Common Sense SF

I wish every SF politician would read this tweet. SF had some of the most valuable companies HQ'ed here, but now the golden goose is leaving (and taking tax dollars w/ them). We need to take steps to cultivate a more business friendly environment ASAP before it's too late.

The impact @solve_sf (and its community of users) is having on SF is absolutely incredible. If @solve_sf had 10x as many users, SF would be 10x cleaner. Let’s make it happen. Download the app here: solvesf.com

@investingluc There's also fintechs focused on credit like Upstart and SoFi.

I was laying in bed last night thinking about the news regarding a 10% cap on credit card interest rates. And there's a huge winner. (but it’s not shorting $V or $MA like everyone’s screaming about) It's the BNPL trade. Why? If credit card issuers get forced into a 10% cap, they’re going to pull back on risky borrowers...really fast, which instantly removes access to credit for millions of people. But (obviously) those consumers can't just stop spending, so they just migrate to using something else. ...and the only place for them to migrate is *buy now, pay later*. Trump's announcement becomes a *structural* tailwind for BNPL adoption. Without access to credit, people get pushed to alternative "credit" rails. We literally just saw record numbers of BNPL activity over the holiday season. Demand is there. So you have tightening credit, record demand, and a political catalyst that steers millions of consumers into BNPL by default? aka an entire sector is on the verge of re-pricing... I'm watching a few BNPL names: One. $AFRM...cleanest pure BNPL exposure in the usa with a huge merchant network, and a direct volume lift coming Two. $KLAR...largest BNPL platform in the world, recent IPO, eating market share in the US quickly Three. $PYPL...massive distribution, "PayPal Pay Later" is already everywhere at checkout Four. $SQ (owns cashapp + afterpay)...exposure to BNPL + consumer lending rails...secondary winner But my top focus is $AFRM. > more direct exposure & sensitivity to the U.S. credit tightening catalyst > affirm is overwhelmingly us-centric > stronger U.S. merchant penetration > direct $amzn integration > exclusive partnership with $shop I like $KLAR too, but if this 10% cap only applies to the USA, then $AFRM is the most direct, immediate beneficiary. This theme is about to really heat up. $AFRM is currently $81.80.

@WhaleEverything @NoLimitGains @grok DONE

San Francisco will never have good public transit if antisocial behavior is not aggressively enforced.

"City crews spent the last decade painting red transit-only lanes on roads, and building bulbs for easier boarding. And on balance the buses don’t run any faster." @SFMTA_Muni Eliminate half the stops in the city and the buses will immediately run faster. sfchronicle.com/sf/article/mun…

Crime in San Francisco this past year has seen historic declines—down nearly 30% citywide. Homicides dropped to their lowest level since 1954, car break-ins are down more than 40%, and we took more than 56 pounds of fentanyl off the streets. The momentum is real, San Franciscans are feeling the difference, and we’re going to keep going. Thank you to @SFPD and our city partners for their relentless work to keep our communities safe.

Newsom has actively tried to conceal waste and fraud in homelessness spending. He vetoed a bill to require reporting on cost and outcome data, which had passed the Legislature unanimously and was recommended by the State Auditor after finding the state lost track of $24 billion.

San Francisco’s Westfield Mall isn’t dead because of ecommerce . Stonestown in SF and Valley Fair in SJ are thriving. Westfield is dead bc @sfgov allows drug traffickers to have free rein of the public space around it.

Insane how desensitized we've become to allowing our cities to become open-air insane asylums with the mentally ill & criminals taking over our public spaces. There are countless "police instantly recognized him" folks in SF who are just one encounter away from tragic violence.

@rohindhar @AshishSardana21 This is definitely Cole Valley, not Ashbury Heights. Clayton is the unofficial dividing line.

@AshishSardana21 Oh yeah, technically in Ashbury Heights you’re right! Though not in one of the more picturesque parts of that neighborhood

San Francisco house in the Cole Valley neighborhood that went under contract after a year of not selling

@terronk Dean Preston 2.0

Anyone else have a city council member who calls every constituent who disagrees with them a fascist, or is that just a San Francisco thing?

Waiting at 4th & King waiting for the N-Judah for over 15 minutes. We can see the train and are just waiting for it to start its route. @SFMTA_Muni doesn’t deserve any tax more money until they show they can actually operate transit.

What hero will revitalize the Sutro Baths and turn them into this?

Golden Gate Park is lit up! “Lightscape” opens at the Botanical Gardens on Friday but you can already see the lights as they get it set up. This is going to be awesome. gggp.org/lightscape/

hey guys please address the cost of housing I don’t want communism thanks

SF Supervisor @JackieFielder_ is trying to use a cat running in front of an autonomous vehicle as a reason to ban AVs. She has said nothing about the Oliveira family nor Hanako Abe, who were all recently annihilated by human drivers in SF.

An autonomous vehicle hitting a cat is sad. Let’s check in on Union human drivers in San Francisco:

BREAKING: Jennifer Friedenbach, founder of @TheCoalitionSF — who has led City Hall’s homeless narrative for nearly three decades and doled out the billions she lobbied for in Prop. C funds, is off the OCOH committee.

The policy of “algebra is racist, ban it in middle school” can be traced to activist @joboaler, who charges $5k/hr to lecture on equity and has had multiple research misconduct complaints filed against her. One of the most insidiously harmful people in education.

Waymo hit a cat that darted in front of it, so progressive Supervisor @JackieFielder_ wants to ban Waymo with the support of Teamsters who ran over a teacher in a school zone in her district.