all states. Terms subject to change without notice. Certain conditions and fees apply. This is not a loan commitment. All loans subject to approval. L2901-Exp082020

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