This analysis compares three models—a 30-year mortgage, a 15-year mortgage, and a lifelong renter—over the course of 31 years. Net worth and rates of return for each model are compared at the end of the period. The project uses a downloadable Excel Tool to perform the calculations.
Latest Projects
Investing for a Child’s College Education: A Three-Step Financial Planning & Analysis Process
Project estimates future college costs and investment returns, then computes monthly 529 contributions across optimistic, average, and pessimistic scenarios, producing a nine-scenario matrix to guide savings decisions.
Putting DEI Results to the Test with Bayesian Probability
This project examines the effectiveness of Diversity, Equity, and Inclusion (DEI) initiatives using Bayesian probability, proposing to empirically test outcomes to inform both advocates and opponents of the effectives of such policies.
Logistic Regression and Counterfactual Thinking with Titanic Survivorship Data
This project employs Titanic passenger data to develop a logistic regression model predicting survival probabilities, assessing accuracy through proprietary methods and addressing counterfactual scenarios regarding class and sex.
Predicting Customer Satisfaction Scores with Zero One Inflated (ZOI) Beta Model
This study analyzed a dataset of 38,444 customers to predict Satisfaction Scores using a zero one inflated beta model and achieving an R-squared of ~0.76.
An Accuracy Rating System for Discrete Probability Predictions Using Sportsbook Odds for Super Bowl LIX
ABSTRACT This paper presents a practical accuracy rating system for evaluating discrete probability predictions. The approach assigns credit based on…
An Outline of a Basic TCG Sportsbook Model
This paper outlines a baseline sportsbook model for wagering on competitive trading card games (TCGs) such as Magic: The Gathering, Pokémon, and Yu-Gi-Oh!.