Big Data Tells Mortgage Traders an Amazing Amount About You | Bloomberg

Big Data Tells Mortgage Traders an Amazing Amount About You; Matt Scully; In Bloomberg; 2017-06-29.

  • Wall Street startup gives mortgage bond traders vivid data
  • Consumer rights watchdogs raise concerns about privacy



  • New York
  • Founders
    • Hans Thomas
    • Guhan Kandasamy
    • Ziggy Jonsson
  • Founded 2015


  • Claim: <quote>The average fund manager can gain 0.40 to 0.70 percentage point of return by using more intelligent data when trading mortgages<snip/></quote>
  • <quote>Regulators could conceivably deem TheNumber a consumer credit bureau like TransUnion or Experian Plc.</quote>
  • Propensity Scoring… ,br/><quote>TheNumber tries to determine how much pride a homeowner probably has in his or her property, based on information it gleans from third parties, such as whether the resident tends to click on online ads from home improvement and gardening stores. It’s not a credit score, but<snip/></quote>
  • Mortgate (financialization & repackaging) Regulation
    Reg AB II, SEC
    <quote>ended up requiring less information from issuers than it had originally planned, to protect borrowers’ identities.</quote>
  • (no reference given) An RFC; “The Consumer Financial Protection Bureau”; 2017-02.
    solicitation: <quote>comments about the benefits, and risks, of using alternative data.</quote>


In order of appearance

  • John Ardy, chief executive officer Resitrader (a mortgage resale market)
  • Lee Tien, a senior staff attorney, Electronic Frontier Foundation (EFF)
  • Frank Pasquale, professor, Francis King Carey School of Law, University of Maryland.
  • Jeff Taft, partner, Mayer Brown (legal advice)
  • Michael Osnato, ex-”head” of “an enforcement unit”, Securities and Exchange Commission (SEC)
  • Michele Raneri, (a) vice president of analytics and new business development, Experian
  • Paul Mangione, now-consultant, ex-staff, Apollo Residential Mortgage. Mangione
  • Brian Tortorella, staff, Smith Graham (mortgage trading, arbitrage).
  • Adam Murphy, founder, Empirasign Strategies LLC (mortgage trading & data)


In Bloomberg

Philips SoniCare FlexCare Platinum Connected Sonic Connected Toothbrush (with Bluetooth and Android App)

Models: HX9903/01, HX9957/51, HX9903/41. more

Philips: promotion

Amazon:B06XT1KDSD $200 (preorder)



Where Is the data stored?


Off box.  It is stored with Philips, in their cloud, somewhere. They keep it.

<quote ref=”page“>Your data will be saved, so even if you delete your app and reinstall it on the same or different smart phone. As long as you restore it in the same country you downloaded it in, you will see all your historical data.</quote>


The Hue Go puts wireless lighting anywhere in your house | Engadget

The Hue Go puts wireless lighting anywhere in your house; Andrew Tarantola; In Engadget; 2015-04-02.

Philips Hue Beyond: Hands On; some cub reporter; In Engadget; 2014-09-04.

Philips Hue Luminaires; some cub reporter; In Engadget; 2014-03-28.


  • Philips
  • Hue Go
    • new product is announced
  • Availabilities
    • 2015-06-01(ish)
    • $100+
    • Vendors
      • Apple
      • Amazon
      • Best Buy
  • Features
    • Battery powered.
    • (not more than) 3 hours of lifetime.
    • Preset Colors
      • Cozy Candle
      • Sunday Coffee
      • Meditation
      • Enchanted Forest
      • Night Adventure

Old Products

  • Hue Beyond
  • Hue Luminaries
  • Hue Tap (a device switch, like an appware controller)
    else <quote>200-plus aftermarket control apps</quote>


Leatherman Tread

How Leatherman Made That Amazing Multi-Tool You Wear on Your Wrist; ; In Wired; 2015-02-06.

tl;dr => not available yet, Leatherman Tread


Stainless Steel Tread
Leatherman TreadBlack Tread QM1

Leatherman Tread

Every link in the Leatherman Tread bracelet contains usable tools. It will come in both stainless steel and black DLC finishes (shown).

Links of the Leatherman Tread