jhulla

9 ms·

31.
by jhulla 10y ago
Housing is a taxpayer subsidized, inflation proof savings plan for the average citizen. It is also levered. Open this chart of historical mortgage rates and click 'max': https://fred.stlouisfed.org/graph/?g
32.
by jhulla 10y ago
Out of an abundance of concern for security, I use a Chromebook running without any browser extensions for all my banking and investing activities. I take it as a given that my Chromebook will always be more secure than my Macs and Windows
33.
by jhulla 10y ago
You are correct. I removed the "are".
34.
by jhulla 10y ago
These days, a significant portion of the mortgage industry is built on rapidly transferring risk onto the Federal Government. Even though agency bonds are sold on the open market, after 2008, we all know those are effectively insured by t
35.
by jhulla 10y ago
Public companies socialize their profits through tax, legal, labor and regulatory compliance. According to the article, Fannie and Freddie are being hit above and beyond those. This is quite unfair to the public shareholders. If Congress
36.
by jhulla 10y ago
Freddie and Fannie were the epitome of privatize the profits and socialize the losses. Since inception they've benefitted from lower capital and mortgage insurance costs due to their implicit government backing. In return, they'
37.
by jhulla 10y ago
Yeah - this is likely a place for Buffett to park some cash with sensible returns/risk for Berkshire. It is not likely to be Buffett jumping into the tech business. My guess is that Buffett's team looked generally at the risks wi
38.
by jhulla 10y ago
Alphabet isn't the only big corp down after hours today. As of now: Microsoft - down 5%. http://www.marketwatch.com/investing/stock/msft Visa - down 4% http://www.marketwatch.com/investing&#
39.
by jhulla 10y ago
"Perfectly valued" to me means that at that moment, the price reflects the actions of everyone. It includes the actions of all buyers/sellers who choose to participate and not participate, the regulators, as well as the medd
40.
by jhulla 10y ago
My point is simply a tautology: the price is the price. Now the price may change, someone may have their thumb on the scale, there may be shill bidders driving sentiment, etc. But at the moment you get a bid/ask spread, that is wha
41.
by jhulla 10y ago
To be pedantic: the market is perfectly valued at every moment. Of course market prices will change, sometimes very quickly. BTW, this is a great site for tracking S&P ratios: http://www.multpl.com/
42.
by jhulla 11y ago
IMHO, Yahoo Finance is a wildly undervalued asset. It has the deepest and highest quality data integration of any publicly available site. I use it every day. It has also been largely ignored for better part of a decade. Three areas wh
43.
by jhulla 11y ago
The only solution out of this paradox with respect to carbon fuels is taxation. Unfortunately, as much as we'd like, a global carbon tax regime is not practical, nor enforceable. So we're stuck.
44.
by jhulla 11y ago
Spot on. Addiction causes fundamental changes in the brain. Helping addicts is a complex process well beyond fining or imprisoning them. The goal is to reverse the addiction. It doesn't happen by punishing an addict. This is a us
45.
by jhulla 11y ago
With the massive drop in oil prices, global oil consumption and carbon emissions will continue to trend upwards. In aggregate, the American consumer is certainly not showing any concern for climate change: Americans Revert to Buying Gas Guz
46.
Early-stage companies, get ready to be punched in the face(venturebeat.com)
3 points by jhulla 11y ago|1 comments
47.
by jhulla 11y ago
Both energy and China are the big risks. It'll be interesting to see how much of their foreign reserves were used up in January. To some extent, it is easier for the Chinese to defend the on-shore yuan market (CNY) through capital co
48.
by jhulla 11y ago
Stop scaring the kiddos with your ghost stories. At least let them enjoy their weekend. The problem is shrinking global liquidity. Losses in the Chinese financial system and in the global energy sector are forcing governments, central ban
49.
by jhulla 11y ago
"No upside to a high price of gasoline." This is not true. In no particular order, and off the top of my head, the rapid disinflation in the price of oil is currently: 1. Wreaking havoc on the budgets of most oil exporting natio
50.
by jhulla 11y ago
Miners produce a stream of bits by consuming CPU cycles, energy, data centers and admins. First, China is a low cost producer across many product categories. It is not surprising that bitcoin mining is also on that list. Second, there ar
51.
by jhulla 11y ago
Among the many things the federal could fund, one would be an organization that would develop a uniform legal code governing self-driving cars for adoption across federal/state/local levels. This would harmonize definitions, re
52.
by jhulla 11y ago
Great summary of the current state of bitcoin. In the conclusion he states: "<i>Even if a new team was built to replace Bitcoin Core, the problem of mining power being concentrated behind the Great Firewall would remain.<&#x2F
53.
by jhulla 11y ago
I do not trust random devices that plug into my home network. All connected devices are on a 'guest' network and firewalled (openwrt) from my other machines. When I go to a cafe with my laptop, I run it in fully firewalled mode
54.
by jhulla 11y ago
Personal experience with ACA: As of 2016, we're onto our 3rd insurer. Each prior one has dropped our local doctors, physicians groups and hospital. With each insurance change, our deductible has gone up, our premium has increased an
55.
by jhulla 11y ago
Thanks. 1) Expecting a human to be on deck within some fraction of a second in challenging times will not fly. 2) Perhaps software in cars can be independently safety tested. Just like cars are collision tested today. 3) Understand about
56.
by jhulla 11y ago
Can someone with knowledge answer questions about the current state of autonomous cars: 1) What do these cars do in ambiguous driving environments: construction zones, poorly/under relined lanes, freshly paved roads, hazards, dark&#x2F
57.
by jhulla 11y ago
There is a key component missing from this proposal: what benefits will be cut? As written in the article: "this national basic income would replace all other benefit payments" There are many cases where unequal benefits payme
58.
by jhulla 11y ago
Insiders can file 10b5-1 plans - committing to a sales plan in advance. "These plans are widely used by officers and directors of public companies to sell stock according to the parameters of the affirmative defense to illegal insider
59.
by jhulla 11y ago
Part of the vetting process of tenants is simply this: will this person be thoughtful in my property. E.g. this person will not through negligence or malice destroy my walls, my plumbing, abuse the appliances, burn things in my oven. And
60.
by jhulla 11y ago
QE in Japan is another beast altogether. The Bank of Japan openly buys Japanese stock ETFs: http://www.bloomberg.com/news/articles/2015-10-28/owning-hal... Ponzi himself would blush in shame over this.

More ›