nassir

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It could be argued that most assets, over time, tend to exhibit bubble tendencies. Although I am not a crypto-currency expert, I invest in alt coins because of the media attention they are receiving and because of the investments pouring in from countries with unstable financial systems. My concerns are about the the robustness of the networks in light of heavy trading loads as well as flash crashes (like the one on the ethereum network 6/23) that could wipe billions of the table and lead to paranoid selling. Furthermore, big block traders (banks, governments, professional miners) might be able to manipulate the system by heavy volume dumping to later pick up coins at a lower price, in essence replicating what institutional investors do on wall street. It is my opinion that if one has a sum to invest that they are willing to lose altogether, the potential upside in some of the top cryptos might warrant taking the risk as this bubble could continue growing.

I have been using this service for about an year. It is extremely spotty when compared to AT&T etc, but I am sure it will improve over the next few years

A tactic to counter the emergence of the blockchain?

Not worth it

In my opinion, bad credit does not always imply the person is irresponsible or incapable of paying their debt. Landlord subjectivity is hurting some genuinely good people who would make responsible tenants.

That something could be:- - Too many good applicants with better credentials (I doubt this part) - Landlords pocketing fees from as many applicants as possible. - The tenant is now a commodity, unlike 7 years ago.. There are no regulations protecting potential tenants - Something like a single standard application that could be used across potential rental properties would be helpful - Subjectivity of the landlord. I sense landlords figure that there are certain types that will stay in the property longer and will keep the property in order. People with kids are seen as a red flag sometimes, and single people miht not stay in one place too long. And I can guarantee there are some unspoken racial considerations in there.

Anyways, I do suggest people get a credit monitoring app like credit karma and negotiate with a landlord to use that if possible.

Fremont

I faced a relatively similar situation when trying to rent in the East Bay. My wife and I both have 720+ credit scores as were looking to rent in the $2500 range. After going through applications at 3 places and getting rejected, I realized something was off. Our credit scores had been run multiple times and we had paid application processing fees at multiple places yet we were getting rejected. Perhaps the applicant pool is so strong that my 7X multiple on rent income and great scores won't cut it - but I find it hard to believe. Perhaps the blessing of a strong tech economy comes with the curse of arrogant and fraudulant potential landlords. Can't wait to get out of this city

Might be worth exploring emerging and frontier markets in areas such as payments etc. What I've come to realize is that in the US market at least, the cost of customer acquisition is high and continues to rise, hence if you are not well capitalized, within a short span you are out of the game