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Home Equity & Senior Housing

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

Found 126 Articles.
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Evaluating the CCRC Living Option

March 1, 2016

Interest in the continuing care retirement community as a living option (CCRC) is rising, but interest still is not as strong as before the financial crisis. Retirees considering their living options might find a good deal in a CCRC, but they need to shop carefully and fully understand the terms of the CCRC. You also […]

Making the Most of Home Equity

January 1, 2016

The residence usually is one of the most valuable assets retirees own. It also is one of the worst-managed assets. Few people realize the home can be used to increase retirement cash flow or know how to do so efficiently. In the last few visits we discussed reverse mortgages and issues related to moving in […]

Considering a Move for Retirement

December 1, 2015

We’re in the time of year when many people think seriously about moving in retirement. Cold weather seems to make a few more people decide that since they no longer are tied to a particular area for a job or business, they shouldn’t have to put up with weather they don’t like. The harsh winters […]

New Uses of Reverse Mortgages

November 1, 2015

Proper use of a reverse mortgage can extend the life of your wealth. Changes were made in reverse mortgages in 2013. The changes allow new strategies, and recent research revealed a few creative ways to use them. Today’s low interest rates also create an opportunity that will disappear when rates rise. Many of you should […]


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The Truth About Retirement Living

August 1, 2015

Retirement living and housing myths still circulate. The myths continue not only among prospective retirees but also among financial advisors and the media. That’s unfortunate, because where to live is one of the most important and far-reaching retirement decisions. It affects both the financial and non-financial aspects of your retirement. Let’s take a look at […]

How “Livable” Is Your Community?

April 30, 2015

The AARP, through its Public Policy Institute, issued an online tool called the Livability Index. Plug in the name of your community, or one you are considering moving to, and you’ll see a numerical score and a showing of where the community ranks on the AARP scale. You also can see the different categories used […]

Nursing Homes Control Patients Who Don't Pay

January 27, 2015

A nursing home has options if you are admitted to residence and can’t pay your bills or dispute some of them. The nursing home has the option of going to court and seeking guardianship over the resident. In New York especially the law is written to make it easy for nursing homes to be appointed […]

Why Americans Move? The Retirement Impact

January 6, 2015

Most people don’t move in retirement. About 80% or more stay close to where they lived in the decades before retirement. But there are many people, retired and otherwise, who move each year. Reports by two moving companies reveal why many people move: warmer temperatures and more affordable homes. The top states people are leaving […]


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