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

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retirement-housing-myths-shattered

Retirement Housing Myths Shattered

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 […]

is-the-housing-bubble-real

Is the Housing Bubble Real?

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 […]

your-home-and-long-term-care-in-one-package

Your Home and Long-Term Care In One Package

More and more retirees are looking to solve their housing and long-term health care needs in one move. They are moving into facilities called continuing-care retirement communities, or CCRCs. These also are known as living-care communities. A CCRC has several types of living and health-care facilities in one community. Usually there is an independent living […]

tapping-real-estate-equity-part-2

Tapping Real Estate Equity, Part 2

The rapid real estate appreciation of recent years endowed many families with substantial real estate wealth but not enough cash. Real estate appreciation does not produce cash. But it does result in higher property taxes, and there are maintenance expenses to pay. Some families also are disappointed with having paper wealth that cannot be spent […]

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.

tapping-that-new-real-estate-wealth

Tapping that New Real Estate Wealth

Managing the equity in appreciated homes and second homes has become a pleasant and unexpected challenge for many. Especially on the coasts, residential real estate values soared the last five years. Suddenly owners, especially long-time owners, have properties that are more valuable than they imagined. For many families, real estate wealth exceeds the value of […]

real-estate-bubble-revisited

Real Estate Bubble Revisited

Residential home prices in many areas have skyrocketed. One estimate is that average prices nationally rose 40% over the last five years. In a number of areas, however, home prices increased 75% and more, especially on the coasts. In my area some neighborhoods have waiting lists for homes, and brokers say they have more buyers […]

cash-flow-from-your-home

Cash Flow from Your Home

The use of reverse mortgages is climbing as more seniors learn how to use them to raise cash from their home equity. The loans are not for every senior American, but they can be a valuable source of cash for strapped homeowners. Fewer than 20,000 reverse mortgages were originated in 2003. That’s a tiny part […]

homeowners-hidden-tax-time-bomb

Homeowner’s Hidden Tax Time Bomb

Many older homeowners are facing a problem that a few years ago was considered unthinkable. These homeowners face taxable capital gains on the sale of their homes, despite the generous $500,000 exemption for married couples. The red hot real estate market of the last five years in many areas has pushed many longtime homeowners into […]

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