A slide deck on the Bubble and Crisis

Here is a slide deck introducing my work on the housing bubble and the financial crisis.

(Here is a policy paper that also introduces the basic premise of the work.)

It includes several pages outlining the basic facts that this new understanding is based on.

The last few slides cover more technical issues about prices, rents, and how this new understanding can be used to reconsider the quantitative factors that are currently affecting the housing market.



76 comments:

  1. I can't get this document through the firewall at work. Any chance I can a) get a copy and b) is there a video of you presenting it? Not all is clear.

    ReplyDelete
    Replies
    1. Here is a youtube video of a similar set of slides with a voice over.
      https://youtu.be/0vviVDWjzmA
      E-mail me using the link in the right hand margin and I can send you the pdf file of this slide deck.

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    2. This comment has been removed by a blog administrator.

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    we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.

    DESCRIPTION OF INSTRUMENTS:
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    2. Total Face Value: 10M MIN to 50B MAX USD or Euro
    3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
    4. Age: One Year, One Day
    5. Leasing Price: 4 1%
    6. Sale Price: 32 2%
    7. Delivery by SWIFT .
    8. Payment: MT103-23
    9. Hard Copy: Bonded Courier within 7 banking days

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.

    Name:May Gary
    Email:algecoglobalfinanceplc@gmail.com
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    ReplyDelete
  24. We Facilitate Bank instruments SBLC for Lease and Purchase. Whether you are a new startup, medium or large establishment that needs a financial solution to fund/get your project off the ground or business looking for extra capital to expand your operation,our company renders credible and trusted bank guarantee provider who are willing to fund and give financing solutions that suits your specific business needs.

    We help you secure and issue sblc and bank guarantee for your trade, projects and investment from top AA rated world Banks like HSBC, Barclays, Dutch Ing Bank, Llyods e.t.c because that’s the best and safest strategy for our clients.e.t.c




    Interested Agents,Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request.



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    ReplyDelete
  25. Hi it's another Xmas countdown, take good change of this advantage DISCOUNT by settling you bills etc!! HACKING CARD/ LOANS FROM CARD TO CARD.
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    ReplyDelete
  27. Dear Sir/Ma,

    We are genuine certified Financial Instrument providers. Presently, we only focus on BG/SBLC for Lease and purchase purposes. Our Lease BG/SBLC is 4+2% and purchase at 32+2%.

    * FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    * FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Kindly contact us for our procedures and be sure that we shall respond within 48hrs maximum.

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    MOLLY QUINN
    E-mail : airbusfinancialltd@gmail.com
    Skype id : airbusfinancialltd@gmail.com

    ReplyDelete

  28. Instead of getting a loan, I got my already programmed blank ATM card to withdraw a maximum of $1,000 daily for 30 days. I am so happy about this because i got mine last week and I have used it to get $20,000. Mr Mike is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other people pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from him i fully recommend him. Just send him an email on (blankatm156@gmail.com )

    ReplyDelete

  29. Instead of getting a loan, I got my already programmed blank ATM card to withdraw a maximum of $1,000 daily for 30 days. I am so happy about this because i got mine last week and I have used it to get $20,000. Mr Mike is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other people pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from him i fully recommend him. Just send him an email on (blankatm156@gmail.com )

    ReplyDelete
  30. No you do not have to pay an enormous amount to get your credit issues fixed. I have been struggling for years with old credit card debts as well as some collections on my report which is putting me on the verge of losing everything I own. I have limited time to settle debts and I couldn't stop worrying. I went on credit repair forums and read about Rod, a professional at what he does. He is the one to turn to in situations like mine. I wrote him via CREDITSMARTSPY @ GMAIL DOT COM +1(305)-912-6941 and he was able to increase my credit score and delete all collections within days. I am the happiest person in the world now. thanks Rod.

    ReplyDelete

  31. Am very glad to share this testimony with everyone for the marvelous work Dr LOSA has done for my life, 6 months ago i was diagnosed with Hepatitis B and ever since then i have been very unhappy, i was so down broken everyday, until one day when i came across a shocking testimony about how Dr LOSA cured someone of his herpes virus, without wasting much time i contacted him immediately on his email address: dr.losaherbalhome@gmail.com and after i explain myself to him about how terrible i have been, and he assure me that he will help me to cure my Hepatitis B ,after he has prepared the herbal medicine he sent it to me and when i have received it and started using it i was totally cure within 2 weeks, i am forever grateful to Dr LOSA for helping me out with his herpes prescription that cured my virus. contact his email address: dr.losaherbalhome@gmail.com or you can call or whatsApp his Mobile number:+23489056464736.
    stay blessed......
    HE ALSO HAVE THIS CURE
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    {5} HPV
    {6} ALS
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    {9} IF YOU NEED YOUR EX LOVER BACK TO LOVE YOU AGAIN.
    https://drlosaherbslhome.wordpress.com

    ReplyDelete
  32. We are genuine certified Financial Instrument providers. Presently, we only focus on BG/SBLC for Lease and purchase purposes. Our Lease BG/SBLC is 4+2% and purchase at 32+2%.

    Kindly contact us for our procedures and be sure that we shall respond within 48hrs maximum.

    For further inquiry contact: ANDREW ROBERT CARTER
    Skype: acf5bce0289dc27b
    Email: acarterrobertandrew9@gmail.com

    ReplyDelete
  33. i was diagnosed 2011. i was diagnosed with the bulbar form of ALS and was given one year to live. My symptoms progressed quickly. Soon i was having difficulty breathing, swallowing and even walking short distances. With the help of Rich Herbal Garden natural herbs I have been able to reverse my symptoms using diet, herbs, which i feel has made the most difference. The ALS natural formula immensely helped my condition, it reversed my ALS. my slurred speech. And then the inability to eat without getting choked, breathing, and coughing. gradually disappeared. Visit RICH HERBAL GARDENS via their official web-site www. Richherbalgardens. com. I’m now playing golf again. and i turned 69 today. i am glad to get my life back DON’T GIVE UP HOPE!!!

    ReplyDelete
  34. Am here to appreciate Dr Oliha for using his herbal medicine to cure my Herpes virus. since 4years now I have been living with this virus and it has been giving me challenges, I was so perplexed cause i have been taking several drugs to be cured but all of my effort was in vain,one morning i was browsing through the internet then i saw several testimonies about Dr. Oliha curing people from Herpes virus and immediately i contacted Dr. Oliha on his email: oliha.miraclemedicine@gmail.com   , i told him about my troubles and he told me that i must be cured, gave me some instructions and which i rightly followed. so he prepared a herbal medicine for me and sent it to me which i used for 2 weeks and everything was like a dream to me and my Herpes virus was totally gone, why don't you contact him today and be free from your diseases because he is very good and honest Doctor. contact him via email; oliha.miraclemedicine@gmail.com   or whatsApp him on +2349038382931

    ReplyDelete
  35. Dear Sir/Ma,

    We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.

    * FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    * FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    ENNIE OWEN
    E-mail : evergrowthfinancialltd@gmail.com
    Skype id : evergrowthfinancialltd@gmail.com


    ReplyDelete
  36. Very interesting read. I've suffered with herpes ever since I was a child but it's only been the last few years I discovered that  I have genital herpes. So I started looking for a way to get cure permanently from this deadly virus I visited so many hospitals in search for a solution but it never worked out.so I started searching for cure to my herpes virus.Few month ago I came across a site where a lady was sharing a testimony about Dr OHIKHOBO about how he cured herpes and all kinds of diseases with is natural herbs so I decided to give it a try so I email the Dr he told me how I was going to get the herbs so I did as he instructed few days later I received the  herbs and I started taking the herbs as instructed by the Dr.I was shocked two weeks after when my doctor told me that I was free from herpes so I decided to let the world know how I was cured from herpes by Dr OHIKHOBO you can reach him through his email: drohikhoboherbalcenter@gmail.com or his whatsap number +2348103601042 if you want cure for herpes or any of the disease listed below because the Dr says he also as cure for them.1.CANCER2.HEART FAILURE3.DAIBETES4.HPV5.EX BACK6.LOTTERY LUCKY NUMBER7.GENITAL WARTS

    His email:drohikhoboherbalcenter@gmail.comHis whatsap number: +2348103601042

    ReplyDelete
  37. I almost gave up on ever getting cured of HIV VIURS because i have try many treatment none of them work out for me i have go to different hospital they always tell me same thing there is no cure for HIV when i came across a post about Dr OSAGIE, in the net from a lady called Angela i contacted him and he reassured me with him herbal medicine which i took according to the way he instructed, that how i was cured. I doubted at first because i have been to a whole lot of reputable doctors, tried a lot of medicines but none was able to cure me. so i decided to listen to him and he commenced treatment, and under two weeks i was totally fee from #HIV V`IURS i want to say a very big thank you to DR OSAGIE for what he has done in my life. feel free to leave him a message on email his email: ( OR
    ) and also his wesite https://drosagiesolutiontemple.weebly.com
    WhatsApp
    him +2347030465649..
    He can still be able to help you with this herbs medicine:
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    HPV CURE
    LUPUS CURE
    HEPATITIS CURE
    CANCER CURE
    thank you my great dr .,,

    ReplyDelete
  38. The Great Dr.OLIHA Herbal medicine is a good or perfect cure remedy for HIV Virus, I was diagnose of HIV for almost 5 years, everyday i am always on research looking for a perfect way to get rid of this terrible disease as i always knew that what we need for our health is right here on earth though the scientist say there is know cure for this disease,on my search I saw some different testimony on how Dr. OLIHA has been able to cure HIV with is herbal medicine. I decided to contact this man, I contacted him and he guided me on how to purchase for the medicine. I asked him for solutions and he started the remedies for my health. Thank God, now everything is fine, I’m cured by Dr. OLIHA herbal medicine, I’m very grateful to Dr. OLIHA, reach him now on (oliha.miraclemedicine@gmail.com ) or you can also call him on +2349038382931.
    Dr. OLIHA Also Cures:1. HIV/AIDS2. HERPES 1/23. CANCER4. ALS (Lou Gehrig’s disease)5. Hepatitis B6. chronic pancreatic7. Emphysema8. COPD (Chronic Obstructive Pulmonary Disease)9. Asthma10.Acute angle-closure Glaucoma11. Diabetes12.CHRONIC PANCREATIC13.CHLAMYDIA14.ZIKA VIRUS

    ReplyDelete
  39. I want to thank Dr Harry for helping me get cure of my HERPES SIMPLEX VIRUS, for like 3 yrs Now I have been suffering from HERPES SIMPLEX, but one day as I was searching through the Internet I met a post about a woman called Tina i called her cause she was from my country Netherland who was cured by Dr Harry so I decided to give it a try to see if he could save my life Luckily for me I was cured by him. I cannot stop thanking him for what he has done for me if you are into similar problem Dr Harry is a great herbalist that treats and cure all manner of diseases like Herpes, HIV, Cancer, Syphilis, Hepatitis B, all types of Cancer, Gonorrhea, and solves life's problems that you might have etc.contact him today and he will help you solved your problem his email Dr Harry @ drharryherbs@gmail.com or contact him on what-apps +2349033111567 once again all thanks to Dr Harry who help me save my life from sadness to happiness.

    ReplyDelete
  40. Do you need a loan? Does your firm, company or industry need financial assistance? Do you need finance to start your business? Do you need personal loan? Loan for your home improvements Mortgage loan Debt consolidation loan Commercial loan Education loan Car loan Loan for assets. Contact us today with for your loan request contact us:: markthomasfinanceltd@gmail.com
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    ReplyDelete
  41. A lot of Americans suffers credit errors because they haven’t met the right one to help them out, so they go ahead falling into the wrong side. I was once a victim of that scandal but after I made the right choice by contacting HACKNET to fix my credit which he did exactly what I was expecting he got all the items in collections, hard inquires, loans, medical bills, bank judgment out of my report and boost my score from 510 to 780 plus and everything is now working perfectly on my credit and I got approved for the capital one credit card I applied for. He is also good in fixing all kinds of hacking issues and repairing of Chex Systems. If you need to reach him out please kindly contact him now with the following details.
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  42. Get your credit cleaned with the help of a reliable hacker. He's tested and trusted. I had a very low credit score (around 520) and it was ruining my life. I needed help. I was very depressed because of it and had been trying to repair it but It just seems nothing was capable of getting my score raised quickly. I needed something done fast. I had read a lot of good things about this hacker online which gave me a go ahead to try him out. I almost gave up my search for a real hacker because I kept meeting fake hackers who are always after the money, I've been conned by them. Hackinvade  is not about the money but about attaining a good reputation at always satisfying his customers. This is my way of showing appreciation for a job well done on my credit report. Reach out to him for help at hackinvade AT gmail DOT com or his phone # 256-294-4701.  

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  45. I don't know the exact reason for getting herpes virus but while suffering on the internet I came across Beyond Simplex Reviews and this product claims to be natural for the treatment of herpes virus.

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  46. Hello everyone I got an amazing credit score all thanks to HACKNET CREDIT SPECIALIST I came across him on different credit forum, Hacknet make it easy and I got huge difference to my financial success. Most people don't have a clue on how credit agencies works. This is how it works guys, before working with credit film I had a credit score of 510 to 585. I went looking for a loan from Metro Credit Union and they told me to pay my debt to Bank of America first which was about $7,200.I called the credit bureaus and asked them for a credit report. I found out I had about 5 negative items with late payments on my report and this makes me worried lucky for me to come across HACKNET service who cleared all the negative items on the report late payment marked as paid and raised my score to 820 excellent that's was amazing because he also cleared my debt. Please kindly email him via HACKNET567@GMAIL.COM you can also text +1 (949) 397 8437 or chat him up with his direct WhatsApp number +1 (701) 975 0405 because I normally talk to him on WhatsApp please tell him Wilfred referred you to him. Thanks and Stay Safe!!!

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  47. I'm recommending Dr Osato to everyone who have herpes simplex virus to get the cure from him. I was diagnose of genital herpes in 2019 and i have been searching and asking questions to see if i could get something to cure the disease because i did not believe what the doctors say that no cure is found yet. I came across a comment on Youtube and the person testify how she was cured from herpes and hpv after using Dr Osato herbal medicine. I quickly contact Dr Osato and explain my problem to him and he prepare the herbs and send it to me through UPS and gave me instructions on how to use it and tell me to go for checkup after usage which i did after two weeks of taken the herbal medicine and my result was NEGATIVE. I waited another month and retested the result was still NEGATIVE and my doctor told me that am completely free from herpes. Am so happy and grateful to Dr Osato for what he has done for me and i will continue to share this for people out there to know that there is cure for herpes. You can contact Dr Osato on email and WhatsApp to get the cure from him. Email: osatoherbalcure@gmail.com and WhatsApp +2347051705853. 

    ReplyDelete

  48. I was all in debt and was confused about what to do with my life until i found this great hacker on the internet with wonderful reviews in different blog about credit repairs and how good he is. So i contacted him and explained all my problems to him and i was surprised when he said he's ready to help me with the little money i have with me. He help me clear all the negative items and the Eviction on my credit report, late payment were marked as paid and increase my credit score to 795 excellent and i got approved for car loans, house loans and all. He also help me clear all my credit cards debts. He's real, honest and affordable. Kindly contact him with the following details and get your credit fixed fast.
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    ReplyDelete
  49. I'm tom kingsley,USA.It's been a while since I've
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    about his herbal medication to cure HERPES and gave me his
    email:drohikhoboherbalcenter@gmail.com , so i mail him. He told me all the
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    And you also want cure, you can also email him at:drohikhoboherbalcenter@gmail.com or through his WhatsApp +2348103601042

    ReplyDelete
  50. I'm tom kingsley,USA.It's been a while since I've
    written to thank Dr OHIKHOBO who helped me in my
    life. I was infected with HERPES SIMPLEX VIRUS in 2016, i went to many
    hospitals for cure but there was no solution, so I was thinking how can I
    get a solution out so that my body can be okay. One day my Aunt Rosa
    introduce me to Doctor OHIKHOBO having seen so many testimony online
    about his herbal medication to cure HERPES and gave me his
    email:drohikhoboherbalcenter@gmail.com , so i mail him. He told me all the
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    followed properly. Before I knew what is happening after one weeks the
    HERPES that was in my body got vanished. so if you are you are having
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    *HIV
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    *GENITAL WARTS*LUPOS VIRUS*CHLAMYDIA
    And you also want cure, you can also email him at:drohikhoboherbalcenter@gmail.com or through his WhatsApp +2348103601042

    ReplyDelete
  51. I'm tom kingsley,USA.It's been a while since I've
    written to thank Dr OHIKHOBO who helped me in my
    life. I was infected with HERPES SIMPLEX VIRUS in 2016, i went to many
    hospitals for cure but there was no solution, so I was thinking how can I
    get a solution out so that my body can be okay. One day my Aunt Rosa
    introduce me to Doctor OHIKHOBO having seen so many testimony online
    about his herbal medication to cure HERPES and gave me his
    email:drohikhoboherbalcenter@gmail.com , so i mail him. He told me all the
    things I need to do and also give me instructions to follow, which I
    followed properly. Before I knew what is happening after one weeks the
    HERPES that was in my body got vanished. so if you are you are having
    herpes or any kind of disease listed below
    *DIABETES
    *CANCER
    *STROKE
    *INFERTILITY
    *HEART DISEASE
    *HIV
    *COLD SORES
    *GENITAL WARTS*LUPOS VIRUS*CHLAMYDIA
    And you also want cure, you can also email him at:drohikhoboherbalcenter@gmail.com or through his WhatsApp +2348103601042

    ReplyDelete
  52. Hi
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    ReplyDelete
  53. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
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    FOR LEASING OF BG/SBLC
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    ReplyDelete
  54. Greetings everyone out there I’m Cortez Emerson I live in Panama City here in Florida and I manage a little business in my town, I was about to file for a bankruptcy that has been on my report for 3years and a low score of 524 I was confused on what to do I confided with a friend of mine who told me about HACKNET the credit specialist so I contacted him with these info (+1 949 397 8437 HACKNET567@GMAIL.COM ). After much discussion with the little info he asked of me and went ahead with the job, in just less than 7days I got a call that the bankruptcy is cancelled and I when check my report everything has been wiped out including the late payment and eviction I got there and I also got an amazing score of 799. I don’t know how he got this done so quickly and fast before the deadline but I’m happy to have him fixed my credit and I will also refer him to anyone who needs his help as well.

    ReplyDelete
  55. I was in searched of a professional credit repair agent because I really wanted to buy a house but my score was not up to standard then I went to Kabbage INC reviews through merchantcircle website, there I found this Credit Guru (HACKNET) with wonderful reviews and a lot of people talk about his good work so I called his cell phone (949) 397 8437 and he respond quickly I told him the issues I’m facing regarding my credit report if he can help me out he said YES and the required information to get started I was comfortable with the whole process he told me, to my greatest surprise it toke him just 9days to get it done and my credit bounce back to normal shape with all the negative entries cleaned up including the collection in items and I bought the house of my choice. You can as well reach him with his direct mail HACKNET567@GMAIL.COM or WhatsApp him on +1 704 975 0405. He is good, honest and always available to serve you any time. Cheer!!!

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