Jack Guttentag
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Is the “too big to fail” problem too big to solve?Oct 04, 2013 10:25 am - Last week’s article argued that existing public policy toward the “too big to fail” problem was based on an unrealistic premise: that capital requirements can be used to...
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Is the “too big to fail” problem too big to solve?Sep 21, 2013 12:08 am - There seems to be almost universal consensus that using public funds to protect large institutions from failure, commonly called “bailout,” is bad policy. There is nothi...
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Who can you trust for a mortgage referral?Sep 13, 2013 10:47 am - Q. I don’t want to price shop for a mortgage, because I don’t feel competent enough and don’t want to take the time to educate myself on how to do it. I want to go to a ...
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Fix up a home before selling it, or not?Sep 07, 2013 12:10 am - Recently I put my home up for sale, and because it needed a new roof, deck and septic system, I came face to face with this question. This article is based heavily on th...
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Smart mortgage shoppers understand mortgage pricingAug 24, 2013 12:00 am - Mortgage pricing is a complicated process, which allows loan officers who understand it to get the better of borrowers who don't. The first step for any borrower looking...
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Prepare to rescind your mortgage refinance before you closeAug 17, 2013 12:02 am - Rescinding a contractual agreement is unusual. A major purpose of contracts is to define the rights and obligations of each party, and if provision is made for a resciss...
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Why it’s tough to refinance with your current lenderAug 03, 2013 12:16 am - A small group of borrowers might profit from refinancing with their current lenders — the firm to which they remit their monthly payment. Most borrowers, however, will d...
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Can government help mortgage borrowers make better decisions?Jul 26, 2013 12:27 pm - A large mass of Federal legislation and regulation, with the Truth in Lending law as the centerpiece, is based on the premise that markets don’t work well if one group o...
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Mortgage are underappreciated, and often misunderstoodJul 20, 2013 12:29 am - The standard mortgage contract in the U.S. today calls for full repayment of the balance over the term with equal monthly payments of principal and interest. For example...
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Mortgage professor: Calculator can help you decide on affordabilityJul 13, 2013 1:58 am - The house purchase season is now in full swing, and many wannabe purchasers are wondering whether or not they can afford the price quoted on the house they would like to...