Real estate essay Example

Essays on Real estate essay Research Paper REAL E AND RECESSION Client RECESSION AND REAL E MARKET The 2007 global financial crises created several challenges and problems for different organizations, countries and financial experts. This financial crunch was a result of energy crisis, on-going recession, automotive industry crisis, Euro zone crisis etc. However, the most important cause of this global financial crisis was the burst of housing bubble in United States which led to several other problems. Real estate bubble is created as a result of rise in values of property which reaches to levels that are unsustainable and then begins to decline from that stage. This is what happened in United States before the global financial crisis. The values of houses touched the peaks during the year 2006 which begin to rapidly decline during 2006-2007. Now let us discuss some of the causes which led to the burst of housing bubble. The housing tax policy as discussed in taxpayer relief act of 1997 encouraged people to invest in housing rather than stocks and other types of investments. There were not enough regulations in place to have a proper check and balance on such housing investments. The use of mandated loans is considered another cause of the burst of housing bubble. Then the federal bank also lowered interest rates while the rise of houses was not uniform in all regions of United States. The Americans used to believe that investing in houses is a secured investment and they even pref erred to become owners of their houses. There were many marketing campaigns being run to encourage people to invest in real estate. This encourages more and more people to invest. However, the high values of houses were later followed by decline in prices which busted the bubble. The housing bubble affected the U.S economy in various ways. Millions of new houses were built and sold. The share prices and revenues of big construction companies reached to the peak and made millions as a result. There was a large increase in mortgage equity withdrawals which usually include loans for home equity and cash out refinancing. The housing bubble led to the recession in United States which was the worst after great depression. Many Americans were forced to migrate from the expensive metropolitan areas due to price variation in different regions on United States. The subprime mortgage crisis was one of the most important reasons which led to the global financial crisis. This was due to the result of delinquencies and foreclosures in subprime mortgages. Then it was followed by the decline in value of these securities backed by the underlying mortgages. The financial crisis and recession has not ended yet. Financial experts believe that the slow growth will continue till the end of year 2012. The entire world in interconnected and the United States is bound to suffer due to the events and happenings across different countries. Since the start of financial crisis, the federal government has been taken serious effects to avoid this in future. However, there are few things which need to be emphasized. There must be some lender of the last resort such as International Monetary Fund (IMF) who can come for help whenever needed. Unfortunately, IMF doesn’t have this job role or enough resources to handle such situations. This needs to be raised during the coming IMF meetings. Then there is need of regulations which can protect the organizations from taking excessive risk. The leverage ratios can also be put in some limit in order to estimate the damage by the shock. The federal bank should put special efforts to control the growing p owers of big firms which can even negatively affect the situation. The firms and even government institutions should pay special consideration while extending credit to borrowers. The credit history of prospective buyers needs to be checked before giving them loans. In order to avoid mortgage crisis, Federal Deposition Insurance Corporation (FDIC) came out with loan work out model. This model was introduced with the joint collaboration and coordination with Federal Financial Institutions Examination Council (FFIEC). This model encouraged the financial institutions to help the lenders and borrowers through loan modifications. Banks can undertake several measures to assist the financially distressed borrowers. Banks can modify the payment schedule, lower down the interest rates, reduce the principle at maturity, and extend the maturity period. This model will even encourage those banks to cooperate who were not interested in extending their credit facilities to borrowers. Now banks will be able to come out with a better, feasible and prudent solution to help the borrowers considering their financial position. This work out model has been designed to help the borrowers and lenders in this present state of economy so that they can lend and borrow fo r their projects. I believe that government should make strong regulations to avoid financial crisis in future. The regulations should be too complex but they should be simple and logical. Government should take steps to introduce uniform pricing structure of houses in United States of America. If Government plans to lower down the interest rates, they should not be too lower but the rates should be according to the economic situation of the country. The government should take considerable steps to strengthen the financial institutions. Financial institutions should take every measure to ensure that they are lending to those creditors whose credit history is not weak. Special efforts should be made to check their credit history. Federal banks should make a database from where the financial institution can seek assistance if they want to know about some creditor past history. Financial instructions should take enough mortgages from borrowers to securitize their loans. If some lender is unable to pay du e to different reasons, then he should be given some time to make payments. Banks can even modify their payment structure to help them repay their loans. Bibliography Americas Recession-Resistant Cities For Real Estate. (2011, August 28). Retrieved May 14, 2012, from Forbes: http://www.forbes.com/sites/morganbrennan/2011/08/16/americas-recession-resistant-cities-for-real-estate/ Releases, P. (2009, October 30). FDIC Adopts Guidance on Prudent Commercial Real Estate Loan Workouts . Retrieved May 13, 2012, from FDIC: http://www.fdic.gov/news/news/press/2009/pr09194.html

Why People Arent Talking About Sat Essay Writing Test Samples Two Approaches

Why People Aren't Talking About Sat Essay Writing Test Samples Two Approaches The Hidden Facts About Sat Essay Writing Test Samples Two Approaches Humans aren't blank slates. Lucky for you, here's a guide to achieve your optimum essay score. With that your vocabulary increases substainally. Since you may read articles from the exact same sources the SAT gets material from. The SAT instructions request an analysis of the way in which a persuasive bit of writing was put together. Sparsed in between, perhaps a term paper and a few vocabulary quizzes. It's far, far less difficult to compose an introduction when you understand what you're introducing. Most applications will ask for a minumum of one recommendation from somebody who knows you well. A couple of sentences to draw your reader in, followed by a couple of sentences with your principal argument and supporting examples are lots. When it is, don't use the example when you run across a similar prompt. A great argument is a basic numbers game with a very clear winner. Quitting teaching isn't as simple as refreshing your LinkedIn and searching for a new gig. From time to time, you will need to compare two distinct ideas that contradict one another. Sample answe rs with commentary is going to be given in a subsequent post. It is advisable to begin preparation well ahead of time of the test date. Both timings are great to get ready for your exams to find fantastic scores. No longer is it at the start of the test. Prepare in Advance Ultimately, the SAT is intended to find out whether or not you have the important thinking abilities and base knowledge to be effective in college. Advanced math or an extensive vocabulary are nearly not possible to learn in under a week of preparation. For a fee, you can make certain the university doesn't observe the score. If students are not sure of which test is best for them, they need to come take a FULL mock exam. All students are aware there isn't any talking allowed during the exam, but they are able to whisper in a secret method to some other student to acquire a needed answer. Cross off just a couple of wrong answers, and the right answer gets more obvious. Your essay rating will appear on every score report you send to colleges, irrespective of whether the school demands an essay. Learn more about the way the essay is scored. If you wish to practice the new SAT essay, excellent news! What You Need to Know About Sat Essay Writing Test Samples Two Approaches No matter your wealth, Moon Prep counselors feel there are moral standards our profession must follow, and affluent students and their parents ought to be held to the exact same admission standards as everyone else. Converse with your guidance counselor if you're still attending high school. The examiners are students previously and they know a good deal of students' tricks. In that case, my students are in for a huge trouble. The very truth that continuation schools exist proves the point that lots of children simply cannot cope with the demands of homework or other facets of routine school. This past year, however, you tried that. Frankly, junior year can be too late to intervene if there's a matter. My final year was surreal and was the very best year of my career.

DUI Paper free essay sample

After watching the interview of several DUI suspects who were Jailed for their offenses, I realized that what they went through could happen to anyone. Nobody ever thinks that theyll be the ones Jailed because of drunk driving and/or killing/ injuring one or more individuals because after all, its never going to happen to you, right? To begin with, although each interview was of a different person (many recurring individuals as well), they all had a few things in common: they started at a young age, ach person had more than one DUI, and they regretted the irrational decisions they made that impacted their lives so negatively. First of all, each person admitted that they started at a very young age such as 11, 12, 13, 8, and even 2 years old. The problem with drinking at an early age is that you become addicted quickly and for the rest of your life because its almost impossible to stop drinking then. We will write a custom essay sample on DUI Paper or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Second, each individual claimed that they hadnt committed Just one DUI but several. One ndividual said they committed 5 DUIs, another said 3, one crashed into a pole due to drunk driving, the other had 2 aggravated DUIs, and yet another received 2 DUIs including aggravated driving. What this portrays is how difficult it can be to quit something youve done for so long. Individuals from the interview stated they committed several DUIs because they saw no harm in it, once you start, it gets worse, it becomes a part of life so you Just do it, etc. In the end, each person regretted what they did because no one likes feeling scared every day, kept in a small pace, and away from everyone you love. Furthermore, these people couldVe done numerous things so everything would turn out differently, such as: help from loved ones, recovery groups/programs, have someone sober drive, not have gotten drunk in the first place, and thought about what could happen as soon as they stepped into a car drunk. Because they didnt think twice about what they did, these individuals have many regrets such as giving up many opportunities (one woman gave up the chance to go to medical school), kids ot visiting them in Jail because their parent is an alcoholic, missing the birth of a grandchild (including the persons own birthdays, Christmases, etc. , and feeling that he was the reason for his fathers death. The advice these individuals have for parents of young teens is to create a good relationship with your kids and to be nosy, set a good example because if you drink theyre definitely going to think its okay and do the same, set boundaries and dont be their friend but rather a parent, be open with y our kids and earn their trust, and now that drinking is not okay at home or outside even if theyre away from you. In conclusion, these people are going through recovery in order to live better and improved lives. Theyve learned to open up to people about life in Jail; one woman tated that in Jail You cant be yourselt at all and that its no way to live your lite. One man even claimed that Jail time allowed him to sober up, while one of the youngest in the interview said that she was a part of many programs that helped her find herself.

The Importance of the Customer Loyalty and the Ways to Increase E

It is possible to determine a lot of factors which can influence the successfulness of the retailer within the market. However, one of the most important factors is the customer loyalty. The market develops according to the principles of the competition. That is why to success in the field of retailing, it is necessary to not only provide the effective services of the highest quality but also concentrate on attracting the customers.Advertising We will write a custom essay sample on The Importance of the Customer Loyalty and the Ways to Increase E-loyalty specifically for you for only $16.05 $11/page Learn More In this case, the notion of the customer loyalty can be discussed as the influential aspect of the further retailer’s development without paying much to acquiring new customers. The rapid development of the principles of retailing and the active usage of the innovative technologies and the Internet resulted in the fact that today it is possi ble to use the notion of the customer loyalty which became typical for the progress of usual markets for determining the peculiarities of e-commerce. E-commerce develops according to its specific principles, and it is significant to pay attention to emphasizing the ways which can contribute to the increase of e-loyalty. The customer loyalty can be discussed as the constant purchase behavior of those customers who prefer to choose this or that brand and make the regular purchases. The importance of the customer loyalty can be explained with references to the profits which retailers gain while attracting the loyal customers and supporting them in order to reduce their further costs spent on acquiring new customers. The modern market is competitive, and it is important to save the advertising costs and have a lot of loyal customers in order to orient on them in providing the products and services of the high quality. Thus, the main task of the retailers while preserving their profits i s to contribute to the customer’s favorable attitude toward their products (Turban et al., 2010). It is important that the customer loyalty is based on the customer’s trust and knowledge about the company and retailer, and on the fact of the products’ meeting the customer’s requests and needs.Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More Some decades ago these principles worked only in relation to the usual market, and today it is possible to use them also for addressing the issues of e-loyalty. However, it is more effective to determine the specific aspects which can be considered as influential for the increase of e-loyalty. E-commerce has many advantages in relation to the question of e-loyalty in comparison with the development of the usual market. Thus, e-loyalty is associated with such aspects as the low cost structure, the high level of flexibility, the customer’s opportunity to access the extensive product lines, and the low transaction costs. There are several ways of increasing e-loyalty which are the promotion of the website security, the focus on the contact interactivity, the support of the website reputation, and the contribution to the growth of the customer’s trust (Turban et al., 2010). Moreover, it is also useful to provide the customer with the wide choice in order to satisfy his demands and also to pay attention to the convenience of the site. The customer loyalty is the necessary factor of the growth of the retailer within the market. The expansion of the modern tendencies and the progress of e-commerce resulted in the development of the notion of e-loyalty which is based not only on the general principles but also meets the issues of e-commerce. Reference Turban, E., King, D., Lee, J., Liang, T., Turban, D. (2010). Electronic commerce: A managerial perspective. USA: Prentice Hall. This essay on The Importance of the Customer Loyalty and the Ways to Increase E-loyalty was written and submitted by user Deon Perez to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.