When Wall Street returns to work after New Year's Day, stock investors will be in the mood to buy -- that is, if manufacturing and jobs data show modest growth.

When Wall Street returns to work after New Year's Day, stock investors will be in the mood to buy -- that is if manufacturing and jobs data show modest growth.

At any given time within just a single brain cell of sea slug known as Aplysia, more than 10,000 genes are active, according to scientists writing in Cell. Maybe you have to be a geneticist to truly understand the implications but it sure seems like the process of thought is enormously complex.

With a reverse mortgage, the lender sends you cash and you make no repayments, so your debt increases while your equity shrinks. When a reverse mortgage becomes due and payable, your home’s value will have been turned into loan advances, loan costs, or left-over equity.

While that notion might seem alarming, remember that’s precisely what a reverse mortgage borrower needs - the ability to “spend down” their home equity, while they live in their home, without having to make monthly loan payments.

Personal finance loans and credit.