Here's the recent articles submitted by alex gwen thomson
Articles By alex gwen thomson
Visualizing The Real Estate Bubble
Submitted as: Lawrence Roberts
The Great Housing Bubble can be visualized with a simple thought experiment. Imagine a room with 100 people representing the pool of subprime borrowers. These are new entrants to the market. They were previously unable to buy due to bad credit, lack of savings, and other reasons. All of them are told they are going to bid on an asset that never goes down in value, and they will be given the ability to borrow unlimited funds (stated-income "liar loans") The only caveat is the borrowed money must be paid back when the asset is sold (not that they care, they already have bad credit). Imagine what happens?(read
entire article)
View : 202 Times
Category : Business
The Great Housing Bubble - Who Is Responsible?
Submitted as: Lawrence Roberts
Who is responsible for the Great Housing Bubble? It is one thing to identify who or what caused the bubble, but it is another to assign responsibility and blame. Borrowers, lenders, investors, and the FED are all responsible; it is only a matter of degree.(read
entire article)
View : 246 Times
Category : Business
Repair Credit After Bankruptcy - Case To Case Basis?
Submitted as: Patrick Sia
You might as well be thinking on how you will be able to repair your credit after bankruptcy, right? Bancruptcy is definitely one serious financial situation that shouldn't be experienced by anybody.(read
entire article)
View : 196 Times
Category : Business
Price Measurements Of Residential Real Estate Markets
Submitted as: Lawrence Roberts
There is no perfect measure for any broad financial market activity, and real estate markets are one of the most difficult to measure accurately. There are a number of methods for measuring prices and price changes in residential real estate markets. These include the median price, the median price per-square-foot, and the Case-Shiller indices.(read
entire article)
View : 235 Times
Category : Real Estate and Foreclosure
Free And Quick Weight Loss - Is It Effective?
Submitted as: Patrick Sia
There are many programs, diet pills and systems to help one deal with weight loss, however, when the budget is not too large, some free quick weight loss tips could be more than rewarding. Many of these free quick weight loss tips can be taken advantage of every day by just adding them into your regular schedule of activities.(read
entire article)
View : 275 Times
Category : Fitness
Price-to-income Ratios As A Measure Of Residential Real Estate Value
Submitted as: Lawrence Roberts
Price-to-income ratios represent the amount borrowed relative to the incomes of the borrower. There are many variables that impact house prices, and some of the variability in prices over time can be attributed to changes in these variables; however, since most houses are purchased with lender financing, and since lender financing is linked to income, the price-to-income ratio is the best metric for evaluating long-term housing price trends. The price-to-income ratio does not need to be adjusted for inflation as both prices and income will rise with the general level of inflation. Most of the fluctuations in the ratio are based on changes in financing terms, in particular interest rates, and of course, irrational exuberance.(read
entire article)
View : 300 Times
Category : Business
Pay Per Click Firm - A Real Competition?
Submitted as: Patrick Sia
In recent years there has been a real competition between the tendency to use the services of a SEO company or those of a pay per click firm. The difficulty to adjust to the market usually rises out of an improper understanding of the way SEO and PPC advertising work. For instance, the means to appreciate the web performance of a site after the search engine optimization are pretty scarce although there are lots of tools that monitor how well the keywords do in researches. Hence, an inappropriate form of SEO could waste lots of time and resources as compared to a pay per click firm that is considered to bring a lot more benefits on the long run.(read
entire article)
View : 346 Times
Category : Search Engine Optimization
Small Business Internet Marketing- Backed-up By Lots Of Money?
Submitted as: Patrick Sia
The rule that a good online business presence has to be backed-up by lots of money doesn't always prove true, particularly in the context of small business Internet marketing. The truth is that the Internet may be dominated by a few corporate giants, but the Internet is definitely shared by thousands of small businesses that successfully make their living out of online activities. The necessity to promote small companies locally and regionally has led to the development of a whole series of strategies, techniques and services generally known as small business Internet marketing. In what way is it different from the common Internet marketing approach? Here it goes!(read
entire article)
View : 238 Times
Category : Home Based Business
Debt-to-income Ratios And Residential Real Estate
Submitted as: Lawrence Roberts
The cumulative impact of the decisions of buyers is represented in the debt-to-income ratios, how much each household pays to borrow versus how much they make. Comparing the trends in debt-to-income ratios provides a great tool for elucidating the behavior of buyers.(read
entire article)
View : 280 Times
Category : Debt
The Affordability Limit In Residential Real Estate Markets
Submitted as: Lawrence Roberts
Affordability is the ultimate limit of any asset bubble. If prices are so high that no buyer can afford them, there are no transactions and thereby no market. The fear of many buyers in a financial mania is that prices will remain elevated to the absolute limit of affordability permanently. People who have this fear will put every available resource into getting a house before this happens. This becomes a self-fulfilling prophecy as prices get bid higher and higher by fearful buyers.(read
entire article)
View : 194 Times
Category : Business
