Living Smaller and Smaller and Smaller

Recently the news was filled with the prospect of New York building mini apartments to help house its growing population. I really didn’t get what the entire hullabaloo was about. I’ve lived small before and it isn’t all that bad. There have always been those in New York City who have found and fixed up…

Finance Retirement

Why Isn’t There Affordable Housing for Seniors?

“The government has forsaken the ones who have paid the largest amount of taxes. Only if I have no money at all can I get a decent roof over my head.“ The government (HUD) builds high-rise apartment housing for low income seniors. They pay usually less than half the regular rent. The wealthy ones can…


Sinking & Swimming

A decade ago I was a millionaire – on paper at least – and today I have to keep an eye on every dollar to get by from month to month. It has been an exercise in sinking and swimming, an ode to our time, a symphony of economic scales that occurs at least once…

Finance Retirement

Making Your House Pay in Retirement

Reverse Mortgages Turn Home Equity Into Income, And Costs — a Big Drawback — Are Coming Down By JEFF D. OPDYKE Wall Street Journal, December 27, 2006 A reverse mortgage could help you pay for retirement — or it could cost you and your heirs a lot of money. The housing boom of recent years has fueled…


Reverse Mortgages II: Why You Should Put Off Getting One and Other Tips

Your home is more than your castle, it’s your ace in the hole. If you haven’t saved enough for retirement, you figure that you can live on the equity you’ve built up. But in real estate, the easy money has been made. Home prices are falling in some cities and flattening in others. For planning…


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