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Jack M. Guttentag is Professor of Finance Emeritus at the Wharton School of the University of Pennsylvania. More

Recent Articles

Down Payment Insurance on a Home Purchase

This article assesses a new program that insures home buyers that upon sale, they will not lose their down payment. Read Article

Shopping For an Annuity On-Line

This article summarizes the major features of high-quality internet delivery sites, identifying a good general purpose annuity site, and an excellent site focused on longevity annuities only. Read Article

Life Annuities and HECM Reverse Mortgages as Tools For Protecting Retirees

This article explains how HECM reverse mortgages and annuities can strengthen plans of retirees who are dependent on liquidation of financial assets which might become depleted, or on pensions which may become inadequate. Read Article

How Retirees Can Avoid Running Out of Money: The Role of Longevity Annuities

This article shows how a longevity annuity can help protect a retiree against the risk of running out of cash. Read Article

"The Big Short" Reinforces a Widespread Misperception About the Financial Crisis

This article argues that the popular movie "The Big Short" erroneously blames the financial crisis on the greed of mortgage lenders and investment bankers, when in fact government policy was largely to blame. Read Article

How Much Can You Afford to Pay For a House?

This article defines affordability in calculator 5a as the lowest of three price maximums calculated from three rules: a minimum income rule, a maximum debt rule, and a required cash rule. Read Article

"How to Make Your Money Last": Review of the New Book by Jane Bryant Quinn

This new book by Jane Bryant Quinn covers critical issues faced by retirees before retirement, at retirement, and during retirement. Anyone who approaches these issues seriously ought to have this book. Read Article

Shopping the HECM Reverse Mortgage Market: Another Look

This article introduces the HECM Shopper's Assistant, which contains all the information needed to shop for a HECM reverse Mortgage effectively. Read Article

Borrowers Pay the Piper For Lender Misdeeds

This article describes how, in the aftermath of the financial crisis, inflexible rigidities were introduced into what had been a highly flexible underwriting system. Read Article

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