What are
/r/REBubble's
favorite Products & Services?
From 3.5 billion Reddit comments
The most popular Products mentioned in /r/REBubble:
The most popular Services mentioned in /r/REBubble:
AccuWeather
Schwab
Careerbuilder
Asana
Lucidchart
Kraken
Robinhood
The most popular Android Apps mentioned in /r/REBubble:
The most popular reviews in /r/REBubble:
This is actually a really complex topic, which will have some news about it soon due to the upcoming SCOTUS ruling on Yellen vs. Collins.
Perhaps the best retail-oriented history of mortgage finance in the US, from back when slave counts were used to finance land acquisition to items of more recent memory, is Tim Pagliaria's book on the conservatorship of Fannie Mae and Freddie Mac https://www.amazon.com/gp/product/B08PPY534D
Short answer is that mortgage payments right now partially keep the government afloat.
https://www.careerbuilder.com/advice/average-salary-by-city
DC is #4 in average salary, ahead of Seattle and NYC. What does that tell you if it's still so high, even with so many of lower payscaled govt salaries lowering the average?
Also, I don’t think it hasn’t rained here a day in the last 6 weeks. We’ve had ongoing flood warnings and many roads flooded out.
Storms on Friday, Saturday could bring flooding, over 2 inches of rain to most of metro Phoenix
Phoenix, Las Vegas face flooding storms from surging monsoon
I don’t think it hasn’t rained here a day in the last 6 weeks. We’ve had ongoing flood warnings and many roads flooded out.
Storms on Friday, Saturday could bring flooding, over 2 inches of rain to most of metro Phoenix
Phoenix, Las Vegas face flooding storms from surging monsoon
Sure, I'll take a look. In the meantime here is one you should take a look at:
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https://www.amazon.com/Dealing-Reality-Alora-Huffman/dp/1520974531
I like this app called Photo Layers. Let's you make layers, has a good smart erase tool. Ads after you finish your project.
https://play.google.com/store/apps/details?id=com.handycloset.android.photolayers
My job title is “product manager.” But it is also known as product owner.
Here is a decent definition of the role. Note that the word product in this description refers to software. Like an app or a program.
There's actually an incredibly helpful book that talks to this and its always on my bookshelf. How to Prepare for Climate Change by David Pogue shows that the general principles are to either move "up" or north.
The theory is that Climate Change doesn't just make the temperatures hotter but changes your areas' typical climate and seasonal weather more volatile. So if you're in SoCal it is not only getting hotter but also drying, making the forest fire situation that much worse. Moreover, if you have an El Nino event, it might swing more violently the opposite way with an even wetter year, causing mudslides and flooding.
The trick is to move North to areas where the climate will not be affected that much by climate change. This includes areas like: 1) the Great Lakes area 2) the Rust Belt 3) the PNW (west of the cascades) and the extreme upper NE (Maine, NH, and Vermont). Or, if you want to stay in the same areas, move up to higher elevation. Places like the the Rockies will fare well. Notice how in the South the Smoky Mountains are doing better than the areas east or west of them.
That's alright, mortgage finance is an overwhelmingly complicated topic that I feel many of our own govt officials don't even properly understand.
Recommended reading: https://www.amazon.com/Another-Big-Lie-Government-Ownership/dp/1950863298/
>Having a Zoom meeting with a dozen or so people is difficult.
No it isn't. I have Zoom meetings daily with 12 or more people. We do everything from code reviews, to cross training, to architecture work using tools like LucidChart.com etc..
Fed Up by Danielle DiMartino Booth
Fair warning, you will kinda hate the Fed after it. Not the concept of the Fed, just their incompetence.
From a slightly different angle. The fall of Bear Stearns and a lot of tie ins to the financial institutions that caused the 2008 crash.
https://www.amazon.com/House-Cards-Hubris-Wretched-Excess/dp/0767930894
https://www.amazon.com/Real-Estate-Boom-Will-Bust-ebook/dp/B0012SMGME
Why the Real Estate Boom Will Not Bust - And How You Can Profit from It, by David Lereah, Chief Economist at NAR, Pub Date 2007
Southern California was literally built on the premise of being a giant suburb. To understand why it is the way it is, check out The Reluctant Metropolis by Bill Fulton.
someone on this sub recommended this book: https://www.amazon.com/Great-Depression-Diary-Benjamin-Roth/dp/1586489011
literally one of the most interesting economic histories I've ever read, absolutely worth the time to read through it.
shit never changes. idiots (greedy fools and bad fiscal policy) blow bubbles, panic, then plunge us all into misery. over and over and over and over, we never learn.
this book is written from the perspective of a lawyer in youngstown ohio in his early 30s at the start of the depression. he keeps detailed records and describes the mood, news, stock prices, economic activity, and little anecdotes. it's fascinating to see how the political and economic issues experienced during that time are incredibly relevant to today.
the greediest and most highly leveraged people are about to go through so much pain, but it's looking increasingly like they will take a lot of us down with them. my main take away from the book is to basically keep a lot of cash despite inflation, and buy only large cap, preferred stocks with low P&E ratios and high dividends and/or federal government bonds. you won't get rich but you will stay OK.
There's also a really good book on the subject called "Bad Paper." I read it a few years ago, and it was eye-opening to say the least.
> Software runs the ambulance systems, software created the dashboard to monitor the sanitation filtering of the hospital air, software organized the data to find the percentage of survival. Google is creating AI data to find patterns in DNA structures to predict illness. Tech will automate doctors out of work soon.
That sounds great but that picture isn't nearly as rosy as you make it sound. Barbara Ehrenreich's Natural Causes goes into some of the many problems with the technological approach to medicine.
I bought a mattress on Amazon April of 2018 for $189. For fun, I went back recently to check the price: it’s $349 now
you're welcome! ah, discord is free btw, it's just like skype/zoom but a bit better and more community-focused. that said if you do want to buy it instead of streaming/screen-sharing you can find it on Amazon: https://www.amazon.com/Big-Short-Christian-Bale/dp/B01995O5OS.
Nice find! He took over from David Lereah who published this piece of dogshit in 2005:
https://www.amazon.com/Are-Missing-Real-Estate-Boom/dp/0385514344
“Lereah calls today’s market a “once-in-every-other generation opportunity.” Today's boom is not just driven by low interest rates—there are a host of demographic and economic reasons why real estate will continue to outpace other investments, from the growing needs of the baby-boomer generation and the rise of the “echo” boomer generation to the new ways real estate is marketed and sold. “
Sound familiar?
For what it’s worth I don’t deny that there are cycles.
You might find the secret life of real estate and banking an intriguing read. You can also find a video on YouTube where the author summarizes it.
I never said that variable interest rates were at pre 2008 levels at all. I said people are still taking variable interest rate loans.
Here’s 3 common ways to borrow against existing assets for a new home: https://www.schwab.com/resource-center/insights/content/3-ways-to-borrow-against-your-assets
You can even cash out your ROTH IRA when using it to buy a home penalty free, and the first $10k of profits aren’t taxed.
Evergrande has a lot to do with real estate when peoples retirements are tied to international bond markets. When Wall Street falls so does the home market and Vice Versa (though I will concede that the dot com bubble didn’t effect housing as much, even though it did hurt a bit).
Appraisals are based on comps and on what other houses are being sold for, and when people are paying far beyond the houses worth (in terms of offers) it evaluates the surrounding house estimates.
I’d say more but my wife is eyeing me to go to bed. Would love to talk further in depth about this tomorrow.
Again, this is you being full of shit. For anyone who’s not a dumbass and actually wants to learn about how much BS is behind organic marketing, I recommend: Organic: A Journalist's Quest to Discover the Truth behind Food Labeling https://www.amazon.com/dp/0762790717/ref=cm_sw_r_awdo_navT_a_5T8JQP9GQDPARCT6ZWPG
If you’re interested in what happened in the 2008 financial crisis this is the book for it
The Return of Depression Economics and the Crisis of 2008 https://smile.amazon.com/dp/0393337804/ref=cm_sw_r_cp_api_glt_i_F6FS7KFBVNY15GW24RAV
Not even wallpaper. A vinyl sticker, $2.50 per sq ft on Amazon and takes 5 minutes to put on. But oh, it, must add $30K value to the house!
https://www.amazon.com/Art3d-10-Piece-Backsplash-Bathroom-BrownTile/dp/B07T4G6469
Yes this is a solid technique if you have the assets.
If you look at the rates they are quite low. For example:
https://www.schwab.com/pledged-asset-line
If you have more than $2.5MM in assets you can get rates as low as 1.75% + .12% = 1.87%
Generally speaking you don't get 100% of the assets you pledge due to risk. And yes you can be margin called on it.