Many of the people who opt for a reverse mortgage are single and do not have anyone to help them financially and otherwise in their old age . Instead of focussing only on one activity like working online or watching television or getting bored alone, they should devote their time and energy to developing a home garden in their terrace and the area around their home. An additional advantage of having a landscaped well designed garden is that it will boost the appraised value of the home , so the home owner will be eligible for a higher amount as reverse mortgage.