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

Home Equity & Senior Housing

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

Found 43 Articles.
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How to Maximize Retirement Community Deductions

April 1, 2004

A portion of long-term care expenses are deductible as medical expenses. The question taxpayers often ask is what portion of the fees paid to retiree communities, such as assisted living facilities or nursing homes, can be deducted. The Tax Court recently stepped into this issue and set some new rules. When someone enters a nursing […]


Where To Retire In Style

December 1, 2002

The image of the ideal retirement that is ingrained in the imagination of most Americans includes a home in a sun-drenched retirement community. Reality often doesn’t match the ideal. Some studies show that 25% or more of those who retire to Florida leave within five years. I’ve met retirees who admit to choosing the wrong […]


Is Real Estate The Latest Bubble?

October 1, 2002

Is housing next? One of the few bright spots through the bear market, recession, and war on terrorism is the housing market. New home construction and sale prices of existing homes continue to surge. As home prices rise, people can refinance their mortgages, take some equity in cash, and spend that cash. Many people now […]


Is It Time To Buy A Second Home?

February 1, 2002

A second home appeals to many people these days. Part of the appeal is status. It is a sign of financial success. I’ve seen polls indicating that a second home is the ultimate sign of success to a majority of people. Another reason is that a second home traditionally has been a good investment. Most […]


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Get cash from your home

Get Cash From Your Home, And Stay Put

June 1, 2001

Home equity is the most valuable asset of many older Americans. Even after the big bull market, Americans real estate holdings (primarily through their homes) are more valuable than their stocks. But that real estate wealth doesn’t help pay bills. You can sell a small part of a stock portfolio to pay medical bills or […]


How to Avoid the Key Retirement Housing Mistakes

February 1, 2001

Retirement patterns in the U.S. are changing. That’s because many are finding that the traditional move to warmer climes isn’t for them. The “boomerang” or the “bounce-back” is becoming common for those who move to Florida or Arizona. Retirees have many more location options than they used to. Retiree-oriented developments are being built all over, […]


Should you buy or rent your winter home?

December 1, 2000

Winter is coming, and the thoughts of many retirees turn to warmer climates. The next thought for those who plan to spend part of the year at a second home is whether it makes sense to buy or rent that refuge. Not many years ago that was an easy decision. Real estate almost always appreciated […]


New Retirement Living Choices

April 1, 2000

Traditional retirement living and housing choices are on the way out. The new generation of retirees is looking for new living experiences. Developers are obliging, giving older Americans more choices for living arrangements than ever. These new choices involve more than locating outside the traditional retirement havens of Florida and Arizona, as I discussed last […]

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