A reverse mortgage loan is very much like a home equity loan. First we’ll look at the similarities between the two and then let’s discuss how to buy a home with a reverse mortgage.

First a reverse mortgage is a lump sum payment or annuity that is paid from a lender or insurance company to supplement or provide income. As the homeowner you repay the mortgage obligation when you sell or vacate the residence. When you die your estate is responsible to pay back the loan. The amount owed will never exceed the value of your home. If the home is sold and the proceeds exceed the amount owed, the excess money goes back to you or in the case of your death, your estate.

Further, when you buy a home with a reverse mortgage it is not considered taxable income and does not affect Social Security or Medicare benefits.

A home equity loan on the other hand, is a mortgage loan that is secured by the residual equity in your home. To calculate equity, you subtract mortgage debt from your home value. Home equity loans allow a homeowner to make repairs or other home improvements, refinance other debt, or use for miscellaneous purposes. Unlike a home equity line of credit, a home equity loan is an amortizing loan.

When you buy a home with a reverse mortgage you are paid either a lump sum amount or annuity based on the amount of equity in your home. For example, a monthly payment of $1,000 for the next 120 months would be a 10 year monthly annuity.

Aside from programs which help you buy a home with a reverse mortgage there are various other types of reverse mortgages. One type is for homeowners who want to tap into their equity but not draw out the entire amount. Here an annuity or lump sum would be paid out. Another reverse mortgage program is a home equity conversion mortgage. Affiliated with FHA (the Federal Housing Administration) this program combines the features of a home equity loan and a line of credit. Here you receive a fixed payment and can also draw on a credit line for additional cash.

The buy a home with a reverse mortgage program uses the new home as a source of repayment. You make a down payment and use the reverse mortgage loan for the rest of the home’s purchase price. You repay the loan with interest and other financing costs, when you sell the home, no longer use it as a primary residence, or in the case of your death, your estate would cover the outstanding loan. Most types of homes are eligible.

Tremendous growth in the housing market over the last few years has given many homeowners a considerable boast in equity. As a result, some of these homeowners are now looking to buy a home with a reverse mortgage.

Take for instance, the homeowners who purchased their homes in the early 1960’s for a modest price and now in their retirement years find their home has doubled or even tripled in value.

With this kind of equity to play with many homeowners are looking to buy a home with a reverse mortgage. This could be a country home or a cottage property. Or, the funds could even be used for luxury vacations, recreational vehicles, boats – you name it!

If you were to buy a home with a reverse mortgage you would be able to pay cash for the second ‘vacation’ home while continuing to live in your primary residence for as long as you wish or are able. Once you die, your primary residence would be sold to pay back your reverse mortgage loan, while the second home would become part of your estate.

To participate in these reverse mortgage programs, you and any co-borrowers must be at least age 62. In order to buy a home with a reverse mortgage you also must have no mortgage debt on your home. Further there are usually no income requirements to participate in the above mentioned programs.

According to Fannie Mae, a positive feature of reverse mortgage programs is that you’re never obligated for more than the loan balance or the value of the property, whichever is less; no assets other than the home are used to repay the debt. A reverse mortgage has neither a fixed maturity date nor a fixed mortgage amount.

If you’re seriously looking to buy a home with a reverse mortgage it’s important that you do your homework. Take the time to comparison shop between lenders. Seeking the advice of at least three reverse mortgage lenders is always wise.

This is reverse edit of classic Finnish humor song. There is some satanic messages here for sure:

Via Kuvien takaa

The daily, steamed appraisal waiting for
Porcelain and promise –
That I can show the plum-drum ritual of how
I think we all think of ourselves, and our lives
So well described on forearms and
Four legs.

I’d like to be remembered, at all times –
And is that selfish?
I want my eyes and cheeks longed after,
Put left-side along the brain where the gray flesh can
Exponentially warm it’s overlapping, flapping…
Flittering recollections of how I think I
Remember you.

But we don’t talk long enough to furnace
These thoughts, or have them
At all – but instead – and this is where my bruised skull
Has versed, traversed and gone reverse –
What we do instead: is nothing.

More than just a Scion xD, this completely revamped specimen features a built-in kitchen, complete with BBQ grill, sink w/reverse osmosis water filtration system, ice chest, fridge, cutting board, and dual Alpine 10-inch LCDs. Video after the break. Click here for first picture in gallery.

[via Seriouswheels]

Continue Reading

found @ www.techeblog.com

cure for infertility

The agent of herbal infertility analysis dates aback to age-old China to A.D. In China infertility of both men and women were auspiciously advised with assorted kinds of herbal cure for infertility concoctions. And the aftereffect was that couples anxious for a babyish were able to accept anon afterwards the analysis started. When approved medical procedures abort to annihilate infertility Cure For Infertility abounding couples opt for herbal Cure For Infertility infertility analysis of the affectionate accomplished in age-old China.

Let me account a few herbs which can advice Pregnancy Remedy in your infertility problems and let you accept a baby.

Black Cohosh

Used by Native Americans for bags of years to anticipate abortion it is Cure For Infertility accepted for its hormone acclimation furnishings due to the phyto-estrogen it contains. Pregnancy Remedy Phyto-estrogens are substances in plants that resemble the hormone estrogen and are anticipation to advice antithesis anatomy hormones.

False Unicorn Root Chamaelireum luteum

This assemble has balmy estrogenic properties. It is generally acclimated to amusement abortion of ovulation aching or aberrant periods pelvic bottleneck or deepening including salpingitis an infection of the fallopian tubes.

Evening Primrose Cure For Infertility Oil

Evening primrose oil the abbreviate anatomy of Pregnancy Cures which is EPO assists the anatomy in bearing abundant cervical fluid brings about advancement of pre-menstrual affection and additionally lowers cholesterol.

Women who ache from PMS are absolutely Pregnancy Remedy defective in blubbery acerbic – GLA or gamma linolenic acerbic which is present in EPO. And EPO additionally aids the anatomy to accomplish egg white Pregnancy Remedy cervical fungus which is stretchy clear adulterated and attenuate and facilitates the agent in pond through the uterus and entering the fallopian tube. Then the agent unites with the Pregnancy Cures egg.

It is during the aeon from menstruation to ovulation that a woman should booty EPO. EPO is conceivably the best herbal infertility analysis and abundance of women adulation to battery praises on it.

Ginseng

Male fertility macho abstention can be bigger with the advice of the assemble ginseng. Agent mobility agent count animal desires are added through the assimilation of ginseng and alike testosterone levels are raised.

These are alone some Pregnancy Cures of the able herbal infertility analysis that I accept described but there are cure for infertility affluence of others.

People using Hotmail can search for others using the same service via the Hotmail Search. This is known as a Reverse Email Search. Anyone that has a Hotmail account can search for other Hotmail email users. Hotmail’s search service is a free service offered by the company for anyone that has an email account with them. If you need to find someone’s email address and you feel that they are using Hotmail, sign up for one of their free accounts to use their search service.

Why would someone want to perform a Hotmail Search or a Reverse Email Search? For some, the answer includes simply finding out who has been sending you emails to your address. Everyone receives anonymous emails every now and then and a Reverse Email Search can help to figure out who is doing so and how to stop the emails from clogging up your inbox.

Sometimes, those emails coming in are being sent from people that you really do know and you actually need those emails. So, the Hotmail Search can help you obtain the name of the people sending you those emails. Now you can set your inbox to recognize those names and not send the emails to the spam section of the inbox.

When performing the search, make sure you have the email addresses or addresses handy to type into the search engine used by Hotmail. The search doesn’t take too much time out of your day to perform and for the most part the information you are looking for will be provided in the search results. But, there is a catch. Not every search will yield results that you are hoping for. When people sign up for email accounts and they don’t wish to be found, they will go to any extreme to hide their identity from the public so they cannot be found via an email search.

These types of information searches are completely legal and can be performed by anyone that has internet access to search engines. All you need is the email address of the person you are looking to identify. If you don’t want to perform the search on your own there is software available for purchase that you can install on your computer to help with a Reverse Email Search.

Not everyone is computer savvy and using software to perform the Hotmail Search can be just as effective as using Hotmail’s free service. It might even be a little more effective than the free service since you are paying for the software. Not all email searches will yield the results you are looking for but it is worth giving the search a try since it is free of charge via Hotmail.

Visit my website to learn more about Hotmail Search and Reverse Email Search. This is the best Hotmail Search or Reverse Email Search resource: http://emailfreereverse.com

Guide: ssh reverse tunneling with public key protection

This short guide is supposed to reflect one possible way of setting up a ssh reverse tunnel including protection trough private key.

The use case is that you (as an advisor) want to help someone else via the internet without having your user configuring his router (dsl connection expected as condition).
As a result, the user only needs to execute the command you send via email in a console (this guide only takes care of Linux at first).

I assume that you (as you follow my description) have local control of both machines (not necessary at the same time).
Additionaly I won’t create different key pairs for the HOST and the CLIENT.
I will add this to the guide on time, for now I expect you trust the user so far (also you just can block port forwarding on your router anyway).

In my further explanation, the CLIENT will be the machine of the user that needs help, where the HOST is the machine that you (or any other advisor) uses.

So here is the agenda of what to do in the order I did it.
Some steps depend on others but some don’t. I’ve tried to mention links as they approach.

These steps have to be done on both machines (due to the fact that you have two single connections).

1. Install SSH-client and -server

# USERNAME@MACHINE:~$ sudo aptitude install openssh-client openssh-server

2. Change ssh-server configuration using your preferred editor (I used pico because it’s gui)

# USERNAME@MACHINE:~$ sudo pico /etc/ssh/sshd_config

a) Set port for incoming ssh connection (default is 22) to a custom value between 10000 and 32000.
In this scenario use the same internal port for both CLIENT and SERVER)

Port 22 -> Port XXXXX

b) Deny root login

PermitRootLogin yes -> no

c) Deny login via password authentication

PasswordAuthentication yes -> no

d) Activate and set path+filename for public key (id_rsa.pub)
Note: the file “authorized_keys” is supposed to contain ALL public keys you need to have.
To make it easier in our case, and because we will use the same keys on both machines, I renamed it to id_rsa.pub (the name of the key by default)

#AuthorizedKeysFile %h/.ssh/authorized_keys -> AuthorizedKeysFile %h/.ssh/id_rsa.pub

3. Generate key pair (private and public key) in default folder (/home/USERNAME/.ssh)
The command generates the key pair (id_rsa / id_rsa.pub) if you use the default.

# USERNAME@MACHINE:~$ ssh-keygen -t rsa

At this point you should be able to establish a connection from CLIENT to HOST and the other way round.
This is highly recommended also to proof the finger-print of both machines and make them known to each other.

4. Connect CLIENT to HOST and the other way round

# USERNAME@MACHINE:~$ ssh USERNAMEHOST@HOSTNAME -p XXXXX
# USERNAME@MACHINE:~$ ssh USERNAMECLIENT@CLIENTNAME -p XXXXX

Now we have reached an important point of the setup. If this works out, HOST and CLIENT are known to each other and able to connect in via ssh using public key protection.
In any case of an error take a look at the logfile.

# USERNAME@MACHINE:~$ less /var/log/auth.log

You might need get back to the logfile at any time you connection doesn’t work.

Expecting the connection works both ways, we are don with the client expect that you shoud make sure the user can easily access the console to execute the command you will lateron send him (if he needs your help).
I usually set the key-shortcut for a new console to CRTL+ALT+T to make it easy, but placing a shortcut on the desktop or to any panel will also be fine.

The following steps are to be done when you are asked for assistance.
Especially the port forwarding should be deactivated after your work is done because of security reasons.

5. Find out your external IP address using web sites like www.what-is-my-ip.com.
Command to automatically read IP from one of these sites using grep will follow soon.

6. Set port forwarding to route external port XXXXX to internal port XXXXX.
For security set up the route to the fixed internal IP you machine uses and deactivate the route as soon as you’re done.

7. Create command to setup reverse tunnel for execution on your users machine (CLIENT).
The syntax uses another port for the reverse connection shown as YYYYY. Again, any port between 10000 and 32000 (execpt XXXXX).
Send this line (ideally in an encrypted email – it contains your username!) to your user and ask him to execute this command.

ssh -R YYYYY:localhost:XXXXX USERSERVER@PUBLICIPSERVER -p XXXXX

[PUBLICIPSERVER is your external (public) IP]

8. Connect the SERVER to the CLIENT using the reverse route on port YYYYY.

ssh USERCLIENT@localhost -p YYYYY

Now you should be able to have console access to you users machine. Easily check this running e.g. and df -h command.

Nostalgic feelings all over the place. Just found this baby ugly code but when I needed it it sure did it’s job. I even seem to have implemented some kind of rudimentary “social engineering’. When the wrong password is supplied to the bind shell it will respond with “FTP ACCESS DENIED”. Intention was to have people think it was some kind of FTP daemon, so if they attempted a brute force it would be wrong from the beginning.

The command execution shell

http://pastebin.com/f22735864

The bind shell

http://pastebin.com/f611f0ba2

The reverse shell

http://pastebin.com/f5e167b65

The Toronto stock market closed above 11,000 on Thursday as investor relief over U.S. economic growth helped claw back losses racked up during a four-day tumble.

After four days of declines, the Toronto Stock Exchange was sharply higher on Thursday.(CBC)

The S&P/TSX composite index surged 269.9 points to 11,075.2 after the U.S. Commerce Department reported that the country’s gross domestic product rose at a 3.5 per cent annualized pace during the July to September period, slightly better than the 3.3 per cent growth that economists had expected.

It was the first time the U.S. economy has grown since early 2008 and a sign the recession there has ended.

“I don’t know that it was convincing enough to make everyone feel good again,” said Ted Whitehead, vice-president and senior portfolio manager at MFC Global Investment Management, an asset-management firm with offices in Canada and the United States.

“We can’t keep stimulating the economy [and] with the consumer still strapped, people are kind of questioning what’s next.”

The Toronto market lost 248 points Wednesday, adding to a 728-point loss over four straight sessions after a disappointing report on sales of new U.S. homes helped ignite worries about the pace of a recovery.

The Canadian dollar closed up 1.00 cents to 93.72 cents US.

The December crude contract on the New York Mercantile Exchange rose $2.41 to finish trading at $79.87 US a barrel. On Tuesday, a report in the Financial Times newspaper suggested Saudi Arabia is moving to abandon the West Texas Intermediate oil contract as the benchmark for pricing its oil.

New York indexes also charged ahead, with the Dow Jones industrial average up 199.89 points to 9962.58.

The Nasdaq composite index climbed 37.94 points to 2097.55, while the S&P 500 index was up 23.48 points to 1066.11.

With files from The Canadian Press

3 months ‘unrealistic’ for clearing I-40 rock slideTSX off triple digits after GDP drop

Microsoft SDL – Developer Starter Kit.

MiniFuzz File Fuzzer

MiniFuzz is a basic testing tool designed to help detect code flaws that may expose security vulnerabilities in file-handling code. This tool creates multiple random variations of file content and feeds it to the application to exercise the code in an attempt to expose unexpected application behaviors.

BinScope Binary Analyzer

The BinScope Binary Analyzer is a Microsoft verification tool that analyzes binaries to ensure that they have been built in compliance with Microsoft’s Security Development Lifecycle (SDL) requirements and recommendations.  BinScope checks that SDL-required compiler/linker flags are being set, strong-named assemblies are in use, and up-to-date build tools are in place.

BinScope also reports on dangerous constructs that are prohibited or discouraged by the SDL (e.g. read/write shared sections and global function pointers).

SDL Process Template for VSTS

This template makes writing secure code easier by integrating the policy, process and tools of the SDL v4.1 directly into Visual Studio Team System 2008. It eases adoption of the SDL, enables auditable security requirements and status, and demonstrates security return on investment in a framework that is familiar to developers, testers, and program managers.

FxCop

FxCop is an application that analyzes managed code assemblies (code that targets the .NET Framework common language runtime) and reports information about the assemblies, such as possible design, localization, performance, and security improvements .

FxCop is intended for class library developers. However, anyone creating applications that should comply with the .NET Framework best practices will benefit.

SiteLock

SiteLock enables an ActiveX developer to restrict access to a control in a predetermined list of domains, or for a certain length of time. It includes a simple utility that displays the site list and expiration date of a site-locked control.

The SiteLock ATL template enables an ActiveX developer to restrict access so that a control is only deemed safe when used in a predetermined list of domains. This limits the ability of Web page authors to reuse the control for malicious purposes.

Code Analysis for C/C++ (/analyze in Visual Studio)

A static analysis tool that plows through source code one function at a time, and looks for C/C++ coding patterns and incorrect code usage that may indicate a programming error.

Code Analysis Tool .NET (CAT.NET) v1 CTP

CAT.NET is a binary code analysis tool that helps identify common variants of certain prevailing vulnerabilities that can give rise to common attack vectors such as Cross-Site Scripting (XSS), SQL Injection and XPath Injection. The tool can function as a plug-in for Visual Studio 2005/2008, FxCop custom rule, MSBuild custom task or through the command line prompt and analyzes compiled .NET binaries.

Banned.h

The banned.h header file is a sanitizing resource which supports the SDL requirement to remove banned functions from a code. It lists all banned APIs and allows any developer to locate them in a code.

SDL Process Guidance

SDL Threat Modeling Tool

SDL Tools Repository

The Amazing Adventures of Kevlarr and the SDL

SDL Optimization Model.

Akuma Love:
- Reverse!? tom 1 rozdział 2

BoysLove:
- Dog Style tom 1 rozdział 3
- Sex Pistols tom 1 rozdział 2
- Tsureteke Tengoku tom 1 rozdział 1
- Tsuyogari tom 1 rozdział 1

BoysLove & Hentai Neko-Land:
- Homemade Vampire (one-shot)

Akuma Love:
- Reverse!? tom 1 rozdział 1

Armed with a single cloth, the Brazilian graffiti artist Alexandre Orion Tagge by cleaning the walls blackened with pollution of a road tunnel in Sao Paulo. As part of its “Art Less Pollution”, the artist made as a negative tag, by subtraction and not by adding material. His face mask is not here intended to protect the paint fumes, but rather exhaust.  Sometimes considered a nuisance, graffiti is seen as a positive act designed to capture the city by enhancing, not in the degrading, also inviting us to reflect on the evils of urban pollution.

via:: alexandre orion

“Reverse Anthropomorphisis” – n. The process experienced by shameless tourists, involving a terrifying transformation from sun-cream sporting human beings to oversized rats, swarming popular tourist sites as though they were pieces of cheese supplied by apathetic scientists observing the social interactions of primitive beasts.

Uh-oh. Here’s an interesting rumour from my favourite conspiratory corner of the Web (ZeroHedge, of course). Apparently word has it that Bernanke & Co. were going to try some liquidity-sopping action with reverse repo’s, and lo and behold – it seems that the $100 billion target they were aiming from could not be satisfied, because assets held by their prefered counterparties weren’t liquid enough.

Uh-oh.

Maybe, just maybe, it was a bad idea to inject those gazillions of base-money into the banks, because it may be very tricky to get them out. Not only did the Federal Reserve do so by direct capital injections, they also did so by buying mortgage-backed securities at face value. Uhm, who is going to want that toxic junk back? People are asking why Bernanke doesn’t just use the “regular” tools for extracting liquidity (open market operations, primary rate and reserve requirements). The reason is that after the actions of the last 12 months, they no longer work.

Open market operations are going to be tricky, since it means selling off a lot of paper they have been buying. Longer-term interest rates will go up, mortgage-rates will go up, the market for mortgage-backed assets will turn even worse, etc. As for the primary rate and the reserve requirements these cannot be used, because then a few “too-big-to-fail”-banks will fail. Uh-oh. Why is that? Well, its quite simple actually. The large banks that haven’t written down gazillions in bad assets are depending on ultra-low rates to keep a constant flow of cheap money (0%) which they then extend at much higher rates to the public (30% on credit cards, has to be some sort of record), and they get a nice trickle of profits to cover the gaping holes in their balance sheets. The problem is that this may take about, oh say a “lost decade”, before the balance sheets are again solid.

Reserve requirements is an even more hilarious tool, just imagine what would happen right now if banks had to pony up more cash reserves relative to their balance sheet size. That would actually be the best way to kill off all bad banks. Thus, thats the idea that I’m rooting for. Rhetorical question : If Citibank or BofA topples over and falls, do they make a sound since the value on their balance sheets is actually 0? Or is it more like a “slushing sound” coming from a black hole?

Life is only understood backwards.

Et Encore Une !
Je Vous Présente les Reebok Reverse Jam Low and Mid Pink/Yellow
La Reverse Jam est modèle mythique du début des années 90 elle s’est imposée à une période où les héros Basket Ball étaient les idoles de toute une génération. Inspiration basket-ball donc pour un modèle qui se vendra à des millions d’exemplaires.
Actuellement, la Reverse Jam refaitparler d’elle, en se déclinant dans des coloris fluos affolants en passant par basiques noir et blanc.
Sur ce modèle on peut voir une inspiration graff avec des éclaboussures projetées sur les semelles.

Qu’en Pensez Vous ?

Nouvelle Passion Qui Ma Envahie Depuis Peu…
Voici quelques Une des Paires de Sneakers que je possède on y trouve des Nike / Reebok / D&G / et autre…
voici une photo d’ensemble et suivra par la suite tout les modèles présent détailler par modèle
donc reste connecter…

I recently discovered REVOLVEclothing.com’s online outlet, Reverse and can’ t believe I didn’t know about it earlier! The site offers real deals on a bevy of goodies, free returns (like its parent company), and $5 flat rate shipping on all orders. After some quick perusing, I’m excited to say that there are definitely some great finds!

Gaspard Yurkievich Scallop Back Heel (orig. $381, sale $141) I la-LOVE the orange detailing and scalloped back! Why, oh why can’t I be a size 8?!?

Susana Monaco Barathea Tie Coat (orig. $550, sale $193) I’m always on the lookout for perfect white coats and this one is absolutely gorgeous. The cropped sleeves and dainty collar are a perfect contrast to the more traditional winter coat.

MASON by Michelle Mason Belted Halter Dress (orig. $352, sale $124) A girl can never have too many black dresses! This would be an instant classic for a night out and the pockets and plunging neckline make it fun as well.

With so many options, this will quickly become one of my favorite online shopping destinations. Sample sale prices without the hassle of waiting for start times or worrying about no return policies!! Reverse is by invite-only so leave a comment if you would like one!

Bizegator is an online platform which brings buyers and sellers together under one hood so that buyers can directly negotiate and buy products from the sellers.

In this platform, as a buyer you can enjoy access to a large range of sellers, discounted prices and ease of negotiation. From a Seller perspective,

you can get access to thousands of new customers; increase your sales, visibility and better sales conversions without any marketing cost.

Bizegator.com mainly uses the concept of reverse auction and e-negotiation. As you post your requirement, sellers’ start to out bid each other in order to win your business. You decide which seller or service provider is the winner of your business and in this manner you get the best deal against your requirements.

The platform also allows buyers to make payments offline directly to sellers after seeing the product.

Bizegator offers a variety of products and services which caters to all requirements for Travel, Hotels, Electronics, Computers, Phones, Home Appliances, Cameras, Office Supplies and Services.

Bizegator.com is an offering by Mumbai based company named Aurus IT Solutions. Currently, this service is functional for Mumbai and will soon be reaching all other cities of India.