Stay at home. Make $60,000 a year. Be your own boss. No training required.

The latest iProduct. That perfect pair of pumps. The big screen T.V. that you simply must have.

Raise your hand if your New Year’s resolution is to start paying down those student loans or do a better job at saving money. Now raise your hand again if you swore the same thing last year … and failed. You probably suffer from the same malady as millions of Americans: once-you-have-it-you-must-spend-it-itis. Or, in layman’s terms, there’s always next month to save for a rainy day.

You’ve heard the adage that if it sounds too good to be true, it probably is – but reverse mortgages might just be the exception to that rule. The trick is to be informed.

It’s a fact of life: Just when you’re caught up on bills and wham! Something comes along and takes the wind out of your sails. A flat tire, a broken dishwasher, a broken heater — in the dead of winter — all guaranteed to set you back.