You should tailor to different clientele: mom-and-pop CD and annuity investors (scared to death of fluctuating principal), vs affluent professionals and business owners that probably have a more balanced exposure of US and foreign equities, bonds, gold, and REITs, for example, and that's their framework.

That gets us up to a 20% default rate. 10% is pretty much from life events, divorce, death, going to jail, etc.

I doubt a murder or other death 40 years ago that today is only a rumor or historic knowledge by a neighbor is going to be relevant.

I have a brother who has been to Iraq and Afghanistan and he told me the death rate is lower there than in Detroit from violent means.

Reverse Mortgages only get foreclosed for a few reasons....death of the borrower, the borrower moves out, or doesn't pay the taxes or insurance.  

I just love my latest tentant - - she hounded me to death - - what's next, what do you need, when can I sign. 

that and The Bible.if what you plan to do has good intentions and is well planned - you will more likely succeed, than if you go into it with an attitude like: "Give me Real Estate or Give me Death."

I have a fax number setup through gotvmail.com that gives me a toll free vanity number that works as a virtual pbx system that follows me no matter what office Im in, and that same number that routes calls, accepts my incoming faxes and turns them into pdf's and emails them to me as well as taking all my voicemails and delivering them to my email account as an mp3 I can listen to on my laptop or smartphone.

Keeping dogs from starving to death? 

Democrats pretty much forced him into raising taxes and this of course pissed off the Republicans which then beat him to death on spending cuts that he proposed.