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Hello.

The Cringely 2010 (Not in Silicon Valley) Startup Tour
Topic: Miscellaneous 10:43 pm EST, Feb  8, 2010

Starting next month I will be accepting from readers nominations for interesting startup companies in six general categories — biotech, energy, entertainment, information technology, materials, and transportation. Over the course of about six weeks we will examine and discuss as a community these nominated companies of which I am hoping there will be hundreds, primarily not from Silicon Valley or any other tech hotbeds. I’ll have some assistance in this process from the Kauffman Foundation.

Together we’ll whittle the number down to 24 then come June I will set off with my family in our RV to visit all 24. We’ll camp in the parking lot or in the driveway of the CEO and spend a couple days at each startup, learning about the company, the people, their technology and their market. I’ll take with me a small camera crew and we’ll produce what will begin with a summer of blogging and end with a 13-part TV reality series

The Cringely 2010 (Not in Silicon Valley) Startup Tour


The Web for Beginners
Topic: Humor 12:21 am EST, Dec 13, 2009

The web is a man with strange thumbs.

The Web for Beginners


RE: Fuck You Eric Schmidt
Topic: Miscellaneous 1:32 pm EST, Dec  9, 2009

Acidus wrote:

Google CEO Eric Schmidt: "If you have something that you don't want anyone to know, maybe you shouldn't be doing it in the first place,"

... ...

I was not pleased to hear that either, but I'm waiting for a full interview transcript for context before I get uber worked up.

Still, even out of context that is not a nice thing to say.

RE: Fuck You Eric Schmidt


Buzz n Click VI
Topic: Miscellaneous 11:04 pm EST, Dec  2, 2009

This year we are proud to present on Saturday, December 5th at The End the sixth installment of the Buzz & Click showcase of local live performance of electronic and experimental music (no DJ sets). The format of the show is 10 half-hour blocks of time starting at 9p and running until 2a in the morning with very tight (5 minute) turnaround between sets, so it’s nearly solid five hours of the best unusual music Nashville has to offer. This year’s lineup:

Synapse Trap 9-9:25 (Former Spun counter guy Tim Buchanan & friends mashing things up)
84001 9:30-9:55 (ambient duo Timothy Carey and Jimmy Thorn)
Styches 10-10:25 (Kyle Hammet and Kelli Shay from LYLAS on violins and other things)
Oliver Dodd 10:30-10:55 (deeply minimal electronics)
Jensen Sportag 11-11:25 (electro-pop duo Austin Wilkinson & Benji Craig)
Logickal 11:30-11:55 (solo laptop wizardry from co-founder Jeremy Dickens)
Bluff Duo 12-12:25 (prepared guitar and woodwinds from Brady Sharp and Dave Maddox)
DAAS 12:30-12:55 (Matt Pusti’s non-Makeup & Vanity Set IDM project)
Leslie Keffer 1-1:25 (opening act for Sonic Youth @ City Hall in 2008 brings her own noise)
Forrest Bride 1:30-until (supergroup of experimental musicians fronted by Ben & Amy Marcantel)

Tickets are $7 at the door (no advance sales, sorry.)

We will have brand new T-shirts and posters from this show and some from previous years for sale at the event. They're being done by Grand Palace so you know they will be amazing.

The End:
2219 Elliston Pl
Nashville, TN 37203-5205
(615) 321-4457

Buzz n Click VI


RE: CoreLogic: 1 in 4 Borrowers Are Underwater | The Big Picture
Topic: Miscellaneous 11:40 pm EST, Nov 24, 2009

Decius wrote:

23% of all mortgage borrowers in the US are underwater.

Imagine if they all walked.

Also:

Housing: Yes, That Was And Is A Train Wreck

The gross injustice in our nation today is that over the last twenty years we have increasingly forced borrowers who take out bad loans to not only go bankrupt but be unable to discharge their debt, so long as they are individuals. The corporate bankrupt, however, maintain their "corporate veil" and thus can file Chapter 11 - or 7 - with impunity.

This is the root of the problems in our economy. It is the root cause of the credit bubble. It is the root cause of the housing bubble and the ridiculously-pumped pulled-forward demand curve that is now inexorably collapsing, despite the protests of The Fed, Treasury and The Administration.

We will not return to a balanced economy capable of organic growth so long as this imbalance exists.

...

Recent analysis has shown that the FHA's "AUS TOTAL" decision-making program (computer-based underwriting) has been intentionally calibrated to produce unsustainable loans. Indeed, as I have documented FHA will provide an "approve" return on DTIs (when one includes the FHA "fudge factors") as high as 49% of gross income. This is clearly an unaffordable loan and is reflected in the current FHA delinquency and foreclosure rate which stands, at this point at more than one in five loans.

The true ugliness here is that these stats are far worse than they first appear. Why? Because more than half of the FHA total loan portfolio has been originated in the last two years.

Consider what this default ratio means given the portfolio composition, as there are only two possibilities - either the FHA is intentionally making loans that are defaulting quickly, within the first 24 months, or the older FHA loans are defaulting at an astronomical rate.

FHA is less-than-forthcoming when it comes to testimony before Congress on this point, and apparently, Congress has buried its head in the sand as well. Indeed, we have Congresspeople making statements that making dangerously-unsustainable loans is a "policy" intended to head off housing price declines.

But does and will it?

Does giving someone a loan that will foreclose in a year or two actually head off housing declines? Or does it simply bankrupt more Americans and defer the inevitable house price decline by a short period of time - a year or two at most, perhaps as little as a few months?

News that the FDIC fund is negative ~$8 billion does not reassure me that everything's okay. Seen those yields on 3 and 6 month treasuries lately? Effectively zero with speculation of heading into negative territory by year's end.

RE: CoreLogic: 1 in 4 Borrowers Are Underwater | The Big Picture


Wave of Debt Payments Facing US Government
Topic: Current Events 10:23 am EST, Nov 23, 2009

Treasury officials now face a trifecta of headaches: a mountain of new debt, a balloon of short-term borrowings that come due in the months ahead, and interest rates that are sure to climb back to normal as soon as the Federal Reserve decides that the emergency has passed.

Even as Treasury officials are racing to lock in today’s low rates by exchanging short-term borrowings for long-term bonds, the government faces a payment shock similar to those that sent legions of overstretched homeowners into default on their mortgages.

With the national debt now topping $12 trillion, the White House estimates that the government’s tab for servicing the debt will exceed $700 billion a year in 2019, up from $202 billion this year, even if annual budget deficits shrink drastically. Other forecasters say the figure could be much higher...

The United States will not be the only government competing to refinance huge debt. Japan, Germany, Britain and other industrialized countries have even higher government debt loads, measured as a share of their gross domestic product, and they too borrowed heavily to combat the financial crisis and economic downturn...

The White House estimates that the government will have to borrow about $3.5 trillion more over the next three years. On top of that, the Treasury has to refinance, or roll over, a huge amount of short-term debt that was issued during the financial crisis. Treasury officials estimate that about 36 percent of the government’s marketable debt — about $1.6 trillion — is coming due in the months ahead...

Wave of Debt Payments Facing US Government


RE: Ivy Zelman: “Home prices are going back down” « naked capitalism
Topic: Miscellaneous 2:48 pm EST, Nov 20, 2009

Decius wrote:

Unemployed people don’t have any money, so they don’t pay mortgages. It’s as simple as that.

http://www.nytimes.com/2009/11/20/business/20limits.html

Barney Frank is looking to extend the FHA limit by $100k and make it permanent.

Insanity.

RE: Ivy Zelman: “Home prices are going back down” « naked capitalism


HTTPWatch
Topic: Miscellaneous 10:52 am EST, Nov 11, 2009

Looks nice, haven't tried it yet but the rainfall diagram reminded me of Billy's Phreaknic talk.

HTTPWatch


RE: Zoompf: Or, Why I Left Security To Work On Web Performance
Topic: Miscellaneous 12:54 am EDT, Oct 31, 2009

Acidus wrote:
Today I'm launching Zoompf, a new kind of web performance company. We don't deploy sensors, simulate user load, or monitor your application from data centers around the global. We don't try to answer the question "How fast are my web apps?" We answer the next logical and frankly more important question: "How do I make my web applications go faster?"

Great talk tonight at Phreaknic and best of luck on the venture! You've given me a lot of things to think about already.

RE: Zoompf: Or, Why I Left Security To Work On Web Performance


RE: DARPA Network Challenge
Topic: Technology 9:47 am EDT, Oct 30, 2009

noteworthy wrote:
DARPA:

To mark the 40th anniversary of the Internet, DARPA has announced the DARPA Network Challenge, a competition that will explore the role the Internet and social networking plays in the timely communication, wide area team-building and urgent mobilization required to solve broad scope, time-critical problems.

The challenge is to be the first to submit the locations of ten moored, 8 foot, red weather balloons located at ten fixed locations in the continental United States. Balloons will be in readily accessible locations and visible from nearby roadways.

Hope they use something more verifiable than just red balloons. Seems pretty easy to spoof.

RE: DARPA Network Challenge


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