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On November 20, 2016, mzirngibl commented on Airbnb – Evolving from Rooms to Experiences, Places and Meet Ups :

Interesting post Andrew! The sharing economy of AirBnB, Uber, etc. should drive a lot of efficiency in our economy as capital assets (i.e. cars, homes) are better utilized and middle-men are cut out. Online reviews at AirBnB, Yelp, TripAdvisor, etc. also hold businesses much more accountable, with benefits accruing to the consumer.

Great post Iryna! I think government’s slow digitization is a classic example of how government lags free enterprise in adopting organizational innovation, such as scientific management in the first few decades of the 1900s. Bureaucrats are less incentivized to change because they are not in the same competitive environment that businesses operate in.

On November 20, 2016, mzirngibl commented on The next quantum leap and the end of business as we know it :

Very interesting post Mark! I would be very interested to understand how these multiple realities are actually harnessed so a computer can operate in 50 realities at once. Maybe that’s more of a PhD in physics question than b-school question though!

On November 20, 2016, mzirngibl commented on AMAZON IS BUILDING BRICK AND MORTAR BOOKSTORES. SERIOUSLY. :

Very interesting post Spencer, as evinced by the huge amount of comments! I thought it was really interesting how these stores could be used as logistics hubs. For example, many people living in city walk-ups struggle with how to get packages delivered. Nobody wants valuable packages lying around outside and people are rarely home to when the UPS or Fedex delivery-person arrives. Having packages delivered to your local Amazon bricks-and-mortar location might be a neat solution this problem.

On November 20, 2016, mzirngibl commented on Disrupting Wealth: Bettering the Wealth Management Industry :

Very interesting post! In my mind, wealth managers still provide some significant value adds vs. a robo-adviser: (i) access to alternative investments such as infrastructure, HFs, or PE, and (ii) tax, estate, and family financial planning. Also, robo-advisers are very different from mutual funds in that they are not performing any fundamental due diligence on investments. Studies have shown that active mutual funds do not out-perform passive fund (such as Betterment), but in a world where investors increasingly choose passive vehicles, active investors may find more opportunities to out-perform.

Very interesting post. It is crazy how little regard many reputable leaders have for actual truth…or does Murray truly believe that this is a Democratic “crony capitalism” conspiracy? If he does, that would speak to the power of human self-rationalization. I guess the line between the two gets blurry as you peddle certain talking points long enough.

On November 7, 2016, mzirngibl commented on The Crossroad faced by state-owned China Coal Corp :

Really interesting post and my favorite so far! It’s interesting to consider the tension between needing coal to stay warm in the winter and the very discernible damage it wrecks on your city’s atmosphere. You seem sympathetic to the coal company, but I could have easily seen it going the other way. I think the silver lining here is the awareness for environmental issues it raises in China, which is poised to be the world’s largest economy in the near future. If the effects of pollution were invisible in the near-term, then the Chinese would have much less incentive to change policies.

On November 7, 2016, mzirngibl commented on UPS – How 3PLs are Confronting Climate Change :

Clearly a well-researched and thoughtfully conceived post. Has UPS seriously considered electric drones in package delivery? This could be a real game-changer in their sustainability efforts. I think they are a more natural player than Amazon to explore this technology, given their infrastructure and greater understanding of package logistics. However, a counterpoint is that UPS does not have the same innovative technology DNA as Amazon.

On November 7, 2016, mzirngibl commented on Travelers Insurance: If storms are getting worse, who pays first? :

Riveting prose Robert! If climate change is making weather more extreme and unpredictable, why wouldn’t this be long-term good for the business? They would need to charge higher premiums (more sales), would be higher value-add due to the added difficulty of underwriting this type of insurance and greater need (more margin), and the market might grow as more consumers/businesses demand insurance (more sales). Tell me tomorrow what I’m missing!!

Trenchant analysis of AIG’s climate change woes. It is interesting that climate change actually affects AIG’s business. One might think that the additional risk of extreme weather events could just be priced in, as I assume climate change is slow moving relative to the duration of AIG’s contracts. We should chat tomorrow.