Jack Guttentag
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Low mortgage interest rates stimulate homeowners to refinanceJun 21, 2019 1:14 pm - The usual reasons to refinance a home mortgage loan are to reduce the monthly payment or to raise cash. The third option, which is underappreciated, is to shorten the pe...
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How President Trump could make it easier to shop mortgagesMar 16, 2019 6:00 am - This article is part of a series on financial regulation that can be implemented by executive action. They do not require funding by the government or the concurrence of...
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Another desirable feature of a retirement plan: a set -asideFeb 23, 2019 5:00 am - Editor's note: This column concludes a two-part series that began in HomesSaturday last week. Last week's column on retirement stated my opinion that most retirement pla...
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Most retirees should have an annuity in their retirement planFeb 16, 2019 5:00 am - Editor's note: This column is the first in a series that will continue next week in HomesSaturday. A retirement plan has two major objectives. One is to provide assuranc...
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You'll want to pay more toward your mortgage, not more oftenFeb 09, 2019 5:00 am - Q. Will a weekly, bimonthly or biweekly payment mortgage really save me money? A. Lenders who offer mortgages with shorter payment periods than the standard monthly paym...
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The science and art of paying off your mortgage earlyJan 26, 2019 5:00 am - Most of my work on paying off a mortgage early has focused on the science of the subject, which is nothing more than the math needed to trace the process through which a...
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How an annuity improves a retirement planJan 12, 2019 5:00 am - "Your article on annuities did not demonstrate that an annuity always improves a retirement plan." Well, Warren Buffett's retirement plan would not be improved by an ann...
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Does an annuity belong in your retirement plan?Jan 05, 2019 5:00 am - An annuity is a stream of monthly income guaranteed for life, starting immediately or deferred to a specified time in the future, in exchange for an upfront lump sum pay...
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HECMs can reduce retirement income instabilityDec 29, 2018 5:00 am - The HECM reverse mortgage is an ingeniously designed instrument with multiple possible uses, but its full potential has yet to be realized. A major reason is that it has...
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A pension system that needs fixingDec 08, 2018 5:00 am - The private pension system in the U.S. is in transition from defined benefit plans to defined contribution plans. On balance, this may be a step in the wrong direction. ...
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