Given the dramatic events of the last week in regional bank land, I will share a few points that I think are interesting given where we stand right now.1) The $250,000 insurance limit is a mirageThere is a lot of discussion about the FDIC insured deposit limit of $250,000 (whether it is high enough, should be raised, etc) but let’s be honest, the limit is meaningless. The U.S. government has repeatedly shown it is willing to take extraordinary steps to prevent cracks in the financial system from cascading into catastrophe. It only took a weekend for leadership to guarantee 100% of all deposits held with Silicon Valley Bank and Signature Bank. Thus, in this political climate, there does not seem to be any reason to … [Read More...]
Real Estate Newsletter Articles this Week: "Average Length of Time from Start to Completion increased Sharply in 2022"
At the Calculated Risk Real Estate Newsletter this week:• Pandemic Economics, Housing and Monetary Policy: Part 2• Current State of the Housing Market; Overview for mid-March • Lawler: Early Read on Existing Home Sales in February• February Housing Starts: Average Length of Time from Start to Completion increased Sharply in 2022• Q4 Update: Delinquencies, Foreclosures and REO• 2nd Look at Local Housing Markets in FebruaryThis is usually published 4 to 6 times a week and provides more in-depth analysis of the housing market.You can subscribe at https://calculatedrisk.substack.com/Most content is available for free (and no Ads), but please subscribe! [Read More...]
Most Popular Dog Breeds in America
In a shocking turn of events in the world of dog owners and lovers, the French bulldog, or “Frenchie,” has ended the Labrador retriever’s 31-year reign as America’s favorite dog. That’s according to the American Kennel Club’s newly released list of most popular dog breeds in the country. For someone seeking to buy a dog, the options are seemingly endless, even for purebreds alone. The AKC lists about 280 breeds on its website. Some of the most popular breeds are of fairly recent origin, while others, like some hunting and herding breeds, would have been recognizable to Roman soldiers or Vikings. To identify the 50 most popular dog breeds in America, 24/7 Tempo reviewed “The Most Popular Dog Breeds of 2022,” published by the AKC on March 15 of … [Read More...]
Saturday links: t-shirt brands
EnergyWhy it makes sense to float solar panels in reservoirs. (wired.com)How data center heat could be used to heat swimming pools. (theverge.com)EnvironmentThe EPA is set to limit ‘forever chemicals’ in drinking water. (npr.org)Debunking the ‘natural’ explanations for rising global temperatures. (arstechnica.com)Why so many of Canada’s tornadoes go unseen. (nytimes.com)California ski resorts are seeing snow up to their ski lifts. (washingtonpost.com)Conditions are changing so quickly that forests can’t keep up. (npr.org)Americans are increasingly choosing cremation over burial. Composting comes next. (economist.com)Why doesn’t the U.S. recycle batteries? (reasonstobecheerful.world)AnimalsDid you know lions prowled North America for millennia before going extinct? (hakaimagazine.com)The Maine Lobstermen’s Association is suing the Monterey Bay Aquarium for defamation. (npr.org)How eating invasive Asian carp could … [Read More...]
Mysterious streaks of light seen in the sky over California
SOURCE: Yahoo News – Latest News & Headlines – Read entire story here.
This is America’s Favorite Cold War Movie
Some experts believe that the world is entering a new Cold War. On one side is NATO. On the other, depending on the issue, is either China or Russia. Certainly, U.S. relationships with both are at their worst level in decades. The invasion of Ukraine drives the collapse of ties with Russia. The rise of China’s military is the primary trigger. The last Cold War was a series of standoffs between the U.S. and the Soviet Union and lasted from 1947 until the Soviet Union was dissolved in 1990. (If you’re nostalgic for that period, these are nuclear silos, bunkers, and other Cold War sites to visit in the U.S.) Periods of friction between countries, particularly those that endangered each other and the world with … [Read More...]
Real Estate Newsletter Articles this Week: "Pandemic Economics and Housing"
At the Calculated Risk Real Estate Newsletter this week:• Pandemic Economics, Housing and Monetary Policy: Part I• Black Knight Mortgage Monitor: Home Prices Declined in January, “on pace to fall below 0% by March/April” • 1st Look at Local Housing Markets in February• “Home ATM” is Closing This is usually published 4 to 6 times a week and provides more in-depth analysis of the housing market.You can subscribe at https://calculatedrisk.substack.com/Most content is available for free (and no Ads), but please subscribe! [Read More...]
Saturday links: knowing yourself
AutosEVs are becoming price competitive with ICEs. (wsj.com)Do you really want to have to know who is the CEO of your car’s manufacturer? (nytimes.com)What is hampering GM’s ($GM) EV push? (wsj.com)The IRA is prompting VW to focus on the U.S. for battery production. (ft.com)Now Norway has built out its EV charging network. (reasonstobecheerful.world)Why public officials want to keep AM radios in EVs. (wsj.com)How EV range has increased over time. (flowingdata.com)E-bikesE-bike fires on the rise due to overnight charging. (wsj.com)New York City is looking to regulate indoor e-bike charging. (nytimes.com)EnergyThe first new U.S. nuclear reactor in a while has started up. (cnbc.com)Production is slowing at America’s biggest producing wells. (wsj.com)Europe has another … [Read More...]
Pence says Trump ‘endangered my family’ on Jan. 6
SOURCE: Yahoo News – Latest News & Headlines – Read entire story here.
The Best Horror Movies So Far This Century
Cinematic trends may come and go, but horror is the genre that just keeps on giving. Even when Hollywood is in a slump, a low or mid-budget horror movie comes out of nowhere to make an unexpected killing at the box office. The 21st century offers no shortage of examples, including everything from “A Quiet Place” to “The Purge” to “The Invisible Man” and more. Then we have the 21st-century horror classics that don’t necessarily rake in huge box office numbers but go on to become the stuff of legend. Even the genre’s most casual fans are surely acquainted with titles such as “It Follows” or “The VVItch,” to name just two examples. Along similar lines are micro-budget thrillers like 2013’s “Coherence” or 2009… [Read More...]
Real Estate Newsletter Articles this Week: "Price-to-rent index is 7.1% below recent peak"
At the Calculated Risk Real Estate Newsletter this week:• Case-Shiller: National House Price Index “Decline Continued” to 5.8% year-over-year increase in December• Year-over-year Rent Growth Continues to Decelerate • Freddie Mac House Price Index Declines for 7th Consecutive Month in January• Lawler: AMH Net Seller of Existing Single-Family Homes, “Investor” Home Purchases Plunged• Inflation Adjusted House Prices 3.9% Below Peak Price-to-rent index is 7.1% below recent peak• Measures of Shelter in the CPI and PCE price indexes Still IncreasingThis is usually published 4 to 6 times a week and provides more in-depth analysis of the housing market.You can subscribe at https://calculatedrisk.substack.com/Most content is available for free (and no Ads), but please subscribe! [Read More...]
Saturday links: in pursuit of self-compassion
EnvironmentHow carbon credits have made biochar into a viable business. (wsj.com)Your toilet paper is full of forever chemicals. (fastcompany.com)Not every glacier is falling apart. (sciencenews.org)TechnologyHow AI will change, i.e. break, the business of search. (slate.com)ChatGPT will make misinformation easier and more impressive. (msn.com)ScienceWhat cosmologists are learning from the JWST. (quantamagazine.org)Why the Hubble Space Telescope is under threat from new satellites. (nytimes.com)Startup Astroscale is looking to eliminate space debris. (barrons.com)AnimalsDon’t discount the long term impact of the disappearance of insects. (modernfarmer.com)On the downside of an early Spring for pollinators. (thecooldown.com)Why mink are a (viral) risk for humans. (msn.com)The Atlantic redfish is making a comeback. (hakaimagazine.com)Where in the world humans are at-risk of attack from … [Read More...]
Woman reported missing 31 years ago found in Puerto Rico
SOURCE: Yahoo News – Latest News & Headlines – Read entire story here.
Real Estate Newsletter Articles this Week: "New Home Average Prices Down 5.3% Year-over-year"
At the Calculated Risk Real Estate Newsletter this week:• New Home Sales Increase to 670,000 Annual Rate in January New Home Average Prices Down 5.3% Year-over-year• NAR: Existing-Home Sales Decreased to 4.00 million SAAR in January• Final Look at Local Housing Markets in January• First time ever more “Built-for-Rent” Units started Quarterly than “Built-for-Sale”This is usually published 4 to 6 times a week and provides more in-depth analysis of the housing market.You can subscribe at https://calculatedrisk.substack.com/Most content is available for free (and no Ads), but please subscribe! [Read More...]
States With the Most Cancer Cases Linked to Alcohol
Although cancer deaths continue to drop, the disease remains the second most common cause of sickness-related fatalities in the U.S. after heart disease, the American Cancer Society reports. Between 1991 and 2019, the cancer mortality rate declined 32%, amounting to 3.5 million fewer cancer deaths than expected. The decrease is believed to be mostly due to a decline in sm?king. While cigarettes are to blame for lung, mouth, larynx, and throat cancers, however, alcohol is a leading cause of several deadly cancers, too. The National Cancer Institute points to alcohol as the chief cause of head and neck, esophageal, liver, breast, and colorectal malignancies. Based on statistics from 2009, the Institute estimates 3.5%, or about 19,500, of cancer deaths in America were due to alcohol consumption. The high percentage of … [Read More...]
Saturday links: sharing and generosity
AutosBy any measure, too many Americans die on the roads. (ft.com)Are electric pickup trucks all that much better for the environment? (nytimes.com)It’s hard to make a big SUV green, no matter the power plant. (fastcompany.com)TransportGarbage trucks are an ideal target electrification. (electrek.co)Why electrifying trucks at ports makes a lot of sense. (grist.org)EnergyHow to turn data center heat into usable heat. (reasonstobecheerful.world)How batteries are keeping Ukrainians online. (wired.com)EnvironmentClimate migration is already happening. (theguardian.com)Grazing sheep do more than just eat grass. (sciencedaily.com)REI is eliminating PFAS chemicals from its products. (grist.org)ScienceWhat researchers hope to learn by drilling even deeper into the Earth’s mantle. (wsj.com)Why we should heed the warnings of paleotsunamis. (theatlantic.com)TechnologyYounger Americans are increasingly using Apple ($AAPL) … [Read More...]
Mexican president posts photo of what he claims is an elf
SOURCE: Yahoo News – Latest News & Headlines – Read entire story here.
The Oldest Living Veterans of WWII
The survivors of World War II, the most horrific conflict in human history, are dying quickly as the cohort grows older and older. According to the Department of Veteran Affairs, an average of 234 American veterans of the war pass away each day. The National WWII Museum in New Orleans reports that as of the end of 2022, there were 167,284 American veterans still alive from among the nearly 16 million who served in the nation’s military during the war. The DVA expects that number to be less than 100,000 by 2024 and under 50,000 by 2026, (Worldwide figures are difficult to come by.) While some veterans entered the war at the age of 18 (sometimes younger in some places) and would thus be in their late 70s or early 80s today, depending on when … [Read More...]
Real Estate Newsletter Articles this Week: "Near Record Number of Housing Units Under Construction"
At the Calculated Risk Real Estate Newsletter this week:• 3rd Look at Local Housing Markets in January Lawler: Early Read on Existing Home Sales in January• January Housing Starts: Near Record Number of Housing Units Under Construction• Current State of the Housing Market: Overview for mid-February• Update: Some “Good News” for Homebuilders• 2nd Look at Local Housing Markets in JanuaryThis is usually published 4 to 6 times a week and provides more in-depth analysis of the housing market.You can subscribe at https://calculatedrisk.substack.com/Most content is available for free (and no Ads), but please subscribe! [Read More...]
Saturday links: staring at screens
EVsRange anxiety isn’t going away, even if we spend more money. (msn.com)Under pressure, Tesla ($TSLA) is opening its charging network to non-Tesla owners. (politico.com)EVs are on their way to becoming boring. Which is a good thing. (theatlantic.com)EnergyThe Yellowstone supervolcano is a untapped energy source. (marginalrevolution.com)How droughts put hydropower projects at-risk. (slate.com)Just how good were Exxon’s ($XOM) climate change models? (grist.org)Why cargo ships are bringing back sails. (fastcompany.com)EnvironmentHow the IRA jump started the climate finance industry. (semafor.com)What the NOAA is doing to study solar geoengineering. (science.org)Plants are rushing up the slopes of North American mountains. (newscientist.com)ScienceThere is no reliable earthquake prediction system. (npr.org)Do massive black holes explain the mystery of dark energy? (kottke.org)Five insights … [Read More...]
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