• Editor’s Note, October 2025: A Show of Hands,Cole Novak

    Editor’s Note, October 2025: A Show of Hands

    Cool things are afoot—and sometimes they’re happening in what can appear to be otherwise boring places. Pulling into the office park in Rancho Bernardo where bionics company. Psyonic recently upgraded to a larger space, I was admittedly underwhelmed. Office parks, after all, scream dull utilitariani

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  • Mortgage payments eat up 79% of California’s median wage – with rates at 0%,Jonathan Lansner

    Mortgage payments eat up 79% of California’s median wage – with rates at 0%

    It’s hard to fathom just how unaffordable the homeownership dream has become. Industry buzz suggesting that a subtle dip in mortgage rates could make a noteworthy difference for homebuyers is somewhat misleading. Let me offer what I’ll admit is an absurd example. Think of 30-year mortgages with no i

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  • Is it better to rent or own in California? That depends.,Jeff Goertzen1, Jonathan Lansner

    Is it better to rent or own in California? That depends.

    The debate over renting vs. owning has long posed a challenge for households in California. Arguments have morphed in recent years as home prices and mortgage rates soared beyond the increasing rents. To illustrate the complexities, we’ve created a hypothetical rent vs. buy scenario to track housing

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