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Stay Curious.
Make the most of your college experience.
Jeff Hulett
Curator, The Curiosity Vine
Stay Curious.
The Curiosity Vine is an idea incubator.
Our contributors have experience and interest in a variety of high-impact topics, such as science, technology, conservation, mathematics, data science, public policy, economics, and others. Our objective is to promote early-stage ideas, enable idea collaboration, and test idea purchase.
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TCV platform is curated by Jeff Hulett.
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Join our team - become a TCV contributor!
Learn about why you should join The Curiosity Vine.
TCV's ideas are used to provide seminars, write books, build businesses, and especially to help people.
So take a look around the site, feel free to ask or answer your own questions, and enjoy your own curiosity exploration!
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Featured Posts
The Calculus of Sovereignty: Rebuilding Math Education for Modern Consumer Defense
A quiet concern ripples through the mathematics faculties of elite American universities. Professors point to plummeting standardized test scores, the abandonment of the SAT, and a general decline in numerical fluency as evidence of a shifting baseline in student performance. This comforting, simple narrative suggests students today lack the grit, the baseline intelligence, or the foundational preparation necessary for success in higher education. This view misses the broader
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The Epistemology of Seeing
In our data-abundant era, we treat data as the primary engine for optimization. Organizations invest billions of dollars in automated analytics, machine learning, and artificial intelligence. These investments rest on a compelling premise: a large dataset combined with a powerful spotlight allows leaders to manage operational or financial problems systematically. We treat historical frequencies as a reliable compass for future events. In this new AI age, the massive datasets
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Re-Declaring Independence: How the Information Age Flipped Jeffersonian Liberty on Its Head
In the summer of 1776, Thomas Jefferson penned a phrase the Western world now claims as a moral bedrock. His assertion remains famous: All individuals possess unalienable rights to life, liberty, and the pursuit of happiness. This phrase issued a profound declaration of choice. To the Enlightenment mind, deeply influenced by the philosophy of John Locke, freedom operated as an additive property. Liberty required the expansion of horizons. It meant breaking down artificial wal
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Why Your Brain Hates Wealth: Overcoming Loss Aversion in Financial Decisions
Our biology primes individuals to prioritize avoiding losses over achieving gains. This evolutionary setting helped preserve survival in primitive conditions, but it often creates friction when applied to modern wealth management. Modern wealth accumulation requires individuals to move past these instinctual defaults. This article examines the mechanics of loss aversion, the variable nature of individual risk thresholds, and the psychological traps that lead even well-educate
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The Calculus of Sovereignty: Rebuilding Math Education for Modern Consumer Defense
A quiet concern ripples through the mathematics faculties of elite American universities. Professors point to plummeting standardized test scores, the abandonment of the SAT, and a general decline in numerical fluency as evidence of a shifting baseline in student performance. This comforting, simple narrative suggests students today lack the grit, the baseline intelligence, or the foundational preparation necessary for success in higher education. This view misses the broader
Jeff Hulett
a few seconds ago6 min read
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The Epistemology of Seeing
In our data-abundant era, we treat data as the primary engine for optimization. Organizations invest billions of dollars in automated analytics, machine learning, and artificial intelligence. These investments rest on a compelling premise: a large dataset combined with a powerful spotlight allows leaders to manage operational or financial problems systematically. We treat historical frequencies as a reliable compass for future events. In this new AI age, the massive datasets
Jeff Hulett
4 days ago5 min read
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Re-Declaring Independence: How the Information Age Flipped Jeffersonian Liberty on Its Head
In the summer of 1776, Thomas Jefferson penned a phrase the Western world now claims as a moral bedrock. His assertion remains famous: All individuals possess unalienable rights to life, liberty, and the pursuit of happiness. This phrase issued a profound declaration of choice. To the Enlightenment mind, deeply influenced by the philosophy of John Locke, freedom operated as an additive property. Liberty required the expansion of horizons. It meant breaking down artificial wal
Jeff Hulett
Jun 295 min read
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Treasury Rates Update: June 25th, 2026
In my decades of analyzing the fixed-income markets, a broad-based retreat in yields after a period of intense policy anxiety often signals a market searching for an economic breather. Following last week’s inflationary tremors, the Treasury market spent this past week reversing course, with yields sliding across nearly the entire term structure as intermediate maturities led a notable steepening of the curve. The benchmark 10-year Treasury rate dropped 6 basis points (bp)
Bill Knudson
Jun 261 min read
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Mortgage Rates Update: June 25th, 2026
The mortgage market for the week ending June 25, 2026, revealed an interesting structural divergence between primary consumer rates and benchmark secondary yields. As an experienced economist who monitors risk premiums closely, I find this week's widening spread indicates that primary market lenders are expanding their profit cushions in response to broader economic crosscurrents. While the benchmark 10 Year Treasury rate dropped by 6 basis points to settle at 4.40 percent, t
Bill Knudson
Jun 261 min read
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Why Your Brain Hates Wealth: Overcoming Loss Aversion in Financial Decisions
Our biology primes individuals to prioritize avoiding losses over achieving gains. This evolutionary setting helped preserve survival in primitive conditions, but it often creates friction when applied to modern wealth management. Modern wealth accumulation requires individuals to move past these instinctual defaults. This article examines the mechanics of loss aversion, the variable nature of individual risk thresholds, and the psychological traps that lead even well-educate
Jeff Hulett
Jun 209 min read
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Mortgage Rates Update: June 18th, 2026
The mortgage market for the week ending June 18, 2026, demonstrated a marginal improvement in borrowing conditions as primary rates ticked lower despite modest upward pressure in the bond market. According to the latest data from the report titled 260618 Mortgage Rates v0.pdf, the 30-year fixed mortgage rate declined by 5 basis points to settle at 6.47 percent. Concurrently, the benchmark 10 Year Treasury rate edged up by 1 basis point to reach 4.46 percent. This divergence
Bill Knudson
Jun 191 min read
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Treasury Rates Update: June 18th, 2026
In my years analyzing fixed-income markets, few dynamics are as compelling as a classic "bear flattener" driven by sudden structural shifts in economic data. Following a cluster of high-impact reports, the Treasury market spent this past week aggressively repricing the front end of the curve. The June 5th jobs data revealed a moderate expansion of 172,000 positions, but it was the June 10th CPI report—showing an acceleration in inflation from 3.8% to 4.2%—that sent shockwaves
Bill Knudson
Jun 191 min read
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