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David Bernstein
The Nine Essays on Debt and Your Retirement
The Nine Essays on Debt and Your Retirement
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This book consists of nine essays on issues impacting household debt and your retirement.
The first essay critiques a popular calculator used by realtors to help their clients determine whether or not buy or rent a home.
The second and third essays examine the impact of student and consumer debt on the home purchase decision. An appendix to one essay discusses the Income Based Replacement student loan program.
The fourth essay provides background information on the choice between the 15-year FRM and a 30-year FRM.
The fifth essay examines how mortgage choice and housing or mortgage holding period impact lifetime house equity growth when people buy multiple houses in their lifetime and the down payment for the second homes come from proceeds obtained from the sale of the first home.
The sixth essay considers issues related to the use of adjustable rate mortgages (ARMs).
Essay seven examines issues pertaining to subprime mortgages, especially mortgages with penalties against prepayment.
Essay eight examines the role played by 401(k) plans and Individual Retirement Accounts.
Essay nine considers whether older workers are better off adding money to their 401(k) plan or paying off their retirement.
A concluding page muses over the potential conflict of interest between financial professionals and their clients.
The first essay critiques a popular calculator used by realtors to help their clients determine whether or not buy or rent a home.
The second and third essays examine the impact of student and consumer debt on the home purchase decision. An appendix to one essay discusses the Income Based Replacement student loan program.
The fourth essay provides background information on the choice between the 15-year FRM and a 30-year FRM.
The fifth essay examines how mortgage choice and housing or mortgage holding period impact lifetime house equity growth when people buy multiple houses in their lifetime and the down payment for the second homes come from proceeds obtained from the sale of the first home.
The sixth essay considers issues related to the use of adjustable rate mortgages (ARMs).
Essay seven examines issues pertaining to subprime mortgages, especially mortgages with penalties against prepayment.
Essay eight examines the role played by 401(k) plans and Individual Retirement Accounts.
Essay nine considers whether older workers are better off adding money to their 401(k) plan or paying off their retirement.
A concluding page muses over the potential conflict of interest between financial professionals and their clients.
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