Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Home Equity & Housing

Bob Carlson’s ideas and strategies for managing home equity and choice of housing to maintain a budget

Found 26 Articles.
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7-Step Checklist: How to Shelter Your Financial Security from Natural Disasters

December 15, 2017

The recent string of high-profile natural disasters caught many people by surprise — and created major gaps in their financial security. It can happen to any of us… It doesn’t have to be an historic hurricane, flood, or wildfire. You could be at risk from a broken water pipe, a tree falling on your home, or some other event. Bottom line: You […]

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How to Downsize in Retirement: The Financial Impact

August 10, 2017

This week we’re continuing the downsizing theme by taking a deep dive into its financial impact. I’ve learned over the years that people often downsize only to find that it doesn’t generate the cash flow they expected. Consider, for starters, what you expect to have left over from selling the old house. I’m not referring to […]

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Tips for Downsizing in Retirement

August 4, 2017

Home equity and the home are the most neglected and misunderstood factors in retirement planning. Since home equity is one of the largest assets for many people, a lot of money is left on the table. Surveys indicate that about 40% of baby boomers plan to move sometime after retiring. Many people assume they’ll downsize […]

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Retirement Housing Myths Shattered

June 1, 2007

Some of the biggest retirement planning mistakes occur because pre-retirees believe common myths and rules of thumb that often are featured in the media. Most of these retirement platitudes do not stand up to basic research or investigation. Retiree housing has been a subject of some of the premier and enduring retirement myths. The media […]

The 6 Biggest Risks to your Retirement

What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up with. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here for free access.

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The Changing Picture of State Taxes

September 1, 2005

State and local taxes are a higher portion of retirees’ expenses than in the past. These taxes are a more important factor in people’s decisions of where to live in retirement. Yet, many people are making decisions with the wrong information. If state and local taxes are important to you, do not rely on information […]

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Real Estate Bubble – Part 4

July 1, 2005

Are housing prices in the final blow off stage? Talk of the housing bubble is in at least its third year. Yet, home prices still rise at rapid rates in many areas. The recent drop in interest mortgage rates is likely to support current price levels and even higher home prices. A possible new warning […]

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Comparing Continuing Care Retirement Communities

March 1, 2005

Last month we introduced Continuing Care Retirement Communities (CCRC) and their different pricing options. Each community combines independent living, assisted living, and a nursing home. Residents are guaranteed lifetime care. Some require a modest deposit and monthly fees.  Others require a large payment that might be partially refundable to your heirs, and they charge lower […]

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Is the Housing Bubble Real?

March 1, 2005

Housing prices in 2004 again were hot in a number of areas across the country. In three dozen metropolitan areas, home prices appreciated more than 20% in the last 12 months. In 14 major markets, prices more than doubled in the last 60 months. These strong growth markets primarily are in California, Nevada, Florida, New […]

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