Financial and Life Planning Resource Directory
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Home: Geographic location
Beard, J.R., et al, "Neighborhood Characteristics and Change in Depressive Symptoms Among Older Residents of New York City", American Journal of Public Health, July 2009 (Vol. 99, No. 7)
http://www.rwjf.org/pr/product.jsp?id=45549
The authors report that the three main factors augmenting depression were neighborhood socioeconomic influences, residential stability, and racial/ethnic composition, with positive neighborhood socioeconomic influences being significantly protective against worsening symptoms.
Cromartie, John, and Nelson, Peter, Baby Boom Migration and Its Impact on Rural America
U.S. Dept. of Agriculture Economic Research Service, August 2009, Free
http://www.ers.usda.gov/Publications/ERR79/
According to Cromartie and Nelson's analysis, if baby boomers follow past migration patterns where older people tend to relocate to more isolated and less costly settings, the nonmetro population age 55-75 will increase by 30 percent between now and 2020.
Cullinane, Jan, and Fitzgerald, Cathy, The New Retirement
Rodale Inc., 2004 (Revised ed.), $19.95 (U.S.)
Cullinane and Fitzgerald cover in an intelligent way all the main issues that arise in the process of retiring, but give extraordinarily detailed information and analysis concerning the question of where to live - both kind of residence, and especially geographical location.
Go West, Old Man: Where Older Adults Feel Young at Heart
Pew Research Center, August 7, 2009, Free
http://pewresearch.org/pubs/1301/older-americans-west-feel-younger-healthier
According to this survey, the Western U.S. states report a higher proportion of age 65+ adults who are healthy and don’t feel old.
Haverstick, Kelly, and Zhivan, Natalia A. , Older Americans on the Go: How Often, Where, and Why?
Boston College Center for Retirement Research, September 2009, Free
http://crr.bc.edu/images/stories/Briefs/ib_9-18.pdf
The authors examine the migration patters of older adults.
Raghavan, Kamala, "Survey of Total State Taxes and Planning Implications for Retirees", Journal of Financial Planning, January 2009 (Vol. 22, No. 1)
Raghavan observes that low income taxes in a given state may be more than offset by other taxes, and she provides a useful state-by-state tax chart.
Social & Demographic Trends Survey
Pew Research Center, February 2009, Free
http://pewresearch.org/pubs/1134/content-in-american-suburbs
This survey found that people who live in suburbs are more content with their environment than people in rural or urban areas.
Home: Kinds of domiciles and living arrangements
Home: Timing of moves, changes
Boldt, Rebecca, et al, Do Rising Property Taxes Lead the Elderly to Move from their Homes?
Robert M. La Follette School of Public Affairs at the University of Wisconsin, October 2009, Free
http://www.lafollette.wisc.edu/publications/workingpapers/reschovsky2009-026.pdf
The authors discovered that among homeowners over the age of 79, only 1 in 300 moved because their property taxes grew at an above-median rate, and even most of these taxpayers were not actually being forced out of their homes because they could not afford their increased property taxes.
Calvo, Esteban, Determinants and Consequences of Moving Decisions for Older Homeowners
Boston College Center for Retirement Research, August 2009, Free
http://crr.bc.edu/images/stories/Working_Papers/wp_2009-16.pdf
The authors research anf number, causes, and effects of moving, distinguishing between those who move because of affirmative plans to do so, and those who move because of economic or other shocks.
Home: Use of home equity
Product Complexity and Consumer Protection Issues Underscore Need for Improved Controls over Counseling for Borrowers
U.S. General Accounting Office, June 29, 2009, Free
http://www.gao.gov/new.items/d09812t.pdf
This study by the U.S. government watchdog agency finds that marketing materials related to reverse mortgages sometimes contain inaccurate or incomplete information, or use questionable sales tactics.
Reverse Mortgages: Leaving Seniors and Taxpayers on the Hook?
U.S. Senate Special Committee on Aging, June 29, 2009, Free
http://aging.senate.gov/hearing_detail.cfm?id=317031&
Congressional hearings on issues related to reverse mortgages.
Tapping Home Equity in Retirement: The MetLife Study on the Changing Role of Home Equity and Reverse Mortgages
MetLife Mature Market Institute, June 2009, Free
http://www.metlife.com/assets/cao/mmi/publications/studies/mmi-tapping-home-equity-retirement.pdf
This report examines what people can do and what they choose to do with home equity in order to increase income security, enhance financial resilience, and improve debt management.
Zedlewski, Sheila R., et al, How Much Could Reverse Mortgages Contribute to Retirement Incomes?
Urban iInstitute / Retirement Policy Program, September 2008, Free
http://www.urban.org/UploadedPDF/411763_reverse_mortgages.pdf
The authors find significant potential in reverse mortages, but not necessarily for those most in need, since there are relatively low homeownership rates for low-income, single, and the oldest seniors.
Home: Other / general / not specified
Moran, Michael, "Technology at Home: Innovations for Aging in Place", Aging Well, July/August 2009 (Vol. 2, No. 3)
http://www.agingwellmag.com/archive/063009p26.shtml, Free
Moran discusses technology products that make living at home more feasible for elders, including aids to communication, housekeeping, safety, leisure, comfort, and medication tracking.
Pollak, C., et al, Where We Live Matters for Our Health: The Links Between Housing and Health
Robert Wood Johnson Foundation, September 2008, Free
http://www.rwjf.org/files/research/commissionhousing102008.pdf
This study investigates the links between health and housing in terms of the physical conditions within homes, the condition of the neighborhood, and housing affordability.
Shelton, Alison, First Look at Older Americans and the Mortgage Crisis
American Association for Retired Persons, 2008, Free
http://assets.aarp.org/rgcenter/econ/i9_mortgage.pdf
Shelton provides an early look at the impact of the mortgage crisis on older Americans.