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Senior man working at laptop at home

Disclaimer: The U.S. Social Security Administration substantially limited the use of the “free loan” strategy in 2010, see press release | federal ruling Abstract When to claim Social Security is one of the most important decisions Americans face when approaching retirement. Recently, several unconventional claiming strategies have come to light – “Free Loan,” “Claim and Suspend,” and “Claim…

Senior woman doing finances at home

Abstract The lore on whether older Americans move is mixed.  While the familiar stereotype is that retirees flock to Florida or Arizona, prior studies have found that their home equity rises modestly over time, suggesting that they tend to stay put.  This paper examines moving trends, determinants, and consequences using the original cohort of t…