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  1. panda

    2025 Top Public Colleges & Universities

    University of California, Los Angeles' ranking in the 2024 edition of Best Colleges is National Universities, #15. Its in-state tuition and fees are $13,752; out-of-state tuition and fees are $46,326. UCLA is outranking two Ivy League Schools: Dartmouth and Rice and is currently the #1 public...
  2. panda

    Macro Economics and Personal Finance

    Notice that it takes approximately 12 months from the bottom of the yield curve before recession hits ( indicated by gray bar) in 2001 and 2008. If this repeats,the famine will begin around July 2024. I see the gray bar will be wider and longer in the coming recession. I am telling you guys...
  3. panda

    Macro Economics and Personal Finance

    Orange County Unemployment Rate is 4.2% and will soon head to 5%. This is a very important metrics to watch. Even more important than inventory and interest rates. Look at time frame from 2008 - 2010 and see how the unemployment rate spiked. Fed had cut rates down to almost 0 back then. I don't...
  4. panda

    Macro Economics and Personal Finance

    If you shopping for a car. 1. Toyota Inventory : Days on the Market : 34 2. Mitsubishi Inventory : Days on the Market : 110
  5. panda

    Macro Economics and Personal Finance

    I don't think the reason Chairman Powell cuts rates will be due to inflation numbers headed towards 2%. Fed will continue to prolong the cut and will not cut by choice. They will be forced to cut when a sudden black swan event takes place.
  6. panda

    Tennis is a Gentleman's Sport

    @irvinehomeowner, I don't mean to pop your bubble, but playing Pickle Ball is No Gentleman's Sport.
  7. panda

    How high will mortgage rates climb in the next 36 months?

    I think one important metrics we are overlooking is the unemployment rate. You can see from the chart the unemployment rate moves in a wave pattern and never in a flat line. When the unemployment spike up to 10% from 5%, buyers will not enter the market even with declining interest rates. There...
  8. panda

    Panda's Art Gallery by Sarang Design | Korean American Designer

    A Digital Design Book Concept by Sarang Design that plays Beautiful Music while the pages are turned.
  9. panda

    Tennis is a Gentleman's Sport

    Dear friend, I pray that you may enjoy good health and that all may go well with you, even as your soul is getting along well. 3 John 1:2 Did you know that the #1 cause of death in the United States is not Cancer, but Heart Disease? 1. Singles Tennis: 56% lower risk of death from heart disease...
  10. panda

    Irvine, California Born December 21, 1971

    New Homes in Trovata started in the low $200s in 1997.
  11. panda

    Irvine, California Born December 21, 1971

    @Imnotmoving, I truly believe that the kids in Irvine grew up the way you described back then. (Kids need to have fun summer camps, days at the beach, sleepovers and engaged parents.) The mid 90s was the golden years to call Irvine your home.
  12. panda

    Newer Irvine listings with crazy WTF asking prices from equity sellers

    No that is not what I mean. With interest rates at all time high with real estate prices at all time high, anyone with a half a brain would know that it is not a good time to be buying right now. You don't think that asking for $4.5M for 4/4.5 /3365 sqft in Irvine is delusional?
  13. panda

    Newer Irvine listings with crazy WTF asking prices from equity sellers

    These FCBs in Irvine may have a boat load of Cash, but they sure don't have any brains when it comes to personal finance and investments.
  14. panda

    How high will mortgage rates climb in the next 36 months?

    We've already won the battle. @irvinehomeower, Do you see the dark grey bars. They indicate previous financial storms and another dark financial storm is coming soon. (Look at the 10 - 2 year yield chart.)
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