The Epic American Credit and Bond Bubble Laboratory Message Board

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Strategies & Market Trends : The Epic American Credit and Bond Bubble Laboratory

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To: russwinter who wrote (79108)	2/18/2007 12:48:05 PM
From: TimbaBear	Read Replies (1) of 110194

Russ Another good article. May I point out that you have not included some features in your affordability analysis? Namely, you were using (I believe) gross income and not accounting for Federal and State income tax withholdings as well as FICA and 401K and any employer sponsored but employee co-pay items like health and life insurances. Even generous assumptions in these areas when deducted from gross income to derive the take-home pay from which all of what you show (and much more)must come, further highlights the hyperreality of it all. Timba

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