Home Equity & Senior Housing
Bob Carlson’s ideas and strategies for managing home equity and choice of housing to maintain a budget
Found 134 Articles.
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Strategies for Exploiting Home Equity
Home values continue to rise in most areas, giving retirement-age Americans more home equity than ever. But few homeowners have strategies for turning their home equity into retirement cash. Now is a good time to consider a home equity strategy because of the combination of high levels of equity and a precarious stock market. A […]
The Essential Guide to Aging at Home
Long-term care no longer must mean moving to an assisted living residence, nursing home or continuing care retirement community (CCRC). Most people want to live the rest of their lives in their current homes, according to an AARP survey. But AARP estimates only about 10% of homes are fully prepared for aging in place. Fortunately, […]
Senior Living Communities: What You Need to Know About Benefits and Risks
A lot has changed in senior living communities in the last few years, and anyone in or approaching retirement should know the details. In the latest episode of the Retirement Watch Spotlight Series, I review the different types of senior living communities and the names they’re known by. You’ll learn the important differences between them. […]
How To Make Your Home Equity a Retirement Asset
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 past issues of Retirement Watch, we’ve gone over reverse mortgages and issues related […]
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When You Need Cash: Home Equity or Margin Loan
When a large, unexpected expense crops up, you don’t want to increase the cost by using a less-than-optimum way to raise the needed cash. The most common unplanned retirement expenses are medical treatment, home repairs, taxes and help for family members. Of course, when you don’t have enough cash on hand you could sell an […]
Reverse Mortgages Can Reduce Key Retirement Risks
Strategic use of a reverse mortgage can reduce the risks of running out of money due to longevity and market volatility. A reverse mortgage also can free up what was an illiquid asset, and it’s tax free. Reverse mortgages once were the domain of hucksters and shady financial salespeople. There’s still some of that element […]
How To Make Your Home Equity a Retirement Asset
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 past issues of Retirement Watch, we’ve gone over reverse mortgages and issues related […]
7 Key Mistakes People Make When Retiring Abroad
Millions of Americans move abroad each year. If you’re considering being one of them, be sure you avoid the most frequent financial mistakes of emigrating Americans. Though the politics of moving abroad attract a lot of headlines, only a small number of the four million or so U.S. citizens living abroad left for political reasons. […]
