Yesterday morning, my dad sent me the above chart from Apollo and said, "frightening, do you have one for Canada?" In 2010, the median age (not mean) of all US homebuyers was 39 years old. Today, it is 59 years old. And it has jumped significantly since the start of the pandemic. The obvious explanation, and long-term trend line, is that housing continues to become more expensive relative to incomes, so it is taking longer for people to save up and afford to buy. But "first-time buyers waitin...

This week, I'm publishing a work in progress by understanding that every essay I make is simply that.

Steady releases of news about AI tools/services this week and rumors of an impending Gemini 3 release grow stronger. Not ruling out any surprises from the Chinese frontier labs who are showing exceptional performance with their models even though constrained by compute capabilities I would like to encourage readers to write to me with their feedback about the content that I curate. Even short messages are appreciated Below is my personal website which aggregates links to many of my socials as...

Good news: If you would like to open a small-scale retail business in Toronto — and you have a property that is residentially zoned on a major street (in one of the approved areas), or you have a corner property on a designated “community street,” or you have a property that abuts a non-residential use such as a park or public school — you may now be allowed to do it, with some restrictions. (Consult your local planner for exact details.) This, as we talked about recently, is meaningful progr...

The private compute-focused chain will deploy a L2 on Ethereum as part of its Nillion 2.0 upgrade.

J.P. Morgan launched JPMD, its USD deposit token, on Base, enabling institutional transfers and marking a major moment for bringing commercial banking…

We're immersing ourselves in our outside in issue 271 of your weekly poetry shot