statusquoantefa
Joined 7 years ago
Joined 7 years ago
the elevator pitch is "the google of mortgages".
Probably, in the face of trends like Brexit and a sense of their declining popularity, this is phase one of preparing to take their resistance underground if they have to.
I've been around computers since well before it was called UX, and since UX? trust me, I never blame users, I definitely blame UX.
we need to bring back UI.
(while we are minor nitpicking, they have the cure, our view of their ethics might not be the same as their view of theirs)
Good! I, for one, appreciate selection pressure from our insect overlords, it's the only way Darwinism works. Seriously, science is serious business, and I can't stand namby-pambyism. We are supposed to die, it's narcissistic to believe you and yours are more important than the species.
it's healthy for forest fires to periodically burn out the accumulated brush and revitalize the ecosystem.
do you mean literally exponentially? or do you mean "a lot" faster?
it's not magic, it entails preparation, but if you are holding meetings and you don't have the principal attendees at the meetings in agreement before the group gathers, you're going to have highly unproductive meetings and you'll encourage civil wars to break out.
Meetings work best when they present a solution to a problem, and get "buy in" from the attendees who each present to the group what they will be doing to advance toward the agreed upon goals.
The executive or manager who is calling the meeting achieves this by visiting each participant in the upcoming meeting in advance and asking, "here's what we are going to talk about at the meeting, what are you going to say on this topic?" and revisiting with "here is what so-and-so is going to say, how does that affect your team, what do you need to do to prepare?" etc.
People find it much easier to agree to group goals one-on-one and very much appreciate being given time in advance to prepare their plans and statements of purpose and not be caught off-guard. Other participants in meetings benefit from hearing the harmony of purpose at the meeting and they in turn step forward to announce how they will help.
Think of it like a football huddle where plans are announced and agreed to; people aren't going into the huddle looking to argue, they're looking for agreement.
And yes, I realize that many of you have not experienced meetings organized this way, and that's why I wrote it up, it was incredibly refreshing when I first got to experience a company run this way.
no, you should compete on price if you are the low cost producer, as my neighbor comment notes. monopolists frequently are the low cost producer because of economies of scale, scope, etc.
another "compete on price" strategy is if you are the disruptive upstart: you have small market share, so your losses (tangible and intangible) will be lower compared the losses suffered by the fat lazy high-multiples incumbent who must satisfy angry shareholders when they see profit eroding.
and all the bankruptcies and home foreclosures in an economic downturn shows the cost of high leveraged investing. A better way to achieve leverage is high beta stocks. Beta behaves just like leverage, except it automatically rebalances debt/equity on the way up and down. And the base rate of growth of the stock market is substantially higher, so you are leveraging a higher rate, even though you can't lever as much as a home.
and don't forget, owning a home and living in it as real estate prices rise means that you are "throwing away" higher and higher virtual rents that you would be entitled to collect and which factor into the value of your home.