Author Archives: Jose L. Velez

P2P Lending: Experimenting with Lending Club

I’ve decided to dabble with Lending Club’s Note Trading platform.  I am skeptical that the secondary market will provide returns as good as those available to accredited investors who are able to originate the loans.  In fact, I think that … Continue reading

Posted in Finance, P2P Lending | 1 Comment

Democracy and Its Discontents

David Brooks of the New York Times just wrote an interesting piece about the political problems facing the United States and the European Union.  He writes that both the U.S. and the European Union are facing a situation where two political … Continue reading

Posted in Business, Democracy, Law, Macro, Politics, Ruminations, Society, Sociology | Leave a comment

The slowdown in China and what it could mean for Brazil.

The May/June issue of Foreign Affairs has an insightful analysis about the slowdown in China and what it could mean for Brazil’s economy. As most are aware, China has built an export oriented machine over the last decade that has … Continue reading

Posted in BRICS, Business, Economics, Globalization, Macro, Ruminations | Leave a comment

Lone Star State is a Pretty Good Place to Live & Work

Forbes reports that Texas has three of the best cities to work in the nation.  Dallas, Houston and Austin are among the top cities to earn a living while also keeping living costs down.   Being a native Texan for many … Continue reading

Posted in Daily News, Economics, Human Resources, Labor, Real Estate, Society | Tagged , , , | Leave a comment

Offshore Tax Havens: A Good Time to Reconsider

The Times reports today that France has obtained a list of 3,000 account holders at Swiss banks.  This is only days after France and Switzerland reached an agreement to exchange information on French citizens who hold Swiss bank accounts.  Just … Continue reading

Posted in Business, Daily News, Diplomacy, Economics, Globalization, Law, Politics, Taxes | Tagged , , , , , , , , , | Leave a comment

Can you do better than Bernanke & Co.?

The Federal Reserve Bank of San Francisco has posted a “Fed Chairman Game” on their website.  It lets you set monetary policy for 16 quarters. The game starts you off with the fed funds rate set at 4.50%, unemployment at … Continue reading

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Energy Aware Internet Routing

Technology Review reports today about a new energy aware internet routing process.  Some folks at MIT, Carnegie Mellon and Akamai looked into energy price fluctuations and data center loads across the country to see if there could be any cost savings to rerouting data … Continue reading

Posted in Arbitrage, Business, Economics, Energy, Real Estate, Ruminations, Statistics | Tagged , , , , , , | Leave a comment