Set Reversible
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 Sky Summer Sweet Reversible King Duvet Cover Shams Set $61.20 Time Remaining: 28d 16h 53m Buy It Now for only: $61.20 |
 3 Piece Quilt Set 100 Cotton Rich Reversible King Hailey Taupe Red Black $29.99 (1 Bid) Time Remaining: 39m |
 2pcs New York City Purple Black Grey Stripe Reversible Comforter Set Twin NEW $10.51 (6 Bids) Time Remaining: 1h 10m |
 Union Jack London Reversible Duvet Cover Bedding Set Single Double Size $26.64 Time Remaining: 25d 16h 34m Buy It Now for only: $26.64 |
 2pcs Orange Burgundy Yellow Stripe Retro Floral Reversible Comforter Set TWIN $10.50 (4 Bids) Time Remaining: 1h 15m |
 Reversible Monkey Comforter Set $58.99 Time Remaining: 5d 20h 51m Buy It Now for only: $58.99 |
 2pcs Green White Paisley Lime Pink Purple Stripe Reversible Comforter Set Twin $24.99 Time Remaining: 1h 27m Buy It Now for only: $27.99 |
 3 Piece Quilt Set 100 Cotton Rich Reversible King Size Lisa Pink White $29.99 Time Remaining: 1h 37m |
 Reversible Shark Comforter Set $48.99 Time Remaining: 6d 4h 12m Buy It Now for only: $48.99 |
 Thomasville Queen Reversible Comforter Set CurtainsBedskirt Shams $65.00 Time Remaining: 1h 39m Buy It Now for only: $75.00 |
 SHERIDAN Junior ROAD TRIP Blue White Cars Reversible SINGLE Quilt Cover Set $78.16 Time Remaining: 29d 17h 50m Buy It Now for only: $78.16 |
 3 Piece Quilt Set 100 Cotton Rich Reversible Queen Violet Beige Red Pink $29.99 Time Remaining: 1h 42m |
 3 Piece Quilt Set 100 Cotton Rich Reversible Queen Size Hope Pink Beige $29.99 Time Remaining: 1h 46m |
 4 Pce Jessica Sanders Reversible Black White Full Size Sheet Set NEW $34.95 Time Remaining: 2d 3h 2m Buy It Now for only: $34.95 |
 10 Piece Queen Haper Reversible Bed in a Bag Set Black Pink $94.99 Time Remaining: 2h 9m Buy It Now for only: $104.99 |
 Sky Terrace Reversible Embroidered Queen Duvet Cover Set $43.20 Time Remaining: 29d 18h 33m Buy It Now for only: $43.20 |
 10 Piece Queen Haper Reversible Bed in a Bag Set Turquoise Black $94.99 Time Remaining: 2h 9m Buy It Now for only: $104.99 |
 NEW 4 Piece Reversible Comforter Set $60.00 (1 Bid) Time Remaining: 3h 1m |
 NEW Girls Pink Pony Horse Cowgirl TWIN or FULL Reversible Comforter Bedding Set $59.98 Time Remaining: 27d 5h 30m Buy It Now for only: $59.98 |
 3 Piece Quilt Set 100 Cotton Rich Reversible King Size Nadia Beige Purple $29.99 Time Remaining: 5h 2m |
 24 Comforter Shams Bedding Set Black White Damask Reversible $74.00 Time Remaining: 1d 12h 36m Buy It Now for only: $74.00 |
 10 Piece King Haper Reversible Bed in a Bag Set Chocolate Ivory $109.99 Time Remaining: 5h 29m Buy It Now for only: $121.99 |
 6 Piece Queen Haper Reversible Comforter Set Turquoise Black $64.99 Time Remaining: 5h 29m Buy It Now for only: $71.99 |
 Clara Clark 3Pc Down Alternative Reversible Comforter Set Includes Pillow Shams $44.99 Time Remaining: 21d 1h 59m Buy It Now for only: $44.99 |
 NEW Jonas Disney Channel Full Comforter Bed set Bedding NWT Reversible 2 in1 $24.99 Time Remaining: 5h 41m Buy It Now for only: $44.99 |
 BEAUTIFUL REVERSIBLE OVERSIZE VINTAGE ANTIQUE STYLE FLORAL QUILT SET KING SIZE $126.88 Time Remaining: 16d 8h 16m Buy It Now for only: $126.88 |
 CARNATION Reversible King Size Duvet Set 300 Thread Count 100 Cotton Sateen $45.00 Time Remaining: 7h 7m Buy It Now for only: $85.00 |
 CARNATION Reversible Full Queen Duvet Set 300 Thread Count 100 Cotton Sateen $46.00 (5 Bids) Time Remaining: 7h 8m |
 Reversible Zebra Comforter Set $48.99 Time Remaining: 5d 20h 51m Buy It Now for only: $48.99 |
 Cozelle 95 GSM Microfiber Reversible 7 Piece Comforter Set King Size w Sheet Set $24.99 (1 Bid) Time Remaining: 7h 8m |
 Reversible Alligator Comforter Set $48.99 Time Remaining: 5d 20h 51m Buy It Now for only: $48.99 |
 10 Piece King Haper Reversible Bed in a Bag Set Turquoise Black $109.99 Time Remaining: 7h 9m Buy It Now for only: $121.99 |
 Styleco Pastiche 200T Reversible Twin Comforter Set NEW $79.99 Time Remaining: 8h 7m |
 NEW 8pc CAROLINA POPPY Queen COMFORTER SET SHEETS SHAMS REVERSIBLE $74.99 Time Remaining: 14d 20h 59m Buy It Now for only: $74.99 |
 10 Piece King Haper Reversible Bed in a Bag Set Black Pink $109.99 Time Remaining: 8h 29m Buy It Now for only: $121.99 |
 The Little Mermaid Reversible Comforter Bedding Set Twin Size Ariel Bed Set $49.99 Time Remaining: 15d 1h Buy It Now for only: $49.99 |
 StyleCo Get Set Haggen Reversible 1 Standard Sham NEW $7.99 Time Remaining: 8h 47m |
 10 Piece Queen Haper Reversible Bed in a Bag Set Chocolate Ivory $94.99 Time Remaining: 8h 49m Buy It Now for only: $104.99 |
 3pc Jacquard 1 Bedspread 2 Pillow Shams Set FULL QUEEN KING Reversible Blanket $26.95 Time Remaining: 25d 5h 16m Buy It Now for only: $26.95 |
 4 Pcs Signature Collection Simplicity Reversible Comforter Set King Black Grey $44.99 Time Remaining: 9h 14m Buy It Now for only: $49.99 |
 TWIN TWIN XL Student Lounge Boho Reversible COMFORTER SHAM SET $42.99 Time Remaining: 23d 15h 17m Buy It Now for only: $42.99 |
 Linens N Things Twin Long Bedding Set w Reversible Comforter 2 Sheet Sets $12.99 Time Remaining: 14h 25m |
 MISSONI FOR TARGET NEW FULL QUEEN PURPLE FLORALZIGZAG REVERSIBLE COMFORTER SET $92.00 Time Remaining: 19h 7m Buy It Now for only: $104.00 |
 Twin Comforter 2 PCS Set Girls Reversible Purple Polka Dot $35.99 Time Remaining: 7d 13h 9m Buy It Now for only: $35.99 |
 StyleCo Get Set Mia Reversible 1 Standard Sham 1 Euro Sham NEW $9.99 (1 Bid) Time Remaining: 20h 27m |
 Styleco Trellis Reversible Euro Pillowsham Set $19.80 Time Remaining: 26d 21h 11m Buy It Now for only: $19.80 |
 Styleco Artisan Reversible 240T Cotton Twin Duvet Cover Set NEW $59.99 Time Remaining: 21h 15m |
 2pcs Reversible Multi Stripe Comforter+Sham Set Twin Full $24.99 Time Remaining: 23h 23m Buy It Now for only: $27.99 |
 6 PC Queen Comforter Set Oversize Reversible Mosaic Microfiber Aqua Blue Gray $71.99 Time Remaining: 14d 55m Buy It Now for only: $71.99 |
 8pcs Reversible Ivory Black Tree Branches Bed in a Bag Comforter Set QUEEN size $23.00 (18 Bids) Time Remaining: 23h 37m |
 Poppy Teal Blue White Floral Reversible Duvet Quilt Cover Bedding Set $20.31 Time Remaining: 7d 20h 15m Buy It Now for only: $20.31 |
 3pc Reversible Blue Stripe Solid Comforter+Sham Set Queen $29.99 Time Remaining: 23h 41m Buy It Now for only: $33.99 |
 2pcs Reversible Pokka Dots Comforter with Sham Set Twin Full $24.99 Time Remaining: 23h 47m Buy It Now for only: $27.99 |
 Antique Rose Cotton Reversable Quilt Set Queen $34.99 Time Remaining: 29d 4h 44m Buy It Now for only: $34.99 |
 3pcs Reversible Pokka Dots Solid Comforter w Sham Set Queen $27.99 Time Remaining: 1d 1m Buy It Now for only: $30.99 |
 Circo Twin Full Queen Reversible Quilt Sham Set NIP $59.00 Time Remaining: 21d 11h 15m Buy It Now for only: $59.00 |
 4pcs Reversible Silky Satin Silver Grey Duvet Cover Set w Fitted Sheet King $44.99 Time Remaining: 1d 9m Buy It Now for only: $49.99 |
 Styleco Artisan Reversible 240T Cotton King Duvet Cover Set $130.99 (2 Bids) Time Remaining: 1d 5h 12m |
 CIRCO 7 PIECE BED SET FULL REVERSIBLE COMFORTER HEARTS New $59.95 Time Remaining: 29d 7h 11m Buy It Now for only: $59.95 |
 StyleCo Get Set Leif Reversible 1 Standard Sham Bluebell Print NEW $7.99 Time Remaining: 1d 5h 52m |
 Denver Blue Reversible Super King Size Duvet Quilt Cover Bedding Set $20.31 Time Remaining: 7d 20h 29m Buy It Now for only: $20.31 |
 SKY Fleuri Reversible Standard Sham Set Khaki White NEW $34.99 Time Remaining: 1d 5h 52m |
 CROSCILL CHELLA OVERSIZED REVERSIBLE COMFORTER SET W SHAMS+BEDSKIRT QUEEN 300 $100.00 Time Remaining: 1d 6h 32m Buy It Now for only: $110.00 |
 Sky Sundial Reversible Euro Pillow Sham Set $18.00 Time Remaining: 26d 18h 13m Buy It Now for only: $18.00 |
 StyleCo Get Set Ulla Reversible 1 Standard Sham 1 Euro Sham NEW $9.99 (1 Bid) Time Remaining: 1d 7h 12m |
 CYNTHIA ROWLEY HYACINTH LAVENDER REVERSIBLE 3pc QUEEN QUILT SET FLORAL BLUE $138.00 Time Remaining: 23d 23h 56m Buy It Now for only: $138.00 |
 New IZOD Queen SOUTHPORT 5Pc Comforter Set w Accent Pillow Cotton Reversible $89.99 Time Remaining: 1d 7h 14m |
 SKY Summer Sweet Reversible Duvet Cover Shams Set King Set $59.45 Time Remaining: 1d 7h 27m |
 Blue White Bedding Bed Linen Floral Stripe Reversible Duvet Cover or Curtains $62.71 Time Remaining: 24d 23h 28m Buy It Now for only: $62.71 |
 Charter Club Basics 300 Thread Count Reversible Duvet Cover Set King White $59.45 Time Remaining: 1d 7h 27m |
 Styleco Plumeria Reversible Embroidered Duvet Cover Twin Set $52.20 Time Remaining: 28d 19m Buy It Now for only: $52.20 |
 Sky TERRACE Reversible Duvet Cover Set King Set $59.45 Time Remaining: 1d 7h 27m |
 SKY Mirage Reversible Duvet Cover Set Twin Set $49.45 (1 Bid) Time Remaining: 1d 7h 27m |
 MICKEY MOUSE MINNIE MOUSE Reversible QUEEN Quilt Doona Cover Set LIC NEW $92.81 Time Remaining: 18d 11h 15m Buy It Now for only: $92.81 |
 Company kids Reversible Leopard quilt set F Q New 243 $79.99 Time Remaining: 1d 7h 43m Buy It Now for only: $89.99 |
 Styleco Pastiche Full Queen Reversible Quilt Standard Shams Set $71.99 Time Remaining: 27d 18h 19m Buy It Now for only: $71.99 |
 Styleco Artisan Reversible Comforter Cover Duvet 2 piece Set Twin Size Set $64.50 Time Remaining: 1d 8h 2m |
 NIP Teen Full Queen Reversible Comforter and Sham Set $25.00 Time Remaining: 1d 8h 7m |
 NEW Girl PINK GREEN FULL Comforter Set White Flower Chic REVERSIBLE Striped 4pc $84.99 Time Remaining: 29d 5h 22m Buy It Now for only: $84.99 |
 3 Piece Quilt Set 100 Cotton Rich Reversible King Hailey Taupe Red Black $29.99 Time Remaining: 1d 8h 51m |
 NEW 8pc CAROLINA POPPY KING COMFORTER SET SHEETS SHAMS ARE REVERSIBLE $74.99 Time Remaining: 14d 21h 7m Buy It Now for only: $74.99 |
 3 Piece Quilt Set 100 Cotton Rich Reversible Queen Size Carly Beige Tan Orange $29.99 Time Remaining: 1d 8h 55m |
 3 Piece Quilt Set 100 Cotton Rich Reversible Queen Size Nadia Beige Purple $29.99 Time Remaining: 1d 8h 57m |
 Antique Rose Garden Quilt set Reversible Queen Ecru NEW $78.99 Time Remaining: 3d 12h 13m Buy It Now for only: $78.99 |
 3 Piece Quilt Set 100 Cotton Rich Reversible Queen Size Hope Pink Beige $29.99 Time Remaining: 1d 9h |
 Blooming Garden Bedspread quilt set KING reversible NEW $116.99 Time Remaining: 1d 6h 30m Buy It Now for only: $116.99 |
 3 Piece Quilt Set 100 Cotton Rich Reversible Queen Hailey Taupe Red Black $29.99 Time Remaining: 1d 9h |
 Anacapri Reversible Burgundy Gold Queen 8 Piece Comforter Bed In A Bag Set NEW $69.99 (2 Bids) Time Remaining: 1d 9h 2m |
 6 PC RUGBY STRIPE TWIN XL REVERSIBLE COMFORTER SET NEW $79.00 Time Remaining: 29d 5h 47m Buy It Now for only: $79.00 |
 3 Piece Quilt Set 100 Cotton Rich Reversible Queen Sz Valerie Purple Ivory $29.99 Time Remaining: 1d 9h 5m |
 Blue White Spot Stripe Reversible Bedding $31.35 Time Remaining: 6d 19h 11m Buy It Now for only: $31.35 |
 3 Piece Quilt Set 100 Cotton Rich Reversible King Sz Sherry Purple White $29.99 Time Remaining: 1d 9h 6m |
 4 Pcs Signature Collection Simplicity Reversible Comforter Set Queen Brown Blue $42.99 Time Remaining: 1d 9h 14m Buy It Now for only: $47.99 |
 NEW 8pc CAROLINA POPPY FULL SIZE COMFORTER SET SHEETS SHAMS ARE REVERSIBLE $69.99 Time Remaining: 14d 20h 53m Buy It Now for only: $69.99 |
 4 Pcs Signature Collection Simplicity Reversible Comforter Set King Brown Blue $44.99 Time Remaining: 1d 9h 14m Buy It Now for only: $49.99 |
 Set 2 Nautical Themed Throw Pillows Reverse Home Decor Accents NEW B2302 $15.25 Time Remaining: 9d 4h 40m Buy It Now for only: $15.25 |
 3 Piece Quilt Set 100 Cotton Rich Reversible King Sz Valerie Purple Ivory $29.99 Time Remaining: 1d 9h 26m |
 3 Piece Quilt Set 100 Cotton Rich Reversible Queen Size Lacy Brown Beige $29.99 Time Remaining: 1d 9h 32m |
 Blue White Tie Dye Reversible Twin Comforter Sham Set NEW $59.99 Time Remaining: 1d 2h 42m Buy It Now for only: $59.99 |
 3 Piece Quilt Set 100 Cotton Rich Reversible Queen Size Karen Grey White $29.99 Time Remaining: 1d 9h 36m |
Set Reversible
Reverse Mortgages - Buyer Beware
As the economy tanked, a small but increasing number of consumers tapped into their home equity and took out reverse mortgages. Available to homeowners over age 62, these loans are unlike a traditional mortgage in which a borrower makes a monthly payment to the lender. Instead, a reverse mortgage offers "income" or a line of credit that must be repaid when the holder dies or sells the home. A reverse mortgage can be set up as a lump sum or a monthly amount paid to the borrower. Typically, the monthly amount is set to supplement a senior's fixed income such as a pension and social security. The benefit for the borrower is that they do not have to make any monthly mortgage payments and do not have to repay the loan during their lifetime. The reverse mortgage loan is only repaid when the house is sold or refinanced. This normally occurs when the borrower is dead or ready to permanently move out of their house. Other than the age of the borrower, the only other guideline for qualifying is the loan to value ratio which is determined by the appraised value and life expectancy. In other words, an older applicant means that a higher LTV is allowed and vice versa. There is no credit report needed or income requirements associated with a reverse mortgage.
There are actually three types of defined reverse mortgages. However, most seniors only apply with Home Equity Conversion Mortgages (HECM). The HECM is run by the U.S. Department of Housing and Urban Development through the Federal Housing Administration (FHA). HECM reverse mortgages are among the least expensive in their class. If you want to apply for a HECM loan, the federal government's defined guidelines require that you first get counseling from an accredited reverse mortgage counselor. A recent MetLife and National Home Builders Association report showed that while less than 1 percent of seniors surveyed had a reverse mortgage, there was a 54-percent increase in these loans between 2007 and 2009.
Even though there are certainly benefits associated with reverse mortgages and they do make sense in certain circumstances, consumer advocates are ringing alarm bells about these financial products. Many are saying that homeowners now face foreclosure for failure to pay taxes and insurance. Others are saying that many lenders are charging higher fees and rates. "Reverse mortgages are more expensive than traditional home loans, and the upfront costs can be high," the Federal Trade Commission cautions. "That's important to consider, especially if you plan to say in your home for just a short time or borrow a small amount."
The FBI has issued warnings to seniors about misleading advertisements and scams related to reverse mortgages. While tax-free, the fees can be steep, the amount owed increases over time as interest is added to your loan balance, and you can sap part or all of the equity in your home, leaving you and you heirs with fewer assets. Seniors should consult highly rated mortgage brokers if they are considering a reverse mortgage to find out if it is the best option.
About the Author
Joe Jesuele is the founder and president of
NJ Mortgage
, a financial services company based in Moorestown, NJ. Joe is also the founder of
Northern Liberties Real Estate
in Philadelphia, PA.
What's a good reversible ratchet set to buy?
Well, I broke my 5th cheap-o ratchet yesterday and I've went through so many discount sets, I have a ton of sockets and no ratchets. I was looking into getting a good set that'll last me.
The Duralast tools in auto-zone cought my eye with their lifetime unlimited warranty, but for $35 is it worth it? What do you guys think.
The only similar thing I see is the craftsman tools, but those are $75 a piece on average.
Also, does their warranty mean that the tool will last, or that they've marked it up so much that they can afford replacing it?
Thanks for the input.
If you wish to purchase long-lasting tools, do not depend on Auto-Zone. Your comment about markup is appropriate. The tools sold there are just as cheap inside as the rathole sets you buy at Discount Tool Sales Unlimited or Harbor Freight.
Buy the Craftsman set or, better yet, SnapOn or Mac or Matco. The price is high, but they won't break and even if they do, their tools are warrantied for life as well. I have a set of SnapOn tools I bought in 1983 and they are still functioning as if they were new.
Poundex 3pcs Hungtinton Sectional Sofa Set (Ottoman Reversible) from Opentip.com