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 98 Articles.
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The Retirement Nomad Life

October 22, 2012

One way to live in retirement for at least a few years is to sell your home and most of your possessions and spend your time traveling, staying in one place for an extended period. The Wall Street Journal today has an article by a woman who’s living that way with her husband. They rent […]

Tips for Signing into a Nursing Home

September 18, 2012

When someone begins residence at a nursing home, a lot of documents need to be signed by the resident or someone acting on his or her behalf. More and more often, one of those documents is an arbitration or mediation agreement. In effect, the resident is signing away the right to take any disputes to […]

Attacking Reverse Mortgages

August 10, 2012

For many years in Retirement Watch I’ve presented a balanced view of reverse mortgages. These are tools for seniors to draw down their home equity without having to move from their homes or make payments during their lifetimes. I’ve maintained they are good tools in some situations and detailed those situations. The new Consumer Financial […]

Worst State for Retirement

January 31, 2012

It’s easy to find guides to the best places to retire. There are numerous books and articles. But it’s not so easy to find a list of places you shouldn’t retire to. Of course, you could pick up the latest Census report and see which areas are losing population. But the web site put […]


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. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.

Where Not to Retire

July 7, 2011

Few people realize that taxes are one of the largest expenses in most retirement budgets. It’s not only the federal income tax you should be concerned about but the full range of state, local, and federal taxes. The state and local taxes vary considerably. Also, some areas give tax breaks to the silver set, while […]

Updating Reverse Mortgages

June 22, 2011

The once sleepy reverse mortgage business suddenly is hopping with news. Yesterday I reported that Wells Fargo was withdrawing from the reverse mortgage market. Bank of America also is withdrawing from reverse mortgages. Both banks say the uncertainty about home prices makes the products too risky. Also, with home prices in decline fewer seniors have […]

Exiting Reverse Mortgages

June 21, 2011

A reverse mortgage can provide an older person with substantial cash while allowing him or her to remain in his home. Most home mortgages are insured by the federal government, making lenders willing to make what could be a risky bet on how long a person will live. The number of reverse mortgages written over […]


Reverse Mortgages Coming of Age

May 1, 2008

Reverse mortgages are booming. The number of reverse mortgages issued is growing at a rapid rate (though the actual number still is fairly small), and mortgage options available are increasing. More options give older homeowners more potential benefits but also increase the potential to make mistakes. The industry’s preferred term for reverse mortgages is Home […]

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