19:11
Nah, the fucked up thing about therapists is they try and make you think your parents are your enemy 99% of the time and really they should be telling you that your parents have almost no effect on the rest of your life. If they can get you to keep focusing on your parents they can keep making money.
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Simple English definitions for legal terms
RAM
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A quick definition of RAM:
RAM stands for reverse annuity mortgage, which is a type of mortgage where the lender gives money to the borrower over a long period of time to provide regular income, usually for elderly borrowers. The loan is repaid in a lump sum when the borrower dies or when the property is sold. It is also known as a reverse mortgage.A more thorough explanation:
RAM stands for Reverse Annuity Mortgage. It is a type of mortgage where the lender gives money to the borrower over a long period of time, usually to elderly borrowers, to provide regular income. The loan is repaid in a lump sum when the borrower dies or when the property is sold.
Example: An elderly couple owns a house but needs additional income to cover their expenses. They take out a RAM and the lender gives them a monthly payment. When the couple passes away, their heirs sell the house and use the proceeds to pay off the RAM.
This example illustrates how a RAM can provide regular income to elderly borrowers and how the loan is repaid when the property is sold.