Category Archives: Finance

Real Estate Underwater: Displacement and Climate Refugees

by Daniel Brouse February 22, 2023 For years climate scientists have been trying to develop models for the real estate market impacted by rising sea levels. Florida is proving to be a microcosm of coastal real estate. “Everybody thinks this is a God-given sea level,” Harold Wanless, who heads the University of Miami’s geology department […]

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Economic Update: Inflation, Interest Rates, AI, Consumer Spending, Climate Change, and Fiscal Policy

by Daniel Brouse February 3, 2023 This article is about the economic conditions up to 2023 and a forecast for the foreseeable future. It helps to understand fiscal and monetary polices prior to reading the following. In 2022 and 2023, the Federal Reserve raised their interest rates charged to other banks 4.75 percent in an […]

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Investment Recommendation: Savings Bonds / I Bonds

January 11, 2023 One of the best investments is Treasury Direct I Bonds. I Bonds’ interest rates are determined by the rate of inflation. The rate of return on January 11, 2023 is 6.89%. I Bonds can be purchased directly from the Treasury Department without a middle man, brokerage, or bank. There is no risk […]

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Immigration and the Wage Inflation Spiral

An important factor in our inflation situation is immigration. The US has stagnant population growth (as does the UK, EU, etc. Japan has a declining population.) During the Trump administration, the US drastically curtailed immigration. The Biden administration continues to do so today. The result has been wage inflation. The wage inflation that started in […]

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RobinHood Investors Steal from the Poor and Give to the Rich (GME / GameStop)

Last week we got to watch the angry young investors invest irrationally making billions of dollars for their favorite hedge funds and the ultra-rich to the tune of 17 billion dollars! Wasn’t that fun? “Ironically, the army of anti-establishment Reddit traders fattened the fortunes of some of the world’s ultra-rich: Chewy co-founder Ryan Cohen added […]

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Selling Short / How a Put Works Using GameStop (GME) as an Example

By Daniel Brouse January 30, 2021 This is a more detailed answer to how puts work using GameStop (GME) as an example: There are two entities. One owns 100 shares of GME. This entity believes the stock price will remain stable or go up. Lets call this entity U. Another entity thinks the price of […]

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The Federal Reserve, the Treasury, and You

We were talking about a graph of the record high stock market… and, I said: You definitely need to keep this graph with it… the main reason the stock market is at this level is because the Federal Reserve has been buying stocks and bonds… lots of them. (That’s over 7 trillion pictured in the […]

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Daniel Brouse: About the Author

Q: Any background on membrane .com? A: In 1994, I started a publishing company with another scientist (low temperature physicist and co-builder of the Ohio States supercomputer). The name of the publishing company is The Philadelphia Spirit Experiment. As the name suggests, it is a scientific experiment in the publishing of arts and science. At […]

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Residential Real Estate Flood Risk Information

Do you know if you need flood insurance? Do you know if you have flood insurance? What happens when your house gets flooded? Flood risk information has not been readily available to the average consumer. Climate change is making your flood risk drastically increase. Now, one of the major real estate databases (Realtor.com) is making […]

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The Economic Costs of COVID Re-openings

The mortality rate for COIVD is between 7-8% in PA. (* The actual mortality rate is closer to 14%) It has been since the pandemic started, and still is. An estimated additional 15% of the recovered have permanent disabilities. What is the cost of life and health on the economy? The benefit-cost analysis of a […]

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