David P. Bernstein

Independent

SCHOLARLY PAPERS

55

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1

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Scholarly Papers (55)

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1.

Measuring Portfolio Valuation

Number of pages: 17 Posted: 27 Oct 2017
David P. Bernstein
Independent
Downloads 857 (49,391)

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2.

Bankruptcy Reform and Foreclosures

Number of pages: 10 Posted: 08 Jul 2008
David P. Bernstein
Independent
Downloads 756 (58,536)
Citation 7

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personal bankruptcy, personal finances, financial institutions, consumer debt, mortgages

3.

Home Equity Loans and Private Mortgage Insurance: Recent Trends & Potential Implications

Number of pages: 11 Posted: 06 Oct 2008 Last Revised: 15 Oct 2008
David P. Bernstein
Independent
Downloads 379 (136,524)
Citation 3

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mortgages, private mortgage insurance, PMI, foreclosure, subprime, default

4.

The Impact of Murder and Accidental Death on Life Expectancy: Implications for Health Care Reform

Number of pages: 8 Posted: 02 Sep 2009
David P. Bernstein
Independent
Downloads 223 (235,775)

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5.

The Impact of Home Ownership on Mobility and Labor Market Outcomes: Evidence from the Current Population Survey (2005 to 2008)

Number of pages: 10 Posted: 05 Jun 2009
David P. Bernstein
Independent
Downloads 222 (236,774)
Citation 2

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homeownership, migration, mobility, unemployment, under-employment duration of unemployment

6.

A Discussion of Medicaid Eligibility Rules and Potential Reforms

Number of pages: 11 Posted: 28 Nov 2008
David P. Bernstein
Independent
Downloads 211 (248,315)

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Medicaid, Long Term Care, Insurance, welfare, nursing home

7.

A Presentation: Seconds First: The Role of Second Liens in the Mortgage Crisis and Rescue

Number of pages: 18 Posted: 14 Nov 2008
David P. Bernstein
Independent
Downloads 202 (258,371)
Citation 3

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mortgages, foreclosure, bankruptcy, housing, financial crisis

8.

Economic Factors, Attitudes Towards Risk, and Health Insurance Coverage for Young Adults

Number of pages: 17 Posted: 15 May 2009 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 171 (299,389)
Citation 1

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uninsured, health insurance, risk, income, preferences

9.

Health Limitations and the Determinants of Health Insurance Coverage

Number of pages: 15 Posted: 08 Aug 2008
David P. Bernstein
Independent
Downloads 161 (315,178)

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health insurance, coverage, regulation

10.

Utilization of Doctors and Emergency Rooms: Implications for Health Care Reform

Number of pages: 14 Posted: 03 Aug 2009 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 155 (325,438)

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health insurance, income effect, inferior good, normal good, emergency rooms, physician supply, health care reform, medicaid, coverage, tobit models, logistic models

11.

Health Insurance Policy Design and Competing Objectives

Number of pages: 18 Posted: 31 Jul 2008
David P. Bernstein
Independent
Downloads 140 (353,237)

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health insurance, moral hazard, adverse selection, coinsurance, deductible, out-of-pocket limit

12.

Credit Unions Versus Banks: Preliminary Findings

Number of pages: 8 Posted: 14 Jun 2010
David P. Bernstein
Independent
Downloads 138 (357,192)

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credit unions, interest rates, too-big-to-fail, banking, credit rationing

13.

Medicaid Spend Down Rules and a Health Care Reform Proposal

Number of pages: 8 Posted: 22 Jul 2008 Last Revised: 29 Apr 2010
David P. Bernstein
Independent
Downloads 130 (373,971)

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health insurance, coverage, reinsurance, regulation, Medicaid

14.

Bankruptcy Code Modifications and Mortgage Markets

Number of pages: 10 Posted: 31 Oct 2008 Last Revised: 03 Dec 2008
David P. Bernstein
Independent
Downloads 125 (385,263)
Citation 3

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bankruptcy, foreclosure, second mortgage, predatory loan, BAPCPA, interest rate, risk, consumer credit

15.

A Note on Coordinating Defined Benefit and Defined Contribution Benefits in a Multi-Pillar Pension Plan

Number of pages: 7 Posted: 11 Sep 2008
David P. Bernstein
Independent
Downloads 114 (412,285)
Citation 1

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social security, retirement, public pensions, social security reform, labor supply, investment risk

16.

Essays on Social Security Reform and Multi-Pillar Pension Plans

Number of pages: 27 Posted: 23 Apr 2009
David P. Bernstein
Independent
Downloads 113 (414,894)

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Social Security, Life Cycle Investing, Multi-pillar Pension Plans, Progressive Indexation, Transition Costs, Universal Accounts

17.

A Presentation: Negative Net Worth: A Comparison of Survey of Consumer Finances (SCF) and Panel Study on Income Dynamics (PSID) Estimates

Number of pages: 9 Posted: 24 Jun 2010
David P. Bernstein
Independent
Downloads 102 (446,598)
Citation 1

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household net worth, housing equity, survey of consumer finances, panel study of income dynamics

18.

Should the U.S. Congress Appropriate Funds for the Purchase of Older Vehicles?

Number of pages: 8 Posted: 04 May 2009
David P. Bernstein
Independent
Downloads 99 (455,682)

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environment, global warming, automobiles, cash for clunkers, vehicle buy-back, pollution Carbon monoxide, Hydrocarbons, Nitric Oxides, Carbon Dioxide

19.

Prisoner’S Dilemma and Mortgage Relief

Number of pages: 8 Posted: 31 Jul 2009
David P. Bernstein
Independent
Downloads 98 (458,840)

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game theory, prisoners dilemma, mortgage revision, shared appreciation mortgage, second mortgage, regulation

20.

Factors Impacting Emergency Department Use

Number of pages: 15 Posted: 15 Oct 2008
David P. Bernstein
Independent
Downloads 98 (458,840)

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health insurance, demand, emergency room, health care

21.

A Revised Note: What is the Appropriate Tax-Base for President-Elect Obama's High-Income Household Tax?

Number of pages: 11 Posted: 08 Nov 2008 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 96 (465,064)

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taxation, tax base, Social Security, marginal tax rates, tax evasion, labor force participation

22.

The Use of Shared Appreciation Mortgages to Increase Demand for 15-Year Mortgages

Number of pages: 15 Posted: 16 May 2009 Last Revised: 28 Mar 2012
David P. Bernstein
Independent
Downloads 94 (471,498)

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mortgage, shared appreciation mortgage, capital gain, housing equity

23.

Bankruptcy Reform and Foreclosures from the Perspective of the Taxpayer

Number of pages: 11 Posted: 06 Mar 2009
David P. Bernstein
Independent
Downloads 91 (481,362)

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taxes, bankruptcy, foreclosure, mortgages, credit card debt

24.

Demographic Change and the Future of State Income Taxes

Number of pages: 22 Posted: 27 Mar 2009 Last Revised: 09 Mar 2012
David P. Bernstein
Independent
Downloads 88 (491,472)
Citation 1

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state taxation, population aging, demographics

25.

The State Child Health Insurance Program Debate: Background and Insights

Number of pages: 16 Posted: 24 Oct 2008
David P. Bernstein
Independent
Downloads 85 (502,160)

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health insurance, State child health insurance program, coverage, benefits, cost sharing

26.

Health Care Reform: The Impact of the Regulatory Regime and Cost Sharing

Number of pages: 30 Posted: 17 Dec 2008 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 83 (509,322)

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health car reform, non-group market, insurance coverage, health expenditures, regulation, cost sharing

27.

Market Crashes, Health, and Retirement

Number of pages: 21 Posted: 26 Jul 2011
David P. Bernstein
Independent
Downloads 76 (536,450)

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28.

A Short Note: Insights on the Current Unemployment Rate and the Business Cycle

Number of pages: 7 Posted: 23 Sep 2008
David P. Bernstein
Independent
Downloads 76 (540,482)

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unemployment rate, business cycle, recession, expansion, unemployment, lagging indicator

29.

Improving Health Insurance

Number of pages: 8 Posted: 12 Feb 2020
David P. Bernstein
Independent
Downloads 75 (540,482)

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health insurance, affordable care act, health savings accounts, state exchanges

30.

Who Receives Offers of Employer Sponsored Health Insurance?

Number of pages: 15 Posted: 17 Jul 2008
David P. Bernstein
Independent
Downloads 75 (540,482)

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31.

The Impact of Health Care Reinsurance on Different Cohorts

Number of pages: 17 Posted: 30 May 2009 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 72 (552,936)

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reinsurance, health insurance, coverage, uninsured, regulation, community rating, guarantee issue age-adjusted rating modified community rating

32.

Statistical Note # 2: An Analysis of Insurance Coverage and Health Status for Self-Employed Working-Age Individuals

Number of pages: 4 Posted: 04 Mar 2010 Last Revised: 10 Mar 2010
David P. Bernstein
Independent
Downloads 67 (574,708)
Citation 1

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health insurance, health status, self-employed

33.

How Would Health Care Reform Impact Working-Age Adults With Diabetes?

Number of pages: 14 Posted: 03 Sep 2008 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 59 (612,774)

Abstract:

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health insurance, health reform, coverage

34.

Statistical Note #1: Negative Equity and Mortgage Affordability Problems: 1985 Versus 2005

Number of pages: 5 Posted: 23 Mar 2010
David P. Bernstein
Independent
Downloads 58 (617,955)

Abstract:

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mortgages, house equity, affordability, retirement income

35.

Should Long Term Care Insurance (LTCI) Be Given Preferential Tax Treatment?

Number of pages: 13 Posted: 29 Dec 2008
David P. Bernstein
Independent
Downloads 58 (617,955)

Abstract:

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insurance, long term care insurance, retirement, 401(k)

36.

The Impact of Capital Gains Tax Rates on Reported Wage and Salary Income

Number of pages: 22 Posted: 01 Apr 2012
David P. Bernstein
Independent
Downloads 54 (638,968)

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taxes, capital gains, wages, compensation, marginal tax rates

37.

Statistical Note #1 Changes in Out-of-Pocket Expenses by Insurance Category (1999 to 2006)

Number of pages: 5 Posted: 14 Dec 2009
David P. Bernstein
Independent
Downloads 50 (661,285)
Citation 1

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38.

Health Care Reform: High-Risk Pool Issues

Number of pages: 8 Posted: 07 Sep 2009
David P. Bernstein
Independent
Downloads 50 (661,285)

Abstract:

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39.

Issues Impacting the Decision to Tax Part of Employer Health Insurance Benefits

Number of pages: 6 Posted: 30 Jul 2009
David P. Bernstein
Independent
Downloads 49 (667,031)

Abstract:

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tax, health reform, employer sponsorred insurance, benefits, premiums

40.

Growth of Vacant Residential Space: Evidence from the American Housing Survey

Number of pages: 7 Posted: 09 Jan 2011
David P. Bernstein
Independent
Downloads 48 (672,979)

Abstract:

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41.

A Centrist Health Care Plan

Number of pages: 19 Posted: 09 Oct 2018
David P. Bernstein
Independent
Downloads 47 (678,977)

Abstract:

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42.

Preliminary Results: The Impact of Low-Equity Housing Situations on Long Term Unemployment

Number of pages: 10 Posted: 23 Mar 2009 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 45 (691,364)

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housing, mortgages, unemployment, foreclosures, logistic model

43.

Does the Current Population Survey Overstate the Number of Uninsured Americans

Number of pages: 6 Posted: 08 Aug 2009
David P. Bernstein
Independent
Downloads 43 (703,921)

Abstract:

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Medicaid, uninsured, Current Populations Survey, Medical Expenditure Panel, Medicaid undercount

44.

Household Debt and IRAs: Evidence from the Survey of Consumer Finances

Journal of Financial Counseling and Planning, Vol. 15, No. 1, 2004
Posted: 04 May 2013
David P. Bernstein
Independent
Downloads 42 (710,568)

Abstract:

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Saving, Low income households

45.

Fixing the Affordable Care Act through the Tax Code

Number of pages: 15 Posted: 27 Sep 2020
David P. Bernstein
Independent
Downloads 41 (717,378)

Abstract:

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Taxes, Affordable Care Act, Health Insurance

46.

A Real Estate Note: The Relationship between Market and Population-Average Mortgage Rates

Number of pages: 7 Posted: 04 Dec 2010
David P. Bernstein
Independent
Downloads 40 (724,092)

Abstract:

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Mortgage, Refinance, Interest Rate, Foreclosure

47.

Part-Time Employment and Employer Sponsored Insurance (ESI) Coverage

Number of pages: 10 Posted: 03 Oct 2012
David P. Bernstein
Independent
Downloads 38 (738,071)

Abstract:

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employer sponsored insurance, underemployment, part-time employment, offer rate, take-up rate

48.

Down Payment Source and Home Sales: Evidence from the American Housing Survey

Number of pages: 4 Posted: 14 Dec 2010
David P. Bernstein
Independent
Downloads 38 (738,071)

Abstract:

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housing, down payment, home sales, housing demand

49.

How Does Diabetes Influence the Impact of Aging on the Probability of Employment?

Number of pages: 10 Posted: 18 Apr 2018
David P. Bernstein
Independent
Downloads 36 (752,245)
Citation 1

Abstract:

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Diabetes, Health, Social Security

50.

A Presentation: Issues Pertaining to Part-Year and Full-Year Health Insurance Coverage Gaps

Number of pages: 12 Posted: 23 Apr 2009 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 34 (767,049)

Abstract:

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health insurance, uninsured, health status, family income, coverage

51.

Real Estate Notes: Aging and the Mortgage Crisis

Number of pages: 5 Posted: 22 Nov 2010
David P. Bernstein
Independent
Downloads 33 (774,615)

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mortgages, housing, aging, demographics

52.

A Note on the Use of Estate Taxes and Payout Restrictions to Fund Multi-Pillar Pension Guarantees

Number of pages: 18 Posted: 21 Aug 2009
David P. Bernstein
Independent
Downloads 31 (790,164)

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Social Security, multi-pillar pension plans, defined benefit plans, defined contribution plans, estate taxes, guarantees

53.

Statistical Note # 3: Insurance Coverage Trends for Four Types of Health Care Services (1997 to 2007)

Number of pages: 5 Posted: 06 Mar 2010
David P. Bernstein
Independent
Downloads 21 (875,829)

Abstract:

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health insurance, hospitals, physicians, medical utilization

54.

Impact of the student-debt pause on the ability of households to make emergency payments

Number of pages: 11 Posted: 30 Sep 2023
David P. Bernstein
Independent
Downloads 16 (933,812)

Abstract:

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student debt, emergency fund

55.

Tax Competition in an Aging Society

Posted: 27 Mar 2009 Last Revised: 19 Mar 2012
David P. Bernstein
Independent

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states, population aging, taxation, capital gains, dividends, income taxes