What are all the current bubbles that exist. What is the most important one?

Real estate can only go up, pussy

"""investing""" in real estate is probably the biggest meme of the 21st century so far

Get a real investment you pleb

Try again newfag

Why real estate again. Is this just going to keep happening over and over? Is there an aspect to it that makes it the best candidate for a repeated bubble?

yes.
real estate is a safe market because you give a loan and get return + interest over time.
investors and contractors keep manipulating the market with slow construction, slow permits,slow city hall authentication. and just shill constantly that there is shortage of houses. which increases the housing prices to soar up and forces the banks to keep interest rate low

Why would a shortage make the interest rates on the loan low? Sorry it might be obvious and I don't know as much as I should but I am trying to learn.

but when you add the dividends from renting real estate ...

Anything with the word "Trump" before it.

Currently it's "Trump Stock Rally".

Real estate in Lima is completely fucked for a country where the minimum wage is less than $300

College bubble

the college meme

Real estate, once again. London, Stockholm etc are all popping. They won't cause a financial crisis but it might cause less consumer spending => stocks drop.

>Federally guaranteed student debt

Not really something you can bet against. It's secured by the US govt.

College itself is becoming more and more expensive and more and more worthless.

Number one is the credit bubble that is fueling both housing and stock prices. Real wages have been flat for more than 20 years and housing and stocks have outpaced population growth.

Number two is College degrees. The current debt fueled push to put poor people in college to make them smart makes about as much sense as putting manlets in the NBA to make them tall. Stupid people will fail economically weather they are aware of the latest marxist gender identities or not.

The third and final bubble is the dumb-fuck bubble. 2/3rds of global humanity is superfluous. People with IQ's below 95 are either super-predisposed to violence and crime, or below that are literally functionally retarded. Dumb people consume resources beyond their means of producing, the have dumb kids beyond their capability of caring, and do jobs increasing made obsolete by automation. If there is any serious disruption to global food production going forward, expect hundreds of millions to starve to death (progressives will inevitably make this worse by voting to try and support the retards)

>What are all the current bubbles that exist. What is the most important one?

Ok shortie, you wanna know what is the biggest bubble ready to burst next year 2017.. you really want to know?!? Well kid, this bubble's been in the making since the 40's, there were corrections but it never bursted, now however it has so much toxic shit in it that it just cannot be cooked any more. Next year it is going to burst big time, and a lot of shit is going down so I doubt you or anybody will be glad that it happens. I am talking about the bubble known as the United States of America.

Yeah, that's precisely why it's a bubble.

Everyone goes to college now. It's been watered down to the point of a glorified high school. The government throws billions of dollars away pushing every single student to go to college. If you're getting a free ride go right ahead, but for the rest of middle income FUCKING WHITE MALES college is ridiculously inflated.

The actual education you could get much quicker and much cheaper learning on your own or working an apprenticeship. The internet was still maturing 30 years ago. If you wanted to learn something you needed access to books and instructors. Today we can learn *ANYTHING* we want from the comfort of our own homes FOR FREE with a simple internet connection.

75% of your classes are just professors reading a PowerPoint anyway. The material itself? Maybe 10% of it is actually useful once you graduate, the rest you memorize to take a final. Wow, such value!

The only thing holding this meme together is old management which still values college degrees since they actually meant something years ago.

We need metrics to "weed people out" and that is the one thing college still manages to do today. But it's 4 years and heaps of debt just to prove to your employer "hey man i'm not a complete jackass". When a more effective litmus test is accepted college as we know it is finished.

Why don't Americans get their degrees in other countries? The two way flight and housing is actually cheaper than those near 6 figures in debt.

how else do you recommend jobs 'weed people out' if unis were out of the picture?

you take loans on interest.
the government reduce interest rates to encourage lending. when the bank gives credit the economy moves forward

because non-american degrees are useless

american degrees are distinguished worldwide

>ETH Zurich
>useless
And cheaper than American education.

One example that proves your point right out of literally hundreds of thousands of examples. We in the educated world call that an outlier.

Cheap debt. I think the amount of people buying real estate on debt is much higher than people that are willing to buy for example stocks on debt.

There are plenty examples, citing each would degrade the argument into a listing which defeats its purpose.
>We in the educated world
Good, in the educated world we learn statistics in high school.

Underrated post

what if I just want to own a classic porsche and don't give a damn about what it's worth?

They already have exams to test the knowledge of people who want to become professionals in any field, like architects taking the ARE or lawyers taking the bar exam. The only problem is that the system is set up so that you need a college degree as well as a passing grade on these tests (as well as other things, such as 3 years work experience) to become a professional. It's so fucking stupid that we require degrees to do these jobs when we already have tests to weed out those who are undeserving of them.

We need to have higher education institutions that aren't focused on the 4 year drink-a-bunch-and-have-sex college experience that costs 25k a year.

This. The test should be the only thing that matters. Forcing people to pay 100k to learn the same stuff in 4 years is stupid. You could learn the material in half the time using online resources and books for (almost) free. You end up with the same knowledge.
First year of college is taking bullshit classes anyway that only serve to give the photography professor a job.

To add on this, things like coding boot camps will be the future of education. Hard, intense, compact studying to learn one subject a time. I love things such as vocational schools because they are cheap, hands-on, no bullshit, and fast. You take 0.5-1 year of classes, then you're off to work

That's because real estate (commercial and residential) which is purchased via debt (mortgage loan) requires an excellent credit score and a hefty cash down-payment. Stocks, however, can be purchased "on debt" via margin accounts provided by brokers or clearing-houses. Purchasing stock on debt is available to anybody with the capital requirement stated by the broker, purchasing real estate on debt is available to only those who meet the credit requirements, cash down payment requirements, and background checks from the bank supplying the mortgage necessary to purchase the property.

Cheap debt is a problem, but I don't think you understand it. It's more about the insanely low interest rates on loans as opposed to the assets being purchased using said loans.

Lad I don't think you understand that not everyone graduating from high school (secondary school) have the same level of education. Different schools teach different things and there are thousands of variables that play into this (like private vs public schools, geographical location, demographic within said school, etc.) College education is the easiest way to tackle this barrier as all college grads of the same major will likely have learned all of the same skills that their future colleagues have learned.

For instance, you may be able to teach a kid to program or code in 1 year flat but can that same kid (with no other post-secondary education) write up reports in AMA format for his department head? Does that kid understand the structure of the business well enough to know what person to email when he has a specific questions regarding company policy? The basic core course curriculum for most degrees prepares your average student for the working world better than that of vocational schools.

But at what cost? 6 times the tuition and 4 times as long? You learn what is necessary to perform the job, then learn from there, both on the job and outside the job.
And of course not everyone graduating from high school has the same level of education. Why wouldnt a vocational school eliminate the gap? The curriculum is more standardized than a college degree.

Because you're only learning the skill that the vocational school is to teach you, such as programming. However, during studies for a Bachelor's degree a student would learn about a multitude of subjects ranging from basic humanities (like philosophy) to complex maths (such as PDEs). This better prepares the student for a wide range of jobs, even more so for the specific job they are seeking after graduation.

I agree with you on tuition cost and how long it takes most student to graduate. But there are many factors playing in to tuition cost that the university simply cannot control while maintaining the same level of education, and the university can't very well make students graduate on time or else.

I think that we are in agreement about what each type of education has to offer, we just see the purpose of education differently.

Indeed. And the purpose of education differs greatly on a case by case basis. Are we in agreement that student loan debt is not in a bubble though? I see it as follows:
>more students are pushed to attend uni who can't afford it so more student loan are taken out
>more students default on said student loan for a multitude of reasons I won't get into
>this increases the overall default frequencies on student debt by the borrowers
>this increase mean more credit risk (default risk) for students taking out student loans so the provider of said loans must keep charging higher interest rates to suffice for this credit risk

It all makes sense in the grand scheme of debt markets. What those loans are packaged into after securitization is whole different topic but still does not point to any bubble in my opinion.

The human bubble. Too many human beings. Not trying to be edgy, just think the post WW2 zeitgeist has been a grotesque worship of humanity. Of course there have been conflicts since then, but our world would really benefit from a massive human cleansing.

Have you actually taken college classes?

It's a bunch of half asleep retards staring blankly as their """professor""" reads a PP presentation. You memorize a bunch of random nonsense to pass your midterms and then promptly forget it.

You might actually learn something useful in your higher level major classes but the fluff they make you take to keep you there for 4 years is a complete joke.

College makes you a more "well rounded" person because you're working and living with others your same age. It has nothing at all to do with the bullshit classes.

I wasn't referring to student debt as a bubble, but rather the cost - benefit of a college degree. There will reach a point at which the value of the degree will not be worth the cost to most people. There are a million factors such as what degree, what school, how much is tuition, how much familial wealth, etc that changes it for everyone. Maybe not a bubble, but more like a balloon that lets out its air.
A 4 year degree to me is not worth the cost to me personally, and I see more and more people having the same opinion as tuition rises.

Btw I appreciate you not acting like 95% of Veeky Forums and just saying "cuck faggot kys" too :P

I have two degrees from Columbia. You probably just went to a shitty state school, no offense but they're notorious for not teaching very well. It's most certainly on the student to research the potential university to make sure quality of education is present.
Also, if a student only memorizes subject matter for their tests and then forgets it, said student isn't learning anything they're simply "memorizing for the test." They've probably wasted four years not learning which will hurt them a lot later in life. Interpret that however you'd like.

College tuition may or may not take a nose dive in the near future. More likely however, will be that cheaper universities won't be able to pay the bills and will be shut down or absorbed into larger, more expensive colleges. Where it goes from there, I have no idea.
>Btw I appreciate you not acting like 95% of Veeky Forums and just saying "cuck faggot kys" too :P
People that post like that are usually in high school and day-trade with $100 in a free brokerage account. They make up like 50% of this board and, not surprisingly, contribute 0% to the subject discussion. They're the ones who make the threads with the pictures of Leo DiCaprio from Wolf of Wallstreet asking how to double their money or some equally daft shit. When you see a post by one of them just remember, sage goes in all fields.

>Subprime autoloans
Where do I get one in Ontario, Canada? I really need a car for as cheap as possible and with a down payment of under 3000 bucks.

All US real estate is due a boom soon. The wages don´t match the real-estate value at all.

>tfw it's true

Then it's not an investment

> talks about it being a meme in the 21st century
> posts graph showing 1974
> does not make it a TR graph

Kys.

Real estate has been doing exceptionally great in the last few years. You're probably too late now though with interest rates starting a mild ascension.

I'd say the biggest bubble is the environment.

We can't sustain anything we do and I feel like many people alive now will see first-hand the collapse of most non-microbe animal life. The number of fish, birds, land mammals, etc will drop below critical population numbers and just disappear.

This literally keeps me up at night.

USD. screencap this with gold, bitcoin and USD charts.

Agreed

But also Henry Rollins bubble until the last "genXer" dies. Would you invest in Jeneane Garofalo? Lol obv no
>Rollins/genX bubble

>Is this just going to keep happening over and over?
What will keep happening? Nothing happened user. Not in 2007. Not in 2011. There still has not been a correction in real estate markets. There have been minor pauses in the rise but real estate is still overvalued pretty much everywhere. There's now a cultural expectation that people grow up with thinking that real estate is a 100% safe investment and the price will only ever go up because that's all their parents ever knew and all they ever knew. The last true real estate bust was in the 80s. When the next one comes there will be literal blood in the streets and like every crisis the rich will stay rich and safe and probably even profit, the middle class will become poor, and the poor will get absolutely fucked.

this user speaks the trufh

underrated post.

Colleges and Universities.

In 5 years the house of cards is gonna come crashing down. Expect to see tons of layoffs and property sold at rockbottom prices.

I would say student loans, but the government will just find some shady way to move money around and make the default debt vanish.

>What are all the current bubbles that exist. What is the most important one?

google.com/finance?chdnp=1&chdd=1&chds=1&chdv=1&chvs=maximized&chdeh=1&chfdeh=0&chdet=1482194342815&chddm=4023390&chls=IntervalBasedLine&cmpto=INDEXSP:.INX&cmptdms=0&q=INDEXDJX:.DJI&ntsp=0&ei=hX1YWNGABYWN2AaKvLXYCA

>ctrl+f "tech"

What the fuck are you homos babbling about? We've got a massive tech bubble on our hands.

The "money" meme.

Soon, cold steel will rule. I don't know why people invest into stocks and things that they can't tangibly touch as opposed to things they have in their possession like guns or land or even raw commodities.

Tech in general or do you mean tech startups? Difference is, one is in a bubble and the other is just a little inflated (in terms of valuation).

I would definitely say that startups are overvalued, and internet-of-things developers and social media platforms are in a bubble.

My shortlist of what make the bubble up:

NEST
FIT
FB
TWTR
GOOGL

I'm always willing to listen and learn something from someone so I'd be happy to listen your thoughts on tech stocks.

The guys at my firm used to call these new 2010-era stocks "FANG stocks" due to Facebook, Apple, Netflix, and Google being some of thee first and finest to do what all of these companies are attempting to do (make an unconventional addition to the bottom line). Cramer has since killed the term but you get the idea.

I can probably start with Google:

Google is interesting, since they produce nothing other than a service, and I am sure you know that unless you have a monopoly on a service, you should know the business of it is not tenable nor reliable. I think Google's development in big data technologies and the collection of it are great-- data is indeed a commodity at this point, as it does appear that advertisement does seem to be a two-fold service now. I would honestly wager this to be more of a tail-wags-the-dog effect. I think Google is better off working on their Fiber solutions, as smaller telecoms like Frontier and Lighthouse could easily provide them a stepping stone. I would bet you that they'll buy out Frontier in the next 10 years, or at least the old FiOS lines that they bought from Verizon due to the litigation that Verizon transferred to Frontier and along with the fact Frontier's workforce is 70% contracted. As Machiavelli says, one must not defend a country with mercenaries. Every Telecom is waiting on Google’s move. Many CEOs of telecom companies have went on record basically saying, “Hey, we’re not changing our business plan until Google shits on us. We might as well just save our money in infrastructure costs and just keep making our cash the way we are now before we get shit on.” I have no idea as to why Google keeps pursuing these silly projects, their outlook would be far more positive with the set up of a California/Texas/Florida support of fiber optic lines. I think they're thinking that they're playing the long game with creating the infrastructure that would essentially require these old telecoms to upgrade, move their price point up, and for them to come in with their $800 projected OTF for fiber optics to the home (cont.)

I should correct myself, they're not creating the infrastructure, they're creating the technologies and softwares and programs that would require an upgraded method infrastructure.

>75% of your classes are just professors reading a PowerPoint anyway. The material itself? Maybe 10% of it is actually useful once you graduate, the rest you memorize to take a final. Wow, such value!

I am a university academic. Can confirm.

Do you know the name of the biggest educational institution in the world?

It's YouTube.

>Soon, cold steel will rule.