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As a follow-up to Tuesday’s post about the majority-minority public schools in Oslo, the following brief account reports the latest statistics on the cultural enrichment of schools in Austria. Vienna is the most fully enriched location, and seems to be in roughly the same situation as Oslo. Many thanks to Hermes for the translation from Unzensuriert.at:

The Private Option . There is another alternative to the standard reverse mortgage that in many instances better meets the needs and goals of older homeowners – the private reverse mortgage. This is a private loan, usually from a family member, to the homeowner secured by a mortgage on the senior’s home.

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Snapshot of reverse mortgage complaints December 2011 – December 2014. 2 The line of credit and monthly payment options may be combined. Id. 3.. proprietary reverse mortgages vary by state. CFPB, 2012 CFPB Report To Congress on Reverse

on proprietary reverse mortgages proprietary reverse mortgages may not offer different payment options. If the proprietary product offers different payment plans, the lender may prohibit the borrower from changing the payment plan, or require the borrower to pay a fee to change plans. PROTCL 5.D.3.e Lender Establishment of the Monthly Payment.

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