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  1. panda

    Macro Economics and Personal Finance

    Marco Economics : Understanding Unemployment Rate and Gross Domestic Product (GDP) U.S. Unemployment Rate Unemployment statistics measure the percentage of people in the United States who are working vesus out of work. There are several measures for this statistic, but the most common is...
  2. panda

    Macro Economics and Personal Finance

    The Fed will not cut rates in the Apr/May meeting and June meeting. The Fed raised rates too late to fight inflation. They will again start to cut rates too late. They will not cut because the inflation is headed towards 2%, but will be forced to cut. Welcome to Bidenomics, a broken economy with...
  3. panda

    2025 Top Public Colleges & Universities

    Perhaps this is a topic for a different thread. I am a Christian and received Christ when i was in 8th grade. I know you mentioned that you are not a religious person and believe in karma. So what do you think happens to us after we die? Is this the only life on earth we get to live so we need...
  4. panda

    2025 Top Public Colleges & Universities

    @Imnotmoving, thanks for sharing your concern. I think every parent have different goals for their children who am I to judge anyone. If you read the theme of this thread, it is about the Irvine high school student who dreams of attending UCLA, but is highly discouraged competing in the red...
  5. panda

    Macro Economics and Personal Finance

    @irvinehomeowner, In all honesty I hope that I am wrong. Billionaire hedge managers like Ray Dalio and Jeffrey Gundlach were also wrong on their forecasts since 2020 and I am not smarter than these guys. Just saying what I am seeing from my economic research.
  6. 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...
  7. 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...
  8. 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...
  9. 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
  10. 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.
  11. 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.
  12. 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...
  13. 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.
  14. 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...
  15. panda

    Irvine, California Born December 21, 1971

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