a16z Podcast: Real Estate -- Ownership, Asset, Economy
a16z Podcast13 Jan 2017

a16z Podcast: Real Estate -- Ownership, Asset, Economy

The largest asset class in the United States is owner-occupied real estate, yet options for homeowners accessing this are very binary right now: either own 100% of your home (with a mortgage), or own nothing. And when people do “own”, that ownership is often skewed by debt. Of course, debt works out great for some, given their risk profiles and potential upside (if the house keeps appreciating); but the downside risk and costs are disproportionately borne by the homeowner. And millennials can’t even enter the housing market in the first place.

So how can technology help address a system skewed by debt financing, by letting homeowners sell fractions of equity to unlock wealth without necessarily borrowing against their homes? How can such new approaches help homeowners and financers better align risk and incentives, and unlock a whole new asset class for all kinds of investors? How can they help avoid mortgage crises around the world, and the macroeconomic impact of reduced spending, lost jobs, and more? And finally, what is the role of policy here … especially since the government is de facto subsidizer of certain home finance products over others.

We discuss all this and more in this episode of the a16z Podcast, featuring general partner Alex Rampell; CEO & co-founder of Point, Eddie Lim; and Atif Mian, professor of economics and public affairs at Princeton University who also co-authored (with Amir Sufi) the book House of Debt: How They (and You) Caused the Great Recession, and How We Can Prevent It from Happening Again — in conversation with deal and investing team partner Angela Strange.

Episoder(906)

a16z Podcast: Mapping the Information Economy -- Where’s the Cloud Going Next?

a16z Podcast: Mapping the Information Economy -- Where’s the Cloud Going Next?

a16z Board Partner Steven Sinofsky and Box CEO and co-founder Aaron Levie discuss findings from a study of the information economy that has been built on cloud and mobile. The findings were based on workflow data collected anonymously from a subset of 25 million users, 225,000 businesses, and five industries (you can see the report here: http://blog.box.com/2014/06/mapping-the-information-economy-a-tale-of-five-industries/). It all amounts to big shifts in enterprise IT. But what are the implications of these findings for everyone’s business ... beyond Silicon Valley and the software industry? And finally -- shared in a live brainstorm at the end -- what’s the future of the cloud?

13 Jun 201417min

a16z Podcast: The Promise (and Nightmare) of Cross-Platform Software

a16z Podcast: The Promise (and Nightmare) of Cross-Platform Software

The announcement by Apple of its new programming language Swift is prompting developers to consider yet again how to tailor their efforts in the battle between iOS and Android. Benedict Evans and Steven Sinofsky discuss the questionable history of cross-platform software, and strategies for startups building apps today. How developers can build great apps on both of the largest mobile platforms. This platform question is one Sinofsky has been grappling with for a very long time, and which he also details in this post: http://blog.learningbyshipping.com/2013/07/08/juggling-multiple-platforms-and-the-bumpy-road-ahead/

6 Jun 201416min

a16z Podcast: The Apple WWDC 2014 Deep Dive

a16z Podcast: The Apple WWDC 2014 Deep Dive

Benedict Evans is a veteran of Apple’s big events and puts all the announcements and demos into one of three categories: 1) all the cool incremental improvements to the Apple operating systems; 2) the tent-pole features that Apple likes to build marketing campaigns around; 3) and finally, the fundamental strategic moves by Apple that serve to push the company ahead of the competition. With help from Andreessen Horowitz technical talent partner Dave Jagoda, this segment picks apart all three categories.

3 Jun 201423min

a16z Podcast: You Just Thought You Were Building a Software Company. It's a Community.

a16z Podcast: You Just Thought You Were Building a Software Company. It's a Community.

For Jim Gilliam, the founder of NationBuilder, community is everything. When he needed a double lung transplant, Gilliam turned to the Internet and to his online community to make it happen. He's organized political campaigns, made documentary films, and built his company NationBuilder by tapping into the power that large scale communities on the internet provide. Community at internet scale is a deep reservoir of people, ideas and yes, money, that Gilliam believes changes how we do almost everything - and makes almost anything possible.

30 Mai 20149min

a16z Podcast: Bending Every Pixel to Your Will -- Optimizely and the Next Wave of Internet Tools

a16z Podcast: Bending Every Pixel to Your Will -- Optimizely and the Next Wave of Internet Tools

Optimizely is a superb example of the democratization of software development. You don't need an engineering degree to fire up Optimizely and start testing how design changes on your website -- down to the pixel level -- affect things like time on site, closing sales, navigation, etc. The a/b testing Optimizely offers is just one example of a new wave of tools born of the internet, and designed for how people work, shop, research and entertain themselves online. Andreessen Horowitz's Scott Weiss, who is taking a seat on the Optimizely board following a16z's recent investment, a16z Partner Tom Rikert, and Optimizely co-founder Dan Siroker discuss the next wave of internet tools, where entrepreneurs are headed next, and how virtually anyone can avail themselves of this technical brawn.

20 Mai 201420min

a16z Podcast: The Two Big Problems With Thomas Piketty’s “Capital in the Twenty-First Century”

a16z Podcast: The Two Big Problems With Thomas Piketty’s “Capital in the Twenty-First Century”

“At a moment of great concern about inequality, now comes a learned tome proclaiming the gravity of the inequality problem,” says Larry Summers in a conversation with Andreessen Horowitz’s Balaji Srinivasan. “It’s a stunning thing, and it must reflect positively on the growing intellectualism of the society that a book like that could be a best-seller.” But that doesn’t mean Piketty got it right, adds the former Secretary of the Treasury and current a16z special advisor. Summers describes the two big problems he sees with Piketty’s argument, and how the forces of technology and globalization are better lenses through which to view and explain income inequality.

15 Mai 201415min

a16z Podcast: Demystifying Venture Capital

a16z Podcast: Demystifying Venture Capital

What do venture capitalists actually do all day? And what is the path that leads to a career investing in startups? Hummer Winblad’s Ann Winblad, Cowboy Ventures' Aileen Lee, Aspect Ventures' Theresia Gouw, Intel Capital veteran and UPWARD founder Lisa Lambert, and Andreessen Horowitz’s Margit Wennmachers discuss VC trends, the importance of technical chops, and how to build the next generation of entrepreneurs and investors. And finally, in front of an appreciative crowd attending the UPWARD event at a16z, Ann Winblad reveals the secret to truly kicking ass.

2 Mai 201437min

a16z Podcast: When Your PC Expires, What's Next?

a16z Podcast: When Your PC Expires, What's Next?

Computing is in the midst of a transformation that puts your future device purchases up for grabs. It’s a safe bet that everyone will have a phone, and as the last holdouts switch over, that will inevitably mean a smartphone. But when your PC finally gives up the ghost, are you going to buy another PC? Perhaps a tablet? Or will another large screen device –a really big phone - be the ticket? Maybe just get all three? Benedict Evans and Steven Sinofsky discuss why laptops and tablets are competing for the same customers, and why it’s never wise to defend any form-factor to the death.

30 Apr 201416min

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