When It Pays to Have a Mortgage in Retirement -- and When It Doesn't

Sep 06, 2022 View Original Article
  • Bias Rating

    10% Center

  • Reliability

    N/AN/A

  • Policy Leaning

    -10% Center

  • Politician Portrayal

    -18% Negative

Bias Score Analysis

The A.I. bias rating includes policy and politician portrayal leanings based on the author’s tone found in the article using machine learning. Bias scores are on a scale of -100% to 100% with higher negative scores being more liberal and higher positive scores being more conservative, and 0% being neutral.

Sentiments

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Bias Meter

Contributing sentiments towards policy:

62% : Because the bond's 2.7% after-tax return exceeds the mortgage's 2.34% after-tax cost, the strategy of buying bonds to pay the mortgage remains the more profitable choice, said Mr. Roth.
59% : The homeowner must compare the 2.34% after-tax cost of the mortgage with the after-tax return he or she could earn on a Treasury note.
56% : The goal is to see if you can earn enough in interest after taxes to cover your continued mortgage interest.
55% : That leaves an after-tax return of 2.7%, according to Mr. Roth.
49% : However, if the homeowner doesn't receive the full tax benefit from taking the deduction, the bond's 2.7% after-tax return falls short of covering the 3% mortgage.
47% : Someone in the 22% tax bracket would forfeit 22% of the note's 3.49% in interest to taxes.
45% : Taxes can change the math on the decision to pay off a mortgage, generally in favor of paying off the debt.

*Our bias meter rating uses data science including sentiment analysis, machine learning and our proprietary algorithm for determining biases in news articles. Bias scores are on a scale of -100% to 100% with higher negative scores being more liberal and higher positive scores being more conservative, and 0% being neutral. The rating is an independent analysis and is not affiliated nor sponsored by the news source or any other organization.

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