우리집도 세인이 대학안보내면 참 노후가 편안하겠다는 생각을 하고 있으니, 중산층중에서도 상당수가 대학등록금이 부담스러운 상황이다. 그래더 대학졸업장은 있는게 상당히 유리한 세상이다.

우리나라 말로 이공대를 가면 그남아 본전 쉽게 뽑는데, 다른쪽은 들인만큼 못뽑는데도 많다.

 

http://money.cnn.com/2015/03/25/news/economy/middle-class-kids-college/index.html?iid=HP_LN

More than half of middle-class kids fail to earn bachelor's degrees

Only 40% of middle-class college entrants who were high school seniors in 2004 had secured bachelor's degrees by 2012, according to the Department of Education.

 

http://money.cnn.com/2014/06/24/news/economy/college-worth-it/?iid=EL

Yes, a college degree is still worth it

Is going to college still a good investment? For most students, the answer is a resounding yes.

 

Posted by 쁘레드

이런 자료가 있다는것 자체가 신기하네요. 로비는 불법로비가 아니니까 그렇겠죠. 이 바닥에서는 합법과 불법의 사이가 엄청 모호하긴 할듯.

 

http://www.wsj.com/articles/google-makes-most-of-close-ties-to-white-house-1427242076?mod=trending_now_4

Posted by 쁘레드

이런 말도안되는 일이. 중국 2.5년치가 미국 100치와 비슷할듯. 도대체 어디다 들이붙는거냐.

 

How China used more cement in 3 years than the U.S. did in the entire 20th Century

By Ana Swanson March 24 

China used more cement between 2011 and 2013 than the U.S. used in the entire 20th Century.

It's a statistic so mind-blowing that it stunned Bill Gates and inspired haiku. But can it be true, and, if so, how? Yes, China's economy has grown at an extraordinary rate, and it has more than four times as many people as the United States. But the 1900s were America's great period of expansion, the century in which the U.S. built almost all of its roads and bridges, the Interstate system, the Hoover Dam, and many of the world's tallest skyscrapers. And China and the U.S. are roughly the same size in terms of geographic area, ranking third and fourth in the world, respectively.

Bill Gates's GatesBlog

The statistic seems incredible, but according to government and industry sources, it appears accurate. What's more, once you dive into the figures, they have a surprisingly logical explanation that reveals some fascinating differences between the two countries, and some ominous realities about China.

Gates plucked the statistic from the historian Vaclav Smil, who callscement "the most important material in terms of sheer mass in our civilization." (In case you need a refresher, cement is a powdery lime-and-clay substance that is combined with water and gravel or sand to make concrete.) Smil got his estimates from the U.S. Geological Survey, whose figures for the American use of cement in the 20th Century are below.


U.S. Geological Survey

This chart shows some interesting economic trends – including dips in construction during the Great Depression, World War II and the recession of the early 1980s. All of America's cement consumption during the century adds up to around 4.4 gigatons (1 gigaton is roughly 1 billion metric tons).

In comparison, China used around 6.4 gigatons of cement in the three years of 2011, 2012 and 2013, as data below from the International Cement Review, an industry publication based in London, shows. U.S. Geological Survey estimates on China's cement consumption are similar: According to Hendrik van Oss, a mineral commodity specialist at the USGS, China's cement consumption between 2010–12 was about 140 percent of U.S. consumption for 1900–99.


U.S. Geological Survey and International Cement Review

Clearly, the amount of cement that China has used in recent years is just stunningly huge. Here it is as a cube, overlooking Chicago.


Courtesy of Rhett Allain

As a parking lot, it would cover Hawaii's big island:


Rhett Allain

So how did China use so much cement? First, the country is urbanizing at a historic rate, much faster than the U.S. did in the 20th Century. More than 20 million Chinese relocate to cities each year, which is more people than live in downtown New York City, Los Angeles and Chicago combined. This massive change has taken place in less than 50 years. In 1978, less than a fifth of China's population lived in cities. By 2020, that proportion will be 60 percent.

China's cities have been transformed to make room for this influx of people. By some estimates, half of China's infrastructure has been built since 2000, with new rail networks, interstates, dams, airports and high-rise apartment buildings springing up across the country. For example, the gif below shows how Shanghai's Eastern Pudong District changed between 1987 and 2013. You can see why Spike Jonze chose Pudong as the setting for a city of the future in the recent movie "Her."


1987 REUTERS/Stringer, July 31, 2013. REUTERS/ Carlos Barria

More stunning than Shanghai's transformation is the growth of the Pearl River Delta, a megalopolis on the Chinese mainland across from Hong Kong. The manufacturing hub had 42 million inhabitants in 2010, according to the World Bank. If considered a single urban area – which makes sense, since the cities there all run together -- the Pearl River Delta would be the world's largest city by both area and population.

What's almost more impressive than China's biggest cities is the incredible number of "small" cities that no one has ever heard of. In 2009, China had 221 cities with more than a million people in them, compared with only 35 in Europe. Even relatively minor cities like Zhengzhou and Jinan are more populous than Los Angeles or Chicago.

Beyond China's incredible urbanization, there are a few more facts that make the cement stat even more believable. As Goldman Sachs pointed out in a note, China's population today is only about four times as large as the U.S., but it is 15 times as large as the U.S. was in the early 20th Century, and nine times the size of the U.S. in 1950.

The world also experienced a shift in building materials over the 20th Century. In 1950, the world manufactured roughly as much steel as cement; by 2010, steel production had grown by a factor of eight, but cement had gone up by a factor of 25. And where many houses in the U.S. are made of wood, China suffers from a relative lack of lumber. Unlike in the U.S., many people in China live in high- or low-rise buildings made out of cement.

Finally, China's cement industry is much larger than it should be. Many of China's cement manufacturers are state-owned, and they benefit from government support and access to cheap capital. As in other overcapacity state-owned industries -- aluminum, steel, and shipbuilding -- China's cement sector has undergone a period of explosive growth without much regard for product quality or profits.

This massive cement industry also takes a heavy toll on the environment. Scientists estimate that the global cement industry accounts for around 5 percent of the world's carbon emissions, and more than half of the world's cement production capacity is based in China.

What's more, low standards for construction quality mean some of China's concrete buildings may have to be knocked down and replaced in as little as20 or 30 years. According to Goldman Sachs, about a third of the cement that China uses is low-grade stuff that wouldn't be used in other countries.

When Bill Gates wrote in his blog about China's stunning cement consumption, he pointed out that the issue of materials is key to helping the world's poorest people improve their lives. Replacing mud floors with concrete improves sanitation; paving roads with concrete allows vegetables to get to market, kids to get to school, and the economy to flourish. In China, the building boom has spurred economic growth that has lifted hundreds of millions of people out of poverty.

And yet, China's massive cement use also points to a darker side of the economy: The waste that occurs with too much top-down economic planning, and the environmental toll of growth at all costs. China's cement splurge is impressive, yes, but it may hold the seeds of a more ominous story.

Ana Swanson writes for Know More and Wonkblog.

 

Posted by 쁘레드

미국이 2차세계대전부터 핵을 개발했으니 핵무기/핵발전을 연구했던 지역이 있을텐데, WSJ에서 잘 모아놓았다. 샌디에고에도 라호야에 연구소가 하나가 있었네. 다행히 동부에 많이 오여있고, 대도시에는 방사능 수준을 잘 관리했겠지.

http://projects.wsj.com/waste-lands

 

 

General Atomics

Last updated: October 29, 2013

La Jolla, Calif.

Other names: John Jay Hopkins Laboratory for Pure and Applied Science

Do you have additional information, photographs, or personal histories related to this site? Let the Journal know at wastelands@wsj.com

  • LA JOLLA, CA - c.1964: The Johns Hopkins Laboratory for Pure and Applied Research near San Diego, CA.

    The Johns Hopkins Laboratory, San Diego/Courtesy National Archives, photo no. 434-SF-87-43

     


Posted by 쁘레드

Nasdaq이 2000년 버블붕괴이후 15년이 지나서야 그때 수준으로 돌아갔다는 뉴스가 있었습니다. 다시는 못갈거라고 했는데 15년은 걸리네요.

 

우리회사는 어떨까해서 찾아봤더니 역시나 잘나가는 회사답게 회복한지 오래됐고 그 위치에 오래 머물고 있네요.

 

주요 회사가 다 그런가 해서 Intel을 찾아보니, 헉 역시나 그때 인텔은 엄청난 돈벼락을 맞았었네요.

Apple은 어떨까 했더니, 애플은 닷컴 버블을 그당시에 못 누렸네요. 엄청나게 뒷심이 좋네요.


2000년에 Top 10 회사 list입니다. 500B에 넘거가 근접한 회사가 3개나 있었네요. 지금 inflation을 고려해서 계산하면 얼마나 될까요.


그래서 심심해서 Apple과 GE/INTC를 2005년부터 비교해봤더니 지금도 그런데 2000년 부터 비교하면 의미가 없어지더란. 어쨌든 Apple 2005년에 샀으면 와~



Posted by 쁘레드

2013년 기사인데 상당히 재밌는 그림이 있다. 닷컴 버블때와는 다르다는 주장인데 2015년에 보니 맞는 이야기가 됐네.

------------------

The Nasdaq has climbed more than 30% this year, topping 4,000 for the first time since the tech bubble era. But this time around, the index and its rally look and feel a whole lot different.

It's been a banner year for stocks. The Dow and S&P 500 have been in record territory since March, while the Nasdaq has been trading at its highest levels since 2000.

Though the robust gains have ignited some worries that stocks may be overvalued, most experts believe that a dose of skepticism is actually healthy and predict that stocks will continue to rise next year, albeit at a more modest pace.

Still, the fact that the Nasdaq is back at a level it last traded at during the tech bubble worries some investors. But experts say the Nasdaq is a completely different animal than it was at the start of the millennium.

"The Nasdaq has really grown up over the last decade. It's a lot more mature now," said Kim Forrest, senior equity analyst at Fort Pitt Capital.

For one, the Nasdaq is no longer as tech-heavy as it used to be.

Tech stocks still make up about 42% of the Nasdaq composite, but it was nearly 60% at the height of the tech bubble, according to the Nasdaq OMX (NDAQ). And the exchange has welcomed more companies from the retail sector, health care, and financials. Energy, materials and utility companies, which virtually had no presence on the Nasdaq a decade ago, are also now a small part of the exchange.

"The Nasdaq is definitely not nearly as lopsided as it used to be," said Ryan Detrick, senior technical analyst Schaeffer's Investment Research. "Having more diversification gives the index a whole different feel, and helps its safety factor."

Even the top 100 companies in the Nasdaq are a lot more diverse, said Detrick. He pointed out that one of the companies that is slated to join the Nasdaq-100 (which is the largest non-financial firms trading on the Nasdaq) this week is Tractor Supply Company (TSCO), the country's largest farm and ranch supplies chain.

Related: No tech bubble here

Overall, the most heavily-weighted companies in the Nasdaq have changed pretty significantly. Apple (AAPL) now makes up nearly 13% of the Nasdaq-100, compared to just 1% at the height of the tech bubble.

Amazon (AMZN), which was publicly traded in 2000, and Google (GOOG), which was around but still private, have become more dominant. Older tech titans like Cisco (CSCO) and Intel (INTC) no longer have as much influence over the index.

Biotechnology companies Gilead Sciences (GILD), Celgene (CELG) and Amgen (AMGN) have also grown more prominent in the Nasdaq as the industry has matured. The biggest biotechs are all profitable companies that now rival Big Pharma firms.

"Biotech companies are now making money, which wasn't so much the case a decade ago," said Detrick. "And with the way the demographics are changing -- aging baby boomers -- biotech will continue to be one of the strongest sectors."

And of course social media companies like Facebook (FB) have added a whole new dynamic to the tech sector in recent years.

Not only have the companies at the top changed, but they're trading at much more reasonable valuations.

Back in early 2000, Cisco traded at levels that were more than 100 times earnings estimates for the coming year. Today, Apple trades at less than 15 times earnings expectations for 2014.

Related: 8 things to know about the 2013 bull market

While most experts agree that the Nasdaq overall is not in bubble territory, they warn that some particular sectors may be over-hyped.

"It's pretty clear to me that 3-D printing companies are overvalued," said Forrest.

Shares of 3D Systems (DDD) have jumped nearly 150% this year, while voxeljet (VJET) is up 180% and ExOne (XONE) is up more than 200%.

Forrest said that while people are in love with the idea of being able to design something and print it out, 3-D printers will only really be useful to organizations that design products just before the prototype phase.

"The reality of what these products can do, should do and will do are way different than what people think," said Forrest. "Will we have 3-D printers? Yes. Will they be in everyone's homes? No."

Posted in: amazonApplebiotechbubbleCiscoFaceBookGoogleIntelMicrosoftNasdaqsocial mediastocks,tech stockstechnologyTwitter

 

http://buzz.money.cnn.com/2013/12/22/nasdaq-tech-bubble/

Posted by 쁘레드
경제이야기2015. 3. 25. 11:02

도시별 임금과 물가를 대략 확인할 수 있는 사이트.

http://money.cnn.com/calculator/pf/cost-of-living/

Posted by 쁘레드

예전에 봤던 costco에서 일하는 사람들이 왜 자신감이 넘치는데 알게했던 기사. Walmart가 이번에 임금을 많이 올려줄 계획을 발표했으니 다들 좀더 더 오를수 있었으면 좋겠다.

Wendy's는 최저임금이 낮은곳에만 설립하는 것 같고, 맥도날드도 최저임금에 가까운 $9정도 될것 같다.

------------

http://money.cnn.com/2013/08/06/news/economy/costco-fast-food-strikes/

Posted by 쁘레드
IT이야기2015. 3. 25. 10:46

2015/02/18 에 적었던 내용

---------------

http://clien.net/cs2/bbs/board.php?bo_table=news&wr_id=1940840

 

이거 뭔가하다가 위에 있는 youtube 링크를 열어봤는데 완전 천재네요. 어떻게 저런 생각을 할수 있었을까요. 재료비가 $1 안든다네요. 사람 아무래도 카드 결재기계를 만들어본 사람이거나 주변에 누가 만들었던 사람이었거나 했겠네요. 카드 결재기계가 저런 원리였군요. 감탄하고 갑니다.

 

제가 2000년대 초반에 회사다니면서 사업할 생각을 하다가 카드결재 기계를 만들어보고 싶었는데...  한국에서 초고속 인터넷 시대이 이미 보급되었는데 카드결제는 모뎀으로 인증하는 꼴이란. 계다가 2000년대 초반에는 한국 카드사들이 앞다퉈서 카드를 뿌릴때였는데 카드만 뿌릴줄 알지 차별화할 생각은 없었던 시대였죠. security 높히고 빨리 할수 있다고 생각들었거든요.. 한국에서 만약에 회사 때려치고 만들었으면 군대잡혀가고, 사업실패하고 빚에 시달리다가 장기빼서 갚았을것 같네요. 운좋았네요. ^^

 

인스타그램 같은것은 제가 대학원때 했던 일들이었는데, 다들 그런게 어떻게 돈이 되냐고 했던... 앞으로 하고 싶은것을 요약해 놔야겠습니다.

 

P.S. 요즘 Paypal 너무 잠잠하네요. 좀더 break thru 하지 않으면 도태되지 않을까요?

 

----------------

카드결재기 내부구조를 알수없으니 속단할수는 없지만, interface 만들어진지 20년도 지난거라 전혀 암호화가 안되어 있을것 같습니다. LoopPay에서 카드정보를 읽어 암호화해서 폰에 저장하지만 결국 기존 카드결제기에 보내는 정보가 암호화 안되있다면 엄청난 security hole이네요. signal 크기가 1 feet내에서는 감지가 될텐데요. LoopPay에서 일해보면(or 카드 결재기 만드는 곳에서 일해보면) signal 다시 읽어서 저장이 가능할거라 생각됩니다. 제가 카스결재기 있는 주인이면 카드결재기 아래에 LoopPay 역역활을 하는 폰을 갖다놓고 모든 고객의 카드정보를 저장하는 것도 가능할것 같네요. 좋은 해킹 아이템이네요. ^^

------------------

LoopPay 대해서 검색해 봤더니...

  1. Headquartered: Burlington, MA
  2. Employees: 3 

3 ~...삼성이 얼마주고 산지 공개가 안됐네요.  좋은 아이디어에 삼성이 높은 가치를 인정한것 같은데, 다른것보다 싸니까 거니형도 없고 하니 싸게 하나 들이자는 생각으로 한것은 아닐까 걱정도 됩니다. Loop Pay 대한 안좋은 review 있더군요.

 

Apple Pay 차지하는 market share 뉴스에서 들어서 찾아보려고 했더니 못찾겠네요.

 

IT .com bubble 붕괴후 7년만에 smart phone으로 다시 부흥되고 다시 7년만에 4가지 산업과 결합된 새로운 IT 버블이 오는것 같네요.

  1. Bio
  2. Automotive
  3. Health care
  4. Finance

-------------------------------

G6부터 들어간다고 하는데 얼마나 잘 될지, 궁금합니다.

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재밌는세상2015. 3. 25. 05:51

대기오염상태 실시간 확인, Real-time Air Quality Index Visual Map

http://aqicn.org/map/kr/#@g/35.0153/123.6511/6z

서울은 약 100정도

 

샌디에고는 약 40정도

Posted by 쁘레드