Galaxy Map Hints at Fractal Space

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Is the matter in the universe arranged in a fractal pattern? A new study of nearly a million galaxies suggests it is .

Although there is no mechanism to describe this, I would have been extremely surprised if it weren’t the case. It implies that matter itself is balanced on a knife edge state of existence between order and chaos and suggests two competing, balanced, forces, applied algorithmically, somehow (a mapping). It also suggests that the mechanism for creating fractal structures such as weather patterns and living things is related to something bigger. Perhaps a cosmic level natural selection via the 2nd Law?

Wake up Britain. You Are Still Smoking Crack.

Posted by | diary | One Comment

I bought a house in London in 94 for 30% of what the previous owners had paid for it (people who thought house prices only ever went up). I sold it in 2001 for 600% of what I paid. Seven years later, after selling a company for $30M, I could not afford to buy it back from my share of the proceeds. In theory, I would have made more money had I stayed at home for the last seven years watching television.

In short, if you bought into the British dream then you implicitly believed that it was a better idea, financially, to buy a house, become a crack addict and do nothing for more than half a decade. If you believe this, as the statistics imply, then crack is what you are smoking.

So here is my Crack-o-meter guide to lingering UK house price delusion:

This ridiculous orgy of money-for-nothing greed spawned a dozen of TV shows which replaced architecture for window dressing in order to make a quick buck. This should have been the early warning sign. 50% of British TV (even here on BBC America) seemed to be one giant infomercial for the economic potential of your own living room, if you bought an IKEA lamp and painted it orange.
Conclusion: early experimentation with crack

After house prices started to level, plot lines were running a bit thin on ‘half hearted house makeover: paint your front door and make half a million quid’. The leather panted ponce who presented one show I watched took a new tack – falling house prices were a good thing, you could make money because the rungs on the housing ladder would get closer together and you could move up more easily. Unbelievable.
Conclusion: social crack smoker, says he/she can give up.

As house prices started to drop the mantra was that ‘house prices never really drop, they just stagnate’. However, a graph of UK and US house prices compared to Japan showed that this was patently false. See here.
Conclusion: habitual crack smoker.

Since I posted the graph comparing UK/US in August 07, the US has experienced dramatic falls in house prices. The median house price in Detroit has dropped 57% in one year to less than $10,000 (this is not a misprint). This is less than the price of a breeze block garage in a deprived area of England. But the sub prime market in the US was believed to be an isolated problem that would not affect the UK.
Conclusion: mental impairment from crack smoking.

The catalyst that created the UK house price boom in both the 80s and now, financial industry bonuses, has vaporized. The subsequent layoffs and contagion of the broader economy have only just begun, while 97.3% of UK houses have already declined in value by an aggregate 13%, before the crash.

And yet: 32% of UK home owners believe their house is not worth less and 38% believe it will not be worth less in future and 30% believe their house price is about to go up. Irrational denial is revealed by the fact that statistically, people think their own house will hold value but not the next door neighbors’. But the irrational denial does not stop there, real estate companies predict another 15% maximum price drop (and this is the gloomy prognosis), starting to correct next year. I we look at Japan things could be a lot worse.
Conclusion: crack dealers.

He is my prediction. In two years time, I will be able to buy a house in England, and I will pay less than 50% of what it was valued at the peak. The aggregate will not decline by as much, but the decline will nevertheless be catastrophic. At that rate I will still be getting a worse deal than my last house, so this is hardly without precedent. Am I smoking crack? We’ll see.

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American Banks From a Foreigner’s Perspective

Posted by | america | No Comments

America’s financial system has taken a beating, all of the top brokerage firms and banks went bust or were partially nationalized in a panic that caused US banks to be rated below Namibia.

For an ordinary retail bank customer from another country, I have always found US banks surprisingly primitive. Could that really have anything to say about an endemic problem from over the counter to prime brokerage like Goldman Sachs? Why is the service at American retail banks so bad when the service at American retail outlets is so good? Why can’t a bank work like PayPal? And most of all, why is this the case in the global epicenter of capitalism?

I’ve been in America ten years now, and still use my UK retail bank because it allows me to do things by phone, that my American bank down the street won’t allow in person (such as transferring money without endless forms and pieces of paper).

There is almost nothing in europe that requires the arcane process of writing a paper check and mailing it. When I found out that my online automatic bill payment system actually resulted in a paper check being printed out placed in an envelope and mailed, I nearly fell off my chair. This is technological equivalent of finding out that there are little people inside the TV.

After moving from San Francisco to New York, I kept my Wells Fargo account, then found out that there were no branches in NY and no reciprocal agreements, no way of arranging a wire transfer without a weeks delay in sending bits of paper back and forth, no free interbank exchange and ATM withdrawals charged more than the money I made in Interest, for an entire year.

American banks do not allow credit ratings to be imported, so you have to build a new score when you move from abroad. Unfortunately, if you pay your bills on time and don’t borrow money you cannot get a credit score. In order to do so you have to borrow money. In other words to get a credit score you have to get into debt. I have a credit card that is linked to my cellphone bill and is used for nothing else. The sole purpose is to enable my credit score. This is farcical.

Today, a friend tried to transfer money to our US account from Europe only to be told that the US bank had been blacklisted. Although I find it hard to believe that this is true, my level of credulity is changing.

I could go on, but the point is that the anecdotal experiences mean that something is rotten. But we all know that now.

Why Markets Crash

Posted by | half baked ideas | One Comment

John Cassidy has a great review of George Soros’ new book, ‘The New Paradigm for Financial Markets: The Credit Crisis of 2008 and What It Means‘.

Cassidy describes how Soros re-iterates his empirically derived theory of economics which explains why boom bust cycles necessarily happen in unregulated markets. The concept of inevitable instability is something rejected by the extreme free market view, based upon the monetarist economics of the Chicago School: Milton Friedman; Eugene Fama; Robert Lucas. They believed that free markets would always reach a stable equilibrium.

Nothing has defined the period of American hegemony from Reagan until now more than monetarism, which has transcended economics and morphed into the broader political ideology of libertarianism. The current financial crisis, with its massive-scale, state intervention, shows nothing other than the complete failure of monetarism and with it, libertarianism.

Soros has an economic theory that is an alternative to monetarism and explains why crashes happen, it is derived from experience and is not mathematically formalized. I know almost nothing about economics, but I know a bit about information theory, and it seems clear that Soros’ theory while possibly true is not needed, since the monetarist view surely contradicts some very basic laws of physics.

First, the background. Cassidy recaps how the Chicago school “had invented a new way of doing macroeconomics, known as the rational expectations approach, which enshrined in higher mathematics the stabilizing properties of unfettered markets… If in one period the economy gets out of sync, in the next period it jumps back to the “equilibrium” defined by the model.”

Cassidy goes on to show that “Soros had neither the inclination nor the technical ability to challenge the Chicago school’s formal arguments…What he does possess, however, is voluminous amounts of firsthand knowledge gained in the financial markets, together with a keen interest in formulating a theory on the basis of his observations.”

Soros developed the idea of Reflexivity, a “two-way feedback loop, between the participants’ views and the actual state of affairs.” He clarified reflexivity to critics who “claimed that I was belaboring the obvious, namely that the participants’ biased perceptions influence market prices. But the crux of reflexivity is not so obvious; it asserts that market prices can influence the fundamentals. The illusion that markets manage to be always right is caused by their ability to affect the fundamentals they are supposed to reflect.”

In other words, the instability in markets is due to the feedback loop founded on us seeing things slightly wrong and acting on these perceptions which in turn actually changes the reality, allows it to be perceived with different uncertainty again, and so on.

The Soros view requires human perception to create chaotic fluctuations, but there are many things that behave chaotically, from eco-systems to the weather. Over time, all these things exhibit both cyclical and unpredictable behavior regardless of perception.

There are systems which self regulate to stability like the temperature of a hot bowl of soup in a closed room, or anything which runs down. This is called the second law of thermodynamics – over time entropy never decreases.

There is, however, a massive difference between systems that are inherently stable or will run down and ones that are chaotic. The former are always closed systems and the latter are open systems.

The economy is not a closed, running down system. Energy (or more specifically negentropy) is poured into it from high energy sunlight, past (oil and coal) or present (meat and veg). It is converted by industrious, growing populations of humans into local pockets of order, like buildings and machines and a much larger amount of waste. The eco-systems that connect these pockets of order are always chaotic and unpredictable in an open system, from the turbulent flow comprising cascading arrays of whirlpools as a river flows over rocks, to the flow of promises, in the form of money, through corporations.

Soros’ ideas may or may not be true, but they are not necessary, there is no need for an observer, just like there is no needs for a designer in nature. The monetarist view is surely wrong, period, and on a fundamental level, since it seems to be based on the assumption that the economy is a closed system.

Efficient markets aren’t smooth just like the weather isn’t, and thunder storms are not caused by psychology, but by the natural effects of open systems. Similarly, market crashes are caused by the chaotic nature of open systems, and the maximum efficiency is the production of waste.

Monetarism is wrong a pseudo science driven by an American ideological form of capitalism best described by the Libertarian label. From Ayn Rand to Reaganomics the economic ideas supporting them are based on the same ideological wishful thinking as Lysenko’s Larmarckian genetics, an idea which starved Communist Russia.

Why Revenge Against Wall Street Makes Business Sense

Posted by | business | One Comment

In Animal Instincts: Main Street Seeks Revenge on Wall Street, Robert Roy Britt and Jeanna Bryner argue unemotionally about why emotional needs should to be satisfied in a banking bailout, for business reasons.

In a free market economy, it doesn’t make sense to complain about executive pay – it is what it is, people only pay high salaries and bonuses because they can still make a profit and therefore shareholders are happy.

Moral hazard is a game theory phenomenon, if you play a game once and people lose badly you can help them out, but that will make them less worried about losing the next time they play. Similarly if people cheat and you don’t punish them or even play badly and don’t lose, you create a problem next time you play. Bailing out large numbers of mortgage defaulters creates moral hazard but not punishing people who deceived does too.

It is the job of a CEO to champion a company, but not to lie to shareholders. If things are OK this isn’t an issue and gets forgotten about. There are many CEOs who behaved like Wachovia’s Robert Steel. He appeared on a TV show (Cramer’s Mad Money) that styles what should be the sober, conservative, world of finance into an activity that looks pro-football, with shouting and bright colors and said his team was winning, days before Wachovia collapsed completely. Entertainment freakshows about speculation, are part of the problem – ditching shows like Cramer’s and replacing speculation with sober investment advice from someone like Buffet will happen of its own accord (you don’t get entertainment shows called ‘Mad Money’ in a deep recession), but Steel is a different issue.

You only need to punish a few people to avoid long term moral hazard involving large businesses. It is what it is, and the fear of god needs to be put into executives and CEOs of companies that could fail. This would create both transparency now, for people to see each others hands and a better game next time.

In addition, when you effectively nationalize banking, the shareholders are the country’s voters and they need to be kept happy. Creating a mechanism to put people like Wachovia’s Robert Steel in jail makes both good business sense and keeps the shareholders in a country happy.

Election Debates are Ineffective

Posted by | politics | One Comment

Ordinary people have some idea what the once obscure term LIBOR means, according to a piece on Bloomberg. At the same time, VP candidate, Sarah Palin has recently shown that she: cannot name a US newspaper; a single Supreme Court decision apart from Roe vs Wade; where Gaza is or any impact the $700B might have on the budget.

Today’s Journal, a place where interns know what LIBOR is, leads with the headline: “Biden, Palin Clash on Taxes, Iraq in Sharp Edged Debate“.

How can a TV debate model that fails to smoke out someone who does not understand high school level geography or politics become the de facto forum for voters to asses Presidential and VP candidate ability?

Josh Marshall points out that US TV debates are not actually debates at all, there is no follow up. In interviews with Couric, all of Palin’s knowledge gaps were revealed in simple specific follow up questions after responses that were pure waffle.

If you aren’t born here, in order to be able to vote, there is a method to smoke out people who don’t learn basic principals of the democracy. My wife recently obtained US citizenship, which requires answering questions about things that include the Supreme Court and its decisions.

Sarah Palin revealed in interview that she wouldn’t necessarily be able to pass a test required to vote, and yet a test of whether people should vote for her is described by the Wall Street Journal as ‘sharp’.

The Flaw in the Logic of Clean Tech.

Posted by | business | No Comments

I am back from San Francisco, my favorite place, where the buzzword that comes after Web 1.0 and Web 2.0 is Clean Tech.

There are two possible bogeymen that require investment in energy: expensive oil and global warming. The probable solution to the former is to justify dirty tech, like coal, and the probable solution to the latter is reduction in consumption, which goes against capitalism and, therefore, Venture Capitalism.

In the, ever optimistic, Silicon Valley, Clean Tech Capitalism is being offered as a potential panacea for both situations to combat both environmental and oil supply and demand issues.

Both expensive oil and global warming could in theory be solved by clean tech innovation, but that would require absolutely massive advances in things like portable solar technology to make energy simultaneously cleaner and cheaper than fossil fuels, very quickly. This is less likely than smaller advances in things like digging for coal.

This weakness in the current Clean Tech logic allows for Democrat’s energy stance to be leveraged for different ends by the Republican’s (justifying offshore drilling to combat peak oil, for example). Mark Thoma points out a piece by Ted Nordhaus and Michael Shellenbergers which argues that the Democrats “must break once and for all from green orthodoxy”.

Information and Evolution

Posted by | half baked ideas | No Comments

I have finally put up some notes, about what I have been thinking about for a very long time, concerning Information Theory and Evolution.

Specifically:

How systems self-emerge and self-configure for information exchange from 0 to 1 to n bits.

How these systems necessarily culminate in the complexity and diversity of living things as a result of rules governing information theory, where natural selection is a specific case of the laws governing noisy information exchange between finite sized systems.

If anyone else is interested in this topic or has any questions, the notes are here, and I’d be happy to hear from you.

The Internet Olympics – at least for people in the US

Posted by | technology | No Comments

China is a long way from anywhere in the US, and even San Francisco, with its Chinese immigrant history and psychological proximity, is nearly 1000 miles farther from Beijing than London is (London – Beijing: 5060 miles, SF – Beijing 5900 miles).

This counterintuitive fact is a result of just how vast the Pacific is and it means that following the games live will be difficult due to the time zone difference. As a result, here in the US, to keep up with the games, the internet will play a bigger factor than ever before. The Official Google Blog has a first stab at a roundup of places to go.

Meanwhile, on Smashing Telly, we have a video clip history of previous Olympic opening ceremonies.