Financial and Life Planning Resource Directory
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The Association for Integrative Financial and Life Planning
and The Life Planning Network
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Home: Geographic location
Home: Kinds of domiciles and living arrangements
Home: Timing of moves, changes
Banks, James, et al, Housing Mobility and Downsizing at Older Ages in Britain and the United States
RAND Corporation, September 2010, Free
Finding that Americans are more likely to downsize than Britons, due to greater mobility, the authors analyze the causes of greater mobility in the U.S.
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
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
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.
Morris, Barbara H., Moving for Seniors: A Step-by-Step Workbook
1998, $10.95
A guide for seniors and their adult children to assist those who are trying to decide whether it is time to move and how to work through the process.
When You or a Loved One Can No Longer Live Alone
RetirementWorks, Inc., 2009, Free
Outlines the main options you have (staying put, moving somewhere easier to get around in, moving in with someone else, assisted living, or a nursing home), the pros and cons of each, and where you can find additional resources.
Home: Use of home equity
Garcia, Norma Paz, et al, Examining Faulty Foundations in Today’s Reverse Mortgages
Consumer's Union, December 7, 2010, Free
The authors examine the ways in which the marketing of reverse mortgages has served older consumers badly, and what should be done about it.
Product Complexity and Consumer Protection Issues Underscore Need for Improved Controls over Counseling for Borrowers
U.S. General Accounting Office, June 29, 2009, Free
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.
Redfoot, Donald A., How Recent Changes in Reverse Mortgages Impact Older Homeowners, February 2011, Free
Redfoot notes that the mortgage loan crisis is generating an impetus for more consumer protections, but there is also an increase in the cost and complexity of reverse mortgages.
Reverse Mortgages: Leaving Seniors and Taxpayers on the Hook?
U.S. Senate Special Committee on Aging, June 29, 2009, Free
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
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.
Telyukova, Irina and Nakajima, Makoto , Home Equity Withdrawal in Retirement
Federal Reserve Bank of Philadelphia, April 2011, Free
The authors find that home equity, while a large portion of many households’ “savings,” may not be a good asset for retirement purposes because of the high costs of extracting equity for personal use (especially by way of reverse mortgages).
Zedlewski, Sheila R., et al, How Much Could Reverse Mortgages Contribute to Retirement Incomes?
Urban iInstitute / Retirement Policy Program, September 2008, Free
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.
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