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Jacob Larsen 🇺🇸 🇩🇰 🇺🇦 Profile picture
@SLCPaladin
Sep 20, 2023 • 19 tweets • 5 min read • Read on X
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This is my father’s involvement and some personal views of #OUR and #TimBallard. He was an early participant in one of the jumps, but came out against OUR after seeing firsthand the operations. He does not identify as LDS, which puts him as an outlier.

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(From my brother) Image

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More from @SLCPaladin

Jacob Larsen 🇺🇸 🇩🇰 🇺🇦 Profile picture
Apr 2
This is a 🧵on the most expensive housing markets in the US right now based on current home price data, interest rates, and the prevailing wage in these states.

Here are the 5 most unaffordable housing markets:

1) California
2) Hawaii
3) Montana
4) Colorado
5) Utah

1/
The starting point for my analysis came from this CNBC article which itself was a Bankrate analysis of Redfin data.

The shocking headline is that you need to earn over $100k in 23 states to afford a median priced home.

2/
cnbc.com/2024/04/02/us-…
Per the article, here are the salary requirements for the 23 least affordable states in order to afford a median priced home in that state:

3/ Image
Read 22 tweets
Jacob Larsen 🇺🇸 🇩🇰 🇺🇦 Profile picture
Oct 27, 2023
I'm going to discuss Senator Lee's recent proposal to address affordable housing in UT. Senator Lee calls this the "HOUSES" act. He wrote an op-ed in the Salt Lake Tribune few days ago.

HOUSES Act reduces unnecessary barriers to homeownership in Utah

1/
sltrib.com/opinion/commen…
Right from the outset, @BasedMikeLee fundamentally misdiagnoses the problem with affordable housing.

"While many factors contribute to this crisis, there’s an elephant in the room that we can no longer ignore: the vast amounts of land owned by the federal government."

2/
@BasedMikeLee The Wall Street Journal had an excellent piece on the rising cost of land:

3/
Read 22 tweets
Jacob Larsen 🇺🇸 🇩🇰 🇺🇦 Profile picture
May 7, 2023
Our nephew is a kindergartener that lives in Lehi, UT. He was telling his grandma (my wife's mom) that his life isn't going well. He's only 7 and is in 1st grade. Grandma concerningly asked, "Why would you say that?"

1/
He said, "well, my brother is mean to me and kicks me a lot." That is of course concerning. But the next part was heart-wrenching: "And, I peed by pants at school and now all my friends make fun of me." Grandma delicately inquired why he had accidentally peed his pants.

2/
My nephew responded, "Well, we were having a lockdown drill and I forgot to go to the bathroom before it was going to start. We didn't know when it was going to start and I was afraid I was going to get trapped in the hallway and get shot."

3/
Read 5 tweets
Jacob Larsen 🇺🇸 🇩🇰 🇺🇦 Profile picture
May 6, 2023
Salt Lake Tribune out this morning with a puff piece on how great $ZION Zionsbank is for the community and why we shouldn't want it to fail. It's. About. The. Rates. Zions deposit rates are WAY below inflation.

1/
sltrib.com/opinion/editor…
Leaving your money at Zions at this point is willfully giving them your hard earned savings, even if it IS below the $250k FDIC limit.

Zions isn't a charity. They should pay 100-200 bps above inflation for my money. That's just me.

2/
Do these rates look attractive to ANYONE in a 6-9% inflationary environment? If you'd had any significant amount of cash at Zions in the past 3 years, you've probably lost 20% of your purchasing power.

3/
Image
Read 9 tweets
Jacob Larsen 🇺🇸 🇩🇰 🇺🇦 Profile picture
May 6, 2023
What's the matter with New York? It's simple: it's housing costs. It's not crime. It's not taxes. Consider this inconvenient factoid of Texas vs California:

1/
sltrib.com/opinion/commen…
"The middle 60% of taxpayers in Texas pay 9.4% of their income in state and local taxes. That’s actually higher than the tax rate on middle-income families in California."

Many people (us included) would MUCH prefer to live in a blue state instead of a red state.

2/
But blue state housing policies are garbage.

3/
Read 17 tweets
Jacob Larsen 🇺🇸 🇩🇰 🇺🇦 Profile picture
Feb 21, 2023
I loved this article on the intersection of AI and call centers. I used to manage a “contact” center of 120+ and I have strong opinions on this.

1) companies should get rid of most IVRs are route to a human right away

/1

apple.news/AOxdC4YtXRlmAX…
2) Quality control (where agents listen and score other agents) is really kind of arbitrary and biased. AI will only bed the linguistic/tonal biases further. QA monitoring should be non-scored, and reflective only.

/2
The big problem isn’t one of “automation”, but rather empowering. When software engineers, developers, logistics, and operations are far from the voice of the customer, that’s the problem.

/3
Read 6 tweets

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