Essay About How To Solve The Foreclosure Crisis

Essay about How to Solve the Foreclosure Crisis
Foreclosed homes have become a menacing commonality in nearly every neighborhood in the United States. These foreclosed properties problems
range from unkempt yards, broken doors and windows, as well as becoming dangerous havens for drugs and violent acts of vandalism. In addition,
empty foreclosed homes drive down property values of surrounding homes and neighborhoods.
Many of these homes became foreclosures because the buyers could not afford the payments. This inadvertently ruins not only their credit scores, but
also ruins the chance of owning a home in the future. This results in crushing families hopes of achieving the American dream of home ownership.
The flip side of this crisis is the affect that these foreclosures are ... Show more content on Helpwriting.net ...
This essay will describe these components in detail to show how they can be the key to solving the foreclosure crisis in America.
Component One
The first component of the solution is addressing the banks' "toxic assets" that were created by the mortgage banks lending on overvalued property and
lending to consumers that could not afford the payments. Underwriters should have prevented more of this; however that was not the case. In the
future, banks and lenders will need to be more effective in the approval process that qualifies home buyers. The banks will have the option to
participate in this program or not. They will also have the chance to pick and choose which properties will be included, if any.
As a result, the banks will need to take a marginal loss initially so they can recover most of the invested capital. All "toxic assets" will need to be
reappraised at the bank's expense so that the true value of the property can be reestablished. Once they have been reappraised these properties are
unloaded by the banks for seventy percent of their current value which will recoup an acceptable amount of capital return to the banks. Taking
advantage of this program would allow the banks to recapitalize themselves rather than receiving Troubled Asset Relief Program (TARP) loans that
need to be repaid. (H.R. 1424, 2008) This also frees them of the "toxic assets" and improves their overall profitability and bottom line. Once these assets
... Get more on HelpWriting.net ...

Foreclosure Crisis Essay
The foreclosure crisis that devastated our economy several years ago not only impacted the middle class wealth but also the upper class wealth.
The upper class families who were not prepared for this crisishad to downsize their primary homes or utilize their investments and savings to keep
their properties. The middle class families were hit the hardest during this crisis with losing there homes, depleting their life savings and
investments. The middle class families who were forced to foreclose on their homes due to their loss of income and financial security moved into
rental apartments or moved to a family members home to regroup from this crisis. Areas that may have added to foreclosures or short sales were the
lost of many jobs due to a corporation downsizing of their employees, or the over appraising of a property if the property was appraised higher than the
true value or what a buyer was willing to pay for the property. Homeowners were forced to sale their property at a lower price if the homeowner was in
the process of a divorce, relocating for a job or foreclosing because they had fallen behind on their mortgage payments.I have seen circumstances where
certain peoplelived above their means by spending more for a home or nonessential items like luxury vehicles they couldnot actually afford to pay.
As the saying goes " Time heals all wounds" withcareful planning before a buyer is ready to jump back into the homeowners market, they should apply
for an apartment right

Marketing Analysis : Drayton Manor Use Advertising
Promotion
From my research I found that Drayton Manor use a range of promotional offers to increase their revenue for example, I found that Drayton Manor use
advertising, advertising is defined as any "paid–for method of promotion". Advertising is the main form of "above the line promotion". Advertising
presents or promotes the product to the target audience through a variety of media such as TV, radio, cinema, online, social media and magazines to
encourage them to buy. The problem with advertising is that consumers are bombarded with advertising messages every day. One method the business
uses is chat magazine, this is because females are their main target audience, and this is effective because it means Drayton Manor will be able to
attract more customers, which gains them more sales revenue. I found they spent ВЈ4000 per year on this strategy this shows that it was effective
because they spent a reasonable amount of money to reach out far to their new customers to gain even more profit back which would overlap the
price which they paid for the magazine, therefore the strategy was very effective. It also impacted their competitiveness because it means that more
people know about the park and allows them to overtake their competitors as people would rather go to Drayton Manor. I think this was an effective
strategy to Drayton Manor and one which I think adds to their long term growth. Another example of advertising that the park uses is bus and rail
advertising, and this is

Lease Memo
Leasing Option Memo for Client
Elizabeth P Grady
ACC 541
December 5, 2011
Leslie Crews
Memorandum to: Client from: Elizabeth Grady, Staff 1 subject: Leasing options memo date: december 5, 2011
–––––––––––––––––––––––––––––––––––––––––––––––––
Each year the number of leasing agreements continues to grow. There are several advantages of leasing property instead of owning. The company is
protected against obsolescence and can receive 100% financing with less cost, fixed payments, and more flexibility (Schroeder, Clark, & Cathey,
2011). The new business opportunity for the client will require 20 more trucks than XYZ Trucking Inc. currently owns. The FASB issued SFAS No.
13, "Accounting for Leases" to establish ... Show more content on Helpwriting.net ...
The biggest notable difference is the handling of each on the financial statements. An operating lease is similar to a rental agreement so there is no
long–term liability on the balance sheet. It allows the lessee to engage in off–balance sheet financing. This provides several benefits for the company to
maintain a good financial position. When a company enters a capital lease the asset is reported on the balance sheet. This results in the debt to total
equity increasing and the rate of return on total assets to decrease. The ratios can negatively affect financing opportunities, the corporate bond
covenants, and management compensation incentives (Schroeder, Clark, & Cathey, 2011). In addition, the depreciation required on the asset in
a capital lease will result in a deferred tax. The funds from operations on the cash flow statement will be higher by the deferred tax when a capital
lease is used (Ingberman, Ronen, & Sorter, 1979). The cash from the operations section on the cash flow must be reconciled to remove noncash
items during the period (Kieso, Weygandt, & Warfield, 2007). The company will receive benefits from both types of leases; the right option for
the company will depend on their needs and strategy.
Recommendation
The recommendation for XYZ Trucking Inc. is to sign a short–term operating lease with a renewal option. The uncertainty by XYZ

Essay On Mondelez Pakistan
Unethical aspects in Mondelez
Tax evasion/avoidance
Mondelez in Pakistan are now buying commercials for Cadbury, Tang and Eclairs from Mondelez India. This means they don't have to waste money
for new commercials in Pakistan. The government is investigating allegations of excise evasion by Cadbury India. Cadbury India is now in the
process of becoming Mondelez International, a name it acquired after being taken over by Kraft and the restructuring of the latter. Mondelez Pakistan
are using television commercials and advertisements of Mondelez India as the culture in Asia is the same, and this also gets tax evasion for Mondelez
Pakistan from Government of Pakistan. For example Mondelez Pakistan recently buys Indian Cadbury dairy milk advertisement. So to avoid from high
taxes, Mondelez Pakistan use this unethical practice because the culture of both Pakistan and India are different.
More attention towards shareholders
Mondelez International creates more attention towards their shareholders instead of employees. This is because increasing shareholders will increase
investment in the company and increase investment means more money in the company. Management also have to give attention towards employees
but they are also doing work for increasing their shareholders. This is ... Show more content on Helpwriting.net ...
If there is a problem in any products from HR, marketing or any other department they blame the sales employees that they make the right product but
sales employees have not sell right. They started blaming the sales employees, which is unethical practice. Although the senior managers blame the
sales employees. In this company sales is made the important factor for selling the product. The management have to focus on other factors as well
rather than sales only. So it is unethical to blame only the sales person because every time the sales person is not

Dixie Land Homes Case
The main issue presented in the case is that Meyer Mobile Homes Corporation has experienced a steady decrease in sales at one of their retail
locations, Dixie Land Homes. To improve the performance of the organization, this issue must be addressed.
Alternatives Generation
One alternative is to maintain the status quo. In other words, the firm may decide to make slight modifications to their sales and operational strategies
for the Dixie Land Homes lot. An additional alternative is to liquidate Dixie Land Homes' inventory and dissolve the lot. Another alternative is to
relocate the lot to a location east of the main Meyer Mobile Homes location. Lastly, another alternative is to add to the lots' selection in hopes that an
increase product ... Show more content on Helpwriting.net ...
In other words, sales growth, particularly the sales growth of the company as a whole, should be used to evaluate the alternative. Another evaluative
criterion is tied to the company's image. For example, will the company's image be tarnished, improved, or stay the same. Lastly, feasibility is another
criterion to be used to evaluate the alternative.
Evaluation of the Alternatives
The first alternative is to maintain the status quo. The current status quo is a steady decrease in sales. Therefore, this alternative does not satisfy the
first evaluative criteria of increasing sales. Secondly, maintaining the status quo will, at best, maintain the company's image. Due to the fact that there
are no major changes occurring in the first alternative, it is impossible for the company's image to improve. Yet, maintaining the status quo is feasible.
However, as sales at Dixie Land Homes decrease, the feasibility will decrease as well.
The second alternative is to liquidate the inventory and dissolve the operation at Dixie Land Homes. This alternative will lead to an immediate
short–term increase in sales, but there will be no sales after the inventory is liquidated. Also, this will likely tarnish the company's image, because it
makes the company appear unsuccessful. However, the second alternative is feasible and easily

Case Study Of Dobbs Wholesale Antique
Under the terms of FOB shipping point, Dobbs Wholesale Antiques should record the sale when the merchandise leaves their warehouse. And, if
Dobbs Wholesale Antiques usually ships approximately one week after receiving the order, they should continue to do this no matter what the
"profits" look like for the period. I worked for a corporation that would do this on a monthly basis depending on their numbers because they didn't
want to report to much of a profit for the month and, of course, did not want their numbers to be short. If Dobbs Wholesale Antiques wants to boost
their profits, they can ship earlier than usual and likely not attract any attention by doing so. But, I believe that if you do not stick to a normal schedule
for shipping,

The Miami Vice Fad
Regardless of when this question has been posed to me, without giving much thought I quickly revert to the late eighties, and the Miami Vice fad. It
is unfortunate that I cannot say with certainty, just how widespread, the fad was, or now that I review, whether, the fad was a fad or a trend, because,
I don't know exactly how long the popularity of this style began. Per Bruce Cohen (2013) a fad is something that spikes and wanes, where a trend sort
of simmers and gradually becomes popular.
I recall receiving a shipment of suits, regardless of the owner's intent for the suit, I immediately envisioned the Miami Vice look, which included a
variation of Stacy Adams footwear, and short–sleeve tee shirts. My first sale of the ensemble interrupted my completing the actual display; and the sales
continued. I can literally say that repeat sales were made from that purchase as one told a friend, and so, on, and so on. I was impressed, excited and
amazed at the demand.
Again, I can only speak for the success of the shop where I was ... Show more content on Helpwriting.net ...
There were attempts to push the envelope at times in attempts to gain even bigger bargains to the sale price.
Finally, the usual shortage where we scrambled to meet demand, turned to surplus, which moved us to either return suits to the main store, or to shop
around to find which store(s) continued to experience the demand.
References:
Cohen, B., II., (2013). How to spot the difference between fads and trends. Industry Voices. Supermarket News. Retrieved from http:/
/www.supermarketnews.com/blog/how–spot–difference–between–fads–and–trends
Sexton, R.L. (2013). Exploring economics 6e. (2nd edition). South–Western, Cengage Learning. Retrieved from

Life Insurance
..
TABLE OF CONTENTS STRATEGIC MARKETING PLAN DEFINES SALES SUCCESS IN TWO LEADING LIFE INSURANCE COMPANY
Target companies: AVIVA Life Insurance Pvt Ltd. 1] Executive summary: The research is to be conduct how each company has performed in sales
and the improve effectiveness of selling process. Research objectives and aims are to compare the performance of the AVIVA and HDFCSLI. As this
research studying based on the Indian market, the research is proceeding in Bangalore, which is one of the main city in India. Research mythology is
proceeding under collecting data of the current status of the both company and from the people to know the brand awareness and the purchasing
behaviour when buying life insurance policies. ... Show more content on Helpwriting.net ...
Determining the intermediaries in the market place This is to establish why these intermediaries selected the company and its services, rather than the
services of its competitors. In addition, the research evaluated how the company image enhanced the over all sales processes , through all the company
communications. Contact with head office, agents and inspectors , promotional material sent to intermediaries , and information on new products ,
proposal forms , company information, etc Determining the insurer's own agents and sales force This was to determine whether those members of the
sales team were communicating the right image and sales message effectively. In addition, this research is designed to determine whether their sales
techniques and methods were 'synergistic' with other aspects of the marketing mix, such as advertising and promotions All the findings are based on the
survey research method. Data Collection Methods: 1. Primary Data: Questionnaire Detail analysis of data collected through questionnaire: To evaluate
various need of customers for Life Insurance and their Purchase behaviour. To know the level of brand awareness of the company among the
Consumers. Limitations of the study As this research is focussed on limited group and a limited area space it is not enough to study

Zara Business Model
By Wendy–Zara exericse 1
Q5. Who are the customer ?
The target market is broad, women, men, children that likes fashion and is sensitive to fashion.
Q6 .Who are the customers, and what product/ service attributes do they consider important?
The target market is very broad, Zara do not define their target by segmenting ages and lifestyles like what traditional retailers are doing. Its target
market is working in big cities, with mid range income, a young, educated person that likes fashion, care about the looks and enjoy shopping. Zara
segment their product line by women's (60%), men's (25%) and the fast growing children's (15%) department.
The Product attribute that the customer consider important are as below: ... Show more content on Helpwriting.net ...
Categories of customer relationships:
Personal assistance
The customer interacts with the sales representative to get help during sales process and after the purchase is completed
Automated service
Zara has an online product catalogue with product description and price in the website to allow visitors to browse and buy the products quickly and
easily
Co–creation
Customer can feedback any queries, concerns, or comments regarding the services, products or website by filling in the form in website or contact
customer service by filling the form at the website or obtain from the store.
5. Revenue Stream
Revenue come from traditional sales of products

Analysis of Cash Flows:
Zara is 64.8% of Inditex sales
Cost of sales = 5,612 x 64.8% = 3636.576
Inventory= 1,277 x 64.8% = 827.496
Net sales= 13,793 x 64.8% = 8937.864
Receivables = 531 x 64.8% = 344.088
Payables = 2,679 x 64.8% = 1735.992
Money Tied Up in the Factory
Throughput (R) = $3636.576 M/yr (cost of goods sold)
Inventory (I)= $827.496M
Flow Time = I/R = 0.2275yr = 11.8 weeks (avg. dollar invested in the factory before it leaves the process through the door of the finished goods
inventory warehouse)
Accounts Receivable (Money Tied Up between Billing and Payment)
Throughput (R) = $8937.864 M/yr (net sales)
Inventory (I) = $344.088 K (receivables)
Flow Time = I/R = 0.0385= 2.002 weeks (avg. time takes

Essay on Twin Peaks: A Short Story as a Sales Clerk
"Oh, great! You've got boobs!" She exclaimed, as she stabbed her pointy index finger into my left breast.
I did not see that coming and the gesture took me aback. I was not sure whether to feel violated at the hands of the manager of an internationally
branded apparel store, or to feel proud at the remark. I paused momentarily to gather myself together before saying anything.
"So, is that a good thing or a bad thing?" I asked, my voice wavering slightly, still being in the recovery process.
"Oh, that's great, honey," Sheila, the manager chirped, trying to poke my other breast as well. I did a Matrix to sway away from the incoming projectile!
"You're gonna be an instant crowd puller!"
That did not help my confusion. "Ummmm, so, this is ... Show more content on Helpwriting.net ...
I faked a cough. "Can I help you, Ma'am?"
No response. It seemed as though her eyes grew wider staring at my breasts. That's right, woman! Take a good, hard look at my twins!
Her hands moved as though they were going to grab them. I stepped back a little. Do you want me to jump up and down a little and shake 'em in your
face?
"Ma'am?" I said again, waving my hands in her line of sight. Nothing budged! She was elderly, difficult to make out her age behind all that heavy
makeup. She had jet black hair that fell over her shoulder. She wore an expensive looking long knee length black gown and wore long woolen gloves.
But what got me all boiling was the animal skin she had draped over her shoulders.
"So, how many animals had to die for that?" I thought aloud.
"Say what?" the woman replied.
"Oh, nothing," I replied, smiling. Finally! "I was just saying 'hello'!"
"Oh, hello," she said, trying to put on a smile. Terrible wrinkles formed at the corner of her lips and eyes! She smiled as though her skin was getting
stretched to the hilt. It was hideous and I cringed. "I'm Katherine!"
"Hello, Katherine," I said, not bothering to hide my anger at her brazen display of animal cruelty. "How can I help you?"
"Well, I'm looking for a bra. Not too fancy, yet beautiful," she said.
"Well, Katherine, why don't you follow me and take a look around."
Katherine smiled and followed my lead. I took her to a little expensive corner of the lingerie

Tips On The Foreclosure Crisis
3 Tips on How to Quickly Sell Your House Foreclosure in MA
If you have a house foreclosure in MA, then you need to sell it fast. If you wait too long, the foreclosure process surges onward without you. Before
you know it, you're left without a home and you have a black mark on your credit history.
So, how do you sell your home quickly if you're facing an impending foreclosure? To answer that question, here's a list of three tips that help you sell
your foreclosure fast, especially if it's in Massachusetts.
1.Contact a real estate solutions and investment company.
2.Set a realistic price.
3.Market your home well.
Contact a Real Estate Solutions and Investment Company
As soon as you know that you're going to default on your mortgage, contact a real estate solutions and investment company. They can provide you with
all the resources you need to sell your home quickly.
For example, if you live in Massachusetts, call Resurgence Inc. We provide you with the following three services that help you sell your MA
foreclosure fast.
First, we can negotiate with your lender on your behalf and possibly buy you some more time.
Second, we can put you in touch with a real estate agent who specializes in foreclosures.
Third, we can even buy your foreclosure immediately if you're really in a pinch.
Negotiate with Your Lender
When you work with Resurgence Inc., we can negotiate with your lender on your behalf. This means that you don't have to deal with your lender
directly. Moreover,

Who Is The Target Market?
How to stay aware of the target market?
What's tested?
The interviewer will also ask you sales–specific question to test your understanding of the industry. The aim is to explore your understanding of the
product you are required to sell and whether you understand the company's target market.
The ideal answer
Showcase your awareness of who is the customer for the particular business and the value proposition offered. You also want to touch on the
competition in the industry.
Mention where the market is at the moment and how this can be used to better understand it. This can be things, such as social media, blogs,
publications and business fairs. You are want to describe the social, business and technology trends impacting the market.
Example answer
"As the customer base at this coffee shop is mainly coming from the nearby university, I think the best strategy is to continue providing value for
money. I think I would emphasise social media in finding out more and staying on top of the trends. It would also be a good idea to work closely with
the student union. I think the challenge is to offer addition bonus to just the coffee, as student finances are always stretched."
What sales cycles are you most comfortable with?
What's tested?
The interview will test your industry expertise further, especially in terms of understanding the sales position of the employer.

The ideal answer
Depending on the business and role you are interviewing for, you want to focus your

Advantages And Disadvantages Of Short Sale
Short sale Short sale is a sale of securities in which investors does not own the securities, they simply borrow the securities, usually from the broker
in expectation that the securities price will decline and allow them to make profit by buy back the securities at a lower price. Short selling often used
by investors to either hedge or speculate and can be classified as speculative activity. The benefit ofshort sale is that it allows investors to add value to
their portfolio even when there's a bear market since it can be difficult to make profit in a bear market without short sale and if investors use short
sale to hedge, they can minimize their portfolio risk. The downfall of short sale is that the loss can be limitless if the price of ... Show more content on
Helpwriting.net ...
Transaction structure can be divided into two steps. First is the initial acquisition where CP ALL acquires approximately 64.35% and the next step is
the tender offer for the remaining shares at the tender offer price of THB 787 per share. There're several rationale behind the acquisition of MAKRO,
Improve operational efficiency, Enhance economy of scale, Optimize capital structure, Open opportunity for international expansion, Acquire top tier
asset and capture a new segment of retail market and Unlock value of under–utilized land.
Makro has been operating as the Cash and Carry Trade Centers, selling consumer goods to customers which consist of various product such as
Electrical Appliances, restaurant and food service business, Textile and clothes and Beverages, snacks. The acquisition of MAKRO makes CP ALL
PCL Thailand's leading in both retail and wholesale business and Asia third largest retailer not including Japan. MAJOR and MPIC
Date of submission of the Tender offer : August 2,

Radio Shack: A Career As A Sales Representative
Challenge:
During my college years, I worked at Radio Shack as a sales representative. I soon learned the business and developed a broad based of product
knowledge and sales techniques. As a result, I was promoted to assistant manager. Because of my successful record on the sales floor, the store
manager asked me to lead the sales team to improve profitability of the store. The store's sales at the time of my promotion were 10% to 15% less than
the previous year's sales.
Action:
I worked with five sales representatives and trained them in how the sales could be improved by focusing in the customer needs first and then selling
additional products. Also, I contacted suppliers to arrange team training sessions to increase knowledge on the most profitable store products. Further,
I decided to share the last day sales report with the team and set individual sales goals for the day to help the team to visualize a short objective. In
addition, I promoted team collaboration by assisting team mates during sales transactions. Also, I talked to the store manager to reward the week's top
sales representative with two hours of paid time off. As a result, the team was committed to serving customers and to meeting the store manger's
expectations for improving store sales.
Outcome:
Within few ... Show more content on Helpwriting.net ...
The fleet also required to install original aircraft equipment into the trainers to train maintenance personal as well. The team was only given 18 months
for a complete installation, integrations and test of these five cockpit changes where typically it takes 18 months to complete two updates. In addition,
we were required to keep morning training sessions available during install. Therefore, the challenge was to install these modifications in a short period
of time and without impacting training

Progressive Discipline Essay
Independent Contributor
Each Independent Contributor is accountable for reaching established performance objectives, and will be evaluated and reviewed on an ongoing basis.
When an Independent Contributor's performance falls short of his/her expected objectives, behaviors, or skills, a Performance Improvement Plan will
be initiated immediately.
During the implementation of the performance improvement plan, written documentation of discussions, counseling, and termination warnings will be
maintained by the department manager and Human Resources; with copies given to the Independent Contributor. However, termination, if warranted,
may occur at any time even if an employee has not been subject to or completed the Performance Improvement ... Show more content on
Helpwriting.net ...
There will be various degrees of discipline that are progressive; they are in place to ensure that the IT technician has amble time and opportunity to
correct his/her performance. IT technicians will be given one oral warning prior to a written warning. The IT technicians will then be given two written
warnings prior to termination. There is no set time frame for the progressive process.
For serious offenses, such as physical fighting, theft of company property, threats of violence, insubordination, the sale or possession of illegal drugs on
company property, etc., termination may be the first and only disciplinary step taken.
Overseas – Sales Rep
Sales Reps are responsible for complying with the company's highest standards of ethical behavior while dealings on the company's behalf. Sales Reps
must be aware of and comply with all laws, rules and regulations as understood in the jurisdictions in which they are conducting company business.
Sales reps must act with the highest integrity when dealings with all people inside as well as outside the company, including but not limited to
government officials, customers, suppliers and members of the community.
Sales Reps are legally prohibited from engaging in corrupt practices when dealing with foreign governments. It is a

Essay about Fraser Company
Problem Statement
Columbia Plastics division of Fraser Company, the major manufacturer of skylights in the Pacific Northwest, is facing a severe competition from
Vancouver Light which has just announced a further price cut of 10%. Alice Howell, president of the Columbia Plastics is unsure of which options to
implement – 1) cut the prices at a level that just cover the costs, or 2) continue the current pricing policy and lose market leadership. Fraser is facing
the erosion of its market share.
Situation Analysis
Background, objectives and environment assessment
Fraser Company has been the supplier of metal and plastic fabricated parts for Boeing Aircraft and has recently celebrated its 50th anniversary. In the
1960s, in order ... Show more content on Helpwriting.net ...
Weaknesses
Columbia lacks a strategic management plan linking its resources to its market opportunities.
It lacks thorough understanding of its target market (the needs of the present and future customers).
It lacks continuous improvement in its production process in order to reduce production costs. (Columbia's production cost is higher than that of
competitors.) Opportunities
Market development: Columbia can develop new markets to sell its current products. (for example, expansion to California, Mid–Western states and
international markets)
Product development: Using the plastic moulding skills, it can develop new or improved products that will appeal to the customers (for example,
improved skylights to reduce heat loss).
Threats

The competitor is cutting its price to a level that Columbia cannot match.
Columbia is steadily loosing its market share to the competitor (at a rate of 1,000 units per year).
Market and competitive analysis
Total sales of skylights are 45,000 units per year, primarily in Washington, Oregon, Idaho and Montana. The sales of skylights have levelled off in
recent years. Prior to the advent of Vancouver Light, Columbia had about a 70% share of this market. Colombia also occasionally sells a large order to
California, with a loss or break–even to fill slack in the

What is a short sale
What is a short sale? You have probably heard this term used frequently lately and have no idea what it means. A short sale is a type of real estate
investment that flourishes in a down market. Right now, most of the United States is in what is known as a buyer's market. This means that there are
more homes on the market for sale than there are buyers. When supply exceeds demand, the prices drop.
This is not the case in all areas of the United States. In some still coveted areas, the supply of home has not exceeded the demand and the housing
values have stayed the same or even appreciated. For the most part, however, the residential real estate market has crashed. States such as Florida,
California and Nevada have an influx of ... Show more content on Helpwriting.net ...
This book will teach you not only how to find short sale clients, but also how you can negotiate with them, different financing options, how to get
partners to invest, what type of documents you need to facilitate the short sale and even title issues that you should be aware of before you purchase a
house "as is." Everything that you need to know about a short sale is found right here in one book.
So sit back and relax and get ready to learn everything you ever wanted to know about the short sale.
Chapter 2 – What Is A Short Sale?
What is a short sale? The short sale normally occurs when a home owner is about to go into foreclosure. They may be desperate to sell their homes
and are doing everything that they can do to get rid of the home. They actually owe more money on the house than the house is worth and are
anticipating having to bring a check to the closing. This is not something that they want to do, but nor do they want to go through the trauma of
foreclosure.
A foreclosure occurs when a mortgage company comes in and takes a house back from a borrower who has defaulted on his or her mortgage. The
default is usually the case of them not paying their mortgage payment. Generally, mortgage company will begin foreclosure proceedings after a
borrower has not paid their mortgage for two months.
Prior to the foreclosure, the homeowner has a chance to stave off the proceedings. They can, and usually do, try to work things out with the mortgage.

Hautelook's Business Analysis
Introduction Hautelook is an online shopping website which offers flash sales and limited–time sale events with many famous brands. Hautelook offers
more than 100 events for customers such as women's and men's fashion, kid's clothing and toys, jewelry and accessories, home decorations and so on
(Hautelook–about, 2016). The company of offices based located in Southern California and New York. It was founded in 2007 and was acquired in
March 2011 by Nordstorm Inc. for as much as $270 million in stock, the company had revenue of more than $100 million in 2010 and expects sales to
rise 50% to 60% in 2011 (Chang, 2011).
Hautelook company's main business philosophy provides a "flash sale" workplace for consumers (Hautelook–about, 2016). What are

Business Case Study: Lyta Apparel
Part I
A. Company name: Lyta Apparel
B. Categories: the company will have 6 categories: shorts, pants, shirts, jackets, knit sweaters, and briefs. Size ranges: S–XXXL, pants and shorts will
range from 22 to 42 Price points: wholesale: $20–35: Retail: $50–$60
C. Sales volume; The average price is $30 X 13000 units = $390,000 Customer base: Men between 18 and 35 years who love fashion and they have
an annual income of $50,000 to $110,000. This group is tech savvy and they can shop online as well as the traditional brick and mortar stores.
Number of stores: ten retail stores and an online platform will be sufficient to reach the target market. Types of Stores: Exclusive men's clothing store
within cities that will be supplemented by an e–commerce website for those who wish to shop online. Size of average order: $30 average price X 1500
units= $45,000.
D. Next Line
Number of styles: 10 shorts + 20 pants + 10 shirts + 5 jackets + 10 knit sweaters + 10 briefs= 65 styles.
Projected volume: 13,000 units X $30 = 390, 000
Sales goal: $390, 000
E. Cost Sheets
Part II
A. Cost controlling
The production process will have to control cost to ... Show more content on Helpwriting.net ...
Automating this process will save time and cost compared to manual grading. Further, the company will invest in its skilled workforce such as
designers. In the world of fashion, creativity is paramount and training employees will give them the skills that they need to develop competitive
designs and patterns. The production plant will also be expected to have a recycling process for waste management to avoid penalties that as a result of
environmental pollution. The production manager will also audit the process after every order to make sure that the actual cost matches the
projections. Keeping track of the expenses will ensure that the production process remains affordable so that the business is

A Functional Structured Organization With Hierarchal Rankings
KovГЎl is a functional structured organization with hierarchal rankings. Below is the organizational chart;
Owner 1; Zachary Houghton is part owner of KovГЎl and manager or sales and advertising. Some of his duties include; overseeing all sales, setting
long range sales goals and schedules, and leading company–wide business meetings. Weekly sales reports are given to Zachary showing total sales,
revenue, and losses, with this data, he can make educated decisions and decide the direction that the company will take as it pertains to sales. Long
range, one to five year, sales goals and schedules must be set so that lower management has an idea of how to handle volume and traffic, also this
information is needed for other departments, such as ... Show more content on Helpwriting.net ...
Florence's responsibilities include; answering customer's questions, supporting sales associates, setting and meeting short term sales goals and
schedules; one to six months, and holding daily meetings with sales associates before opening each day. Florence is expected to be knowledgeable of
all products sold by KovГЎl so that he can properly answer any questions. He must set short term goals for sales associates to meet. Also, he must
hold daily pep–meetings to prepare the sales team for the day.
Sales Associates; Debby Bub, Lush June, and Lashaunda Miavers are all part of the sales team. The sales associates process transactions, take
orders, restock retail space, and interact with customers. Processing transactions is the chief duty of each sales associate, this includes operating a
cash register, processing returns, and signing customers up for the company newsletter. The associates will also take orders over the phone from
business clients, these orders will be processed directly from their computer to the sales directors who will then send to the production officer upon
acceptance. The sales associates are responsible for restocking the store shelves and arranging in an organized fashion as designated by the marketing
and sales team. Occasionally customers will return items, this transaction will be handled by the sales associate. Finally, the sales associate is
encouraged to talk to customers about signing up for the weekly newsletter that KovГЎl

A Report On Sales Tracking Software
Sales Tracking Software
The purpose of this document is to describe the change that is going to take place that will consist of implementation of software to track sales. This
change will have a major impact on the sales associate team, hence why it should be thought out very deliberately and outlined clearly. This change
implementation plan will describe the following: the type of change, the change process, and what should be done in case there is resistance to the
change.
Type of Change
Beginning January 1, 2016 the sales associate team will no longer be tracking sales manually on paper; rather XYZ Software will be utilized to track
the company sales. The sales team will be required to enter all pending and finalized sales within the ... Show more content on Helpwriting.net ...
Expectations for the leadership team beginning January 1, 2017: the leadership team will be expected to audit all entered sales within XYZ Software
in order to track the success and opportunities of the sales team. Leadership personnel are to review pending and finalized sales with sales staff at all
team and one on one meetings. Sales statistics generated from the automated system are to be reviewed at all leadership team meeting to help prepare
for future sales decisions and strategies.
Change Process
Climate of Change
First step within the change process is to create a climate of change for the employees. Not just for the sales associates or for the leadership staff that
it affects, but for the entire organization. It is essential that the entire organization is aware of the impeding change, even if they are not directly
affected by it. By creating a climate of change for the entire organization it aids in producing a climate of understanding for any delays or frustration
caused by the change.
Promoting a climate of change. In order to promote a climate of change the first step is to communicate the change from the top to all employees. The
first step of communication will consist of an employee advisory coming from leadership at the very genesis of the software being built. The advisory
will consist of high–level information that will include the vision and strategy of the change.

Valley Winery Case Study: Pat Waller
Sales Management The Valley Winery Case Study Introduction Pat Waller was hired as a sales manager for the San Francisco region's chain
division for the Valley winery products and despite having very good sales a high turnover ratio of 100% seemed to be a major impediment in the
future prospects of the company. Waller despite lamenting the problems he inherited had a major task ahead of the situation regarding a better
planning of strategies which would help in organizing of the sales force activities at Valley Winery and its prospective operations in the region. The
Company Valley Winery was founded in 1933 and has risen to be the largest domestic producer of wine in the US. The company has more than 40%
of market share in the US and... Show more content on Helpwriting.net ...
The motivation of the sales force is so low that they think that the district managers are no more that the baby sitters. No right schedule is being
released by the management, there is no sales management planning in the organization. The leadership runs from the top. The employees just want to
make sales without having concern about the company in that they work. Moreover, the uncertain night calls and long distance travels for the reps and
frequent changes in the sales organizational structure has made problem even worse. Symptoms to the Problem пѓ High turnover rate The turnover
rate is high over the past several years. is doubling every year and still the number of employees remain constant. the working experience of an
average employee is around 7 months which clearly tells that company is aggressively hiring the sales people. And total of approximately 50 sales
persons are replaced every year. пѓ Poor Hiring Mechanism No aptitude tests No background checks Non–involvement of direct supervisors in
recruitment No coaching and lack of motivation (Leader runs from the top) Some of the other problems identified are as follow: Poor Forecasting of
number of sales person No professional training provided Lack of vision Lack of career development Poor Territory design Lack of supervision of the

Honda Case Study Solution
Honda (A) Case Study Solution
1.What is the explanation for Honda's success in U.S market?
Ans: Honda Motor company is basically a Japanese multinational company producer of motorcycles, power equipment and automobile. During the year
1960–1980 is the era of huge success period of the motor company. After gaining huge success in its home area company thought to penetrate in US
market in 1959 onwards.
We can carry the concept from Ansoff Matrix that, diversification is the one of the best strategy to develop and stay in a competitive market. Honda
motor company also follow the same i.e Diversification i.e new product in a new market. As at that time already Honda was a world's largest motorcycle
producer so they tried to capture the new market i.e US market by establishing U.S subsidiary and offering the customer a light weight motorcycle to its
customer.
Also Honda Motor Co. follow one of the important concept called Holistic Marketing which is the key indices for a company. It follows the Integrated
Marketing i.e company tried to work simultaneously on product, services and marketing extensively. The company's product was well established in
the market from previously, they followed to advertise their product so that it can reach to the customer and they prefer their product ... Show more
content on Helpwriting.net ...
From the concept of Porter's Value Chain we know the primary attributes are inbound logistics i.e nothing but building relationship with suppliers and
distributers so that they can push the products to the customers. The second thing is Operation and Outbound Logistics, these are also visible is the
case, all the activities are done to transform from input to output and the end products are distributed in the market. Also last one is Marketing and sales
that extensively followed in Honda to reach to the new customer. Due to maintain the proper value chain Honda can gain a huge amount of market
share in the industry at that

Exploring the Foreclosure Crisis Essay examples
Mortgage. The word stems from the old French phrase "mort gaige," which loosely translates into "dead pledge." Truth in title, it precisely sums up its
bearing on modern homeowners. In order to fully grasp the weight and severity of the former statement, a thorough definition must be produced. A
mortgage is a debt and/or pledge, which cannot be expunged under ordinary circumstances. Its demise depends upon one of two occurrences, the first
being its payoff. The other option is payment failure otherwise known as foreclosure. The latter seems to be an unsettling staple of society in America
and abroad, thus fulfilling its namely obligation. More and more homes are going into foreclosure, leaving an equal amount of homeowners to face the
... Show more content on Helpwriting.net ...
To fully rectify this issue, we must root out the cause and begin the rehabilitation of its very foundations, foundations being the operative word. The
foundations are basically every participant in the world of mortgage and real estate, but the most prominent characters are appraisers, realtors, banks
and surprisingly homeowners. This scenario was the product of a greedy, corruption filled industry sponsoring a trickle down effect. Greed and
corruption play obvious key roles in this particular transpiration. They are counterparts for all parties involved. For example, homeowners know
that wealth equals power, as professed by the materialistic culture created by ourselves. In order to (please pardon the colloquialism) "keep up with
the Joneses," one "must" have a big house, a big car and so on and so forth. However, big houses cost big money, which a lot of people don't have. So
prospective homeowners tend to lie on loan applications, in order to live beyond their means, and purchase homes that are far too expensive for their
actual financial situation. Appraisers and realtors had a hand in determining the price of these homes, often doing so in an unorthodox fashion.
Appraisers used false advertisement or rather false estimation in calculating the value of these homes, resulting in gross inaccuracies. Realtors upheld
their friends by listing these homes at their

Short Sale Is The Sale Of A Stock
According to the provisions of the US Securities and Exchange Commission, A short sale is the sale of a stock that an investor does not own or a
sale which is consummated by the delivery of a stock borrowed by, or for the account of, the investor. It is usually performed to profit from an
expected decline in the price of a financial instrument. Typically, theshort–seller will borrow the securities to be sold, and later repurchase identical
securities for return to the lender. Short selling can be divided into two types: "covered" short selling where the seller has made arrangements to
borrow the securities before the sale and "naked" short selling where the seller has not borrowed the securities when the short sale occurs. Although ...
Show more content on Helpwriting.net ...
The lack of information on short positions also means that regulators cannot properly monitor short selling transactions for possible market abuse, so
there may have possibility of abusive behaviour not being detected or sanctioned.
As outlined above, which can be seen as reasons why many countries have already taken national actions on restrictions on short sale. After 2008
financial crisis, most countries introduced in emergency measures of intervention in the short selling. Among these measures, information disclosure
system, price regulation and prohibition of naked short selling are relatively significant and have more attention by the public.
For example, UK has taken actions with regard to short selling restrictions and disclosure requirements. Since there is a difference in and changes in
national rules on short selling, so implying additional compliance costs for investors who operating in several EU markets, such as costs of identifying
different national rules.
The effects of these restrictions on market.
The first figure shows that the cumulative returns for the 146 sample stocks which are in the SEC's original shorting ban list, and returns for the
S&P500 index, and the 1066 NYSE controlled stocks that has no short sale ban. We can see that the all three stocks have similar trends of return from
Aug 1 to Sep 17, so that the treated stocks and control stocks are quite similar before the implementation of the ban. The ban was announced and
implemented

Cookie Sales: A Short Story
"What the hell is this?" the customer wailed. With a sigh I said, "That's your fortune ma'am." At a very young age, I remember becoming a divination
scout, it was probably one of the proudest moments of my life. Unfortunately, this was not the case during the cookie sales– I would flash a bright
smile, but would always be met with faces of repugnance. "Well I want a new one!" she demanded. I always seemed to get the bad ones, and I
could never understand why. Everyone else would always have messages of happiness and joy, even the unpleasant ones were usually put in a
comforting way. This however, was not the case for me. "I'm sorry, but I'm not allowed to do that. You can, however, buy one for a friend." She
handed me the money as

Garage Sales Short Story
Yesterday, my grandma and I went around on a nice spring day to go to garage sales. The first garage sale we went to was a small little brick house
with beautiful rose bushes out front. Inside the garage I saw a nice vase with beautiful swirly blue, yellow, and green patterns, and a cork in it to
cover the top. I thought that it would look beautiful on my bookshelf, so I bought it for $3.50. After we went to the rest of the garage sales I was
very anxious to see was inside of the vase, but my grandma wanted to go to lunch downtown first. Even though the scenery was beautiful with lots of
blooming trees and bushes, I really wanted to go home and open that vase. When we finally got done with lunch my grandma said, " you should come
to my house to open that vase because, I would like... Show more content on Helpwriting.net ...
We both just stood there shell shocked for probably 5 minutes, when I said, " We have to go return this!" 1As we were driving back to the first
garage sale that sold us that urn, we hit every red light on the way there, went through lots of traffic,and we even passed by a car crash, when we
finally got to the small brick house the garage sale was over, and nobody was home! The next day we drove back again and still nobody was home
at the small brick house. After standing around looking clueless for a while, the lady next door, in an all blue dress came out and said, "they just
left to go on vacation all week to Hawaii." "So, we have to wait another 7 days to give this urn back?" I said. When they finally came back from
vacation a week later, we went to their small brick house to return the

Nike Pricing Strategy
B (5) NIKE'S PRICING
Pricing is company selling a product or service. The product price can set to a highest profit for every single product sold in the market or from the
market. The price can be control by the organization to benefit their consumer needs and wants depending consumer behavior and the market.
(THEECONIMICTIMES, 2013)
In NIKE Company there is two pricing strategy and the first strategy will be everyday low price (EDLP) and high–low (HI–LO). The definition of
EDLP, the NIKE Company will cut down their company expenses fromadvertising and some operation expenses. Besides that, NIKE Company will
ensure every consumer is affordable to purchase his or her product by giving up lowest price. Because of this strategy, it will give the organization
having a better supply chain management. For example, NIKE Company will not occur out of stock because in the price strategy it will make sure
higher inventory turns and this pricing strategy will not stock outs. Apart from that, NIKE company use the cost–oriented of pricing strategies to target
the customers who are in middle–income of customers by setting low price with the intention to attract customer's attention to reap more profits. ...
The topic that we choose is Nike's company which is the big company and lots of competitor in marketing such as Adidas and Puma. Nike's company
does have a lot of loyal consumer and because their company have a good communication mix in marketing. First of all, limitation is one of the
communication mix. Consumer may just wait the incentives for example like on time delivery. Other than that, consumer may diminish image of the
firm, represent decline in the product quality. Nike also will reduces profit margins, customers may stock up during the promotion. Shift focus away
from the product itself to secondary factors, therefore no product differential

Not For Sale Short Story
"Not for Sale" by Alexandra Giang speaks about human trafficking and who all was involved in it. The short story goes on to speak about how the
people involved were not just men and women but, also children. Giang then speaks about what the different men, women, and even what some of the
children were used for. She also shares why some people sell their family members into the human trafficking. Giang says that the traffickers give those
being trafficked a better life and education. She also tells were the different places people were taken from and where they are trafficked to. Alexandra
used many different statistics throughout her reading and many different outside sources. Alexandra stated that she did not agree with trafficking. She...
I believe the women in sex slavery and those who are placed in brothels have the worst situation because you are used and abused for the rest of
your life. Some of the owners provide drugs for the women and then seduce them seduce so the women do not know what is going on. These owners
also do not care about the women because the owners can go out and just purchase another slave. The women are used and abused then when the
owners do not want them anymore they get rid of the women. Then the owners go out and get another female and the vicious cycle continues over and
over again until the owners are satisfied. As horrible as this life sounds, I believe the children in this trade have it the worst.
Children trafficking is the most sickening and cruel trafficking of them all. How could a person take an innocent child and sell him/her to someone
who is just going to hurt them? This is the part that I cannot wrap my mind around. Yes, some children are annoying but, no child deserves to be
taken away and sold. Children are people they should not be treated as items or things that can be easily replaced. Some children have done things
that are wrong and some children have done nothing. Even if a child has done something wrong, that child does not deserve to be sold into trafficking.
How could someone take a five–year–old child and take him away from his family. How would you feel if that was your own child? I would have the
biggest hurt throughout my body because of my child

Sales Assistant Cover Letter
First, and foremost, I would like to thank you for taking the time to read my cover letter and considering me for the Sales Assistant position with
AT&T. Please accept this cover letter and the following resume as my application for the aforementioned position. I am extremely interested and
excited about becoming an asset to AT&T. While meeting all of the key requirements for theSales Assistant position, I also would like to mention some
specific attributes that I possess that would make me a prime candidate for this position.
I believe that I would be a great fit because of my current involvement with the marketing team with my current employer. My entire employment
history is sales based and I am comfortable in that role. In my current ... Show more content on Helpwriting.net ...
As a manager it is my responsibility to create solutions and out of the box ideas to appeal to my customer base and I am very skilled at doing that.
While at the University of Cincinnati, I graduated with a degree in communications with concentrations in Public Relations and Mass
Communication, which has given me superior written and verbal communication skills. Parts of my managerial duties are to process invoices, track
budgets, and I have experience with negotiation. I am also proficient in identifying trends and being a graduate in 2012 I am extremely experienced
with social media tools and along with my previous skill set, I know what people look for and what makes the market tick. I look forward to
relocating to Atlanta and living in the market. Family is the reason for my relocation needs.
In addition to the above attributes I possess I also would like to state that I am a quick learner. I have a go over and beyond, positive, self–starting
attitude. I also played college football at the varsity level and I am a naturally born leader blessed with the appreciation of teamwork and being able
to work independently. These are some of the reasons I believe I would be a great fit for the company, but more so a fit for the position specifically.
Once again thank you for your time and I look forward to the opportunity to work for

Boc Ohmeda
Ohmeda's current distribution system and sales organization is not well suited to implement Rountree's new business strategy. The new corporate
strategy calls for growth in high technology product lines and the current dealership channel is more suited to goods that require less education and
information. In summary, the market trends combined with our changing corporate strategy will require Ohmeda to change the distribution channel
and structure of the sales force. In the short run, this will require a transition period and an investment to reorganize Ohmeda's sales force for long term
growth. In the long run, we believe this consolidating market will be heavily specialist orientated. Due to these facts we recommend a dedicated ...
This is where the money is and the growth is. Their consolidation will in essence allow us to lessen the breadth of our dealer coverage and allow us to
focus our sales effort in this high growth area.
Restructuring Recommendation and Evaluation
In the short term we calculate that the change to a specialist model will likely result in upfront costs in the form of training and hiring new reps. This
will be a transition period that will ultimately lead to our long term vision: Ohmeda's sales specialist selling to medical specialist in the high technology
segment.
We are not recommending that Ohmeda discontinue relationships with all dealers. We recommend that Ohmeda should keep some dealers to
operate in the low technology suction market. This is a $24M market and we have a 60% market share. This $14.3M in sales represents 15% of our
1985 medical equipment sales. We project this to grow 3.27% per year. This market appears to be a cash cow segment where having dealer intensity
is important. Over the past few years, a competing company focused on price has made some in–roads in this market and Ohmeda fears that
terminating the dealers will harm this segment. Given that this is a price sensitive, low technology market we think the dealer network will be able to
help fend off the competitor. History has proven this to be the case.
To compare

Keeping My Sales Manager's Offer Changed Everything, For A...
Refusing my sales manager's offer changed everything, for a short time anyway. Until then, I'd been working hard to implement the principles that my
father had taught me, believing that it was only through a strong relationship with my customers that my own sales would grow. But after taking my
stand against an early dismissal from the race, I picked up my pace considerably. I worked longer hours, getting to work long before anyone else did. I
did more cold calling, enough to keep my sales manager from breathing down my neck. But mostly I spent more time getting to better know my
customers. Following my father's advice, I started building a profile on each of them. How much business we did together. Their likes and dislikes.
Family names ... Show more content on Helpwriting.net ...
My dad attributed much of his success to this ritual. Now I followed his lead, doing the same thing with my own customers, though I opted for using
my laptop computer instead of a spiral–bound notebook.
Unfortunately, none of this hard work coincided with any new orders. After the big sale from Nick Mathus, I kept flooding my territory with more
proposals, but not one came back with a 'yes' attached. For weeks, while I reveled in getting to know more about my customers than ever before, the
prospect of reaching my quota did not change much at all. Even with the Mathus order, the dream of saving my job was still so very far away.
It was no wonder, then, that the feelings of remorse slowly crept into my head, arriving under cover of night, and sprang upon me as I woke on the
Monday morning that marked the start of the final three weeks of the contest. Lying in bed, eyes fixed to the ceiling, I was frozen with questions
and doubts for which I suddenly had no answers. Why had I said 'no' to my sales manager's offer? Why had I turned down an offer to start finding
another job while still being able to draw a paycheck? What had I been thinking? Finding the inner strength to stick out the contest to the end was
certainly noble. But when I was out of work, answering help wanted ads and cutting up my credit cards, nobility sure wasn't going to help cash my
checks at the bank. What in the hell had I gotten

Motivation by Commission Based Pay
Introduction:
In today's competitive environment, companies are constantly striving to survive and grow by pushing their sales department to grow sales and in turn
their bottom line. As a great motivational tool, most companies that rely stronly on their sales force will use incentives contracting such as commission
based pay.
According to Washington (2009) , commisions are "a form of variable pay by which staff earn a cut of the income they create for their employer". As
a result, the company directly links its perfomance to those of its sales staff so that their income is dependent on the company's sucess.
According to Interest and Octaviani (2009), a selling agent has two direct tasks: (1) prospecting for customers and (2) ... Show more content on
Helpwriting.net ...
The author continues to argue that commissions are a great way to " inject sales motivation into the workforce"( Meyer, 2010) but too many
companies fear that it will detract from customer service and customer relationship. In fact, when a customer accepts a product or service that is
offered through aggresive selling, the customer satisfaction level actually improves because the firm was able to offer a product or service, the
customer did not know he/she needed it ( Meyer, 2010). Anticpating customer wants and needs before they themselves are aware of it is the true key
way in building an effective sales force.
Caruth (2006) argues that by having a commission based pay, a company is able to motivate their sales staff to exert more effort for every customer
they try to service. That may not necerssrily mean it will result in a closed sale as over aggresiveness can lead the customer to get frusrated and see
the whole experience in a negative way.
Nevertheless, it also benefits the company by improving their human resources prcatices in recruitment. An organization that uses commission based
pay is likely to attract results–oriented sales personnel "who value a high earnings potential and the freedom of action that may come with it" ( Caruth,
2006). As a result an organization can have a competotive advantage by using commission based pay in recruiting top talent. Straight commission plans
tend to quickly eliminate incompetent sales

A Solution To the Foreclosure Crisis Essay
The foreclosure crisis has reached new heights since the all–time high deficit in the economy. U.S. foreclosure rates went up more than 81% and
861,664 families lost their homes to foreclosure in 2008 (Les Christie). Also, 54 households received a foreclosure notice last year (Les Christie). So
what is the solution?
Bold action is needed to address this serious issue. I suggest a "real estate pause" for a temporary amount of time, similar to what Roosevelt did with
the "bank holiday" during the Great Depression. The root of the foreclosure problem is that people who should be living in homes valued at $200,000
or lower are living in over $500,000 homes with "house poor" mortgages. Many Americans like to live above their ... Show more content on
Helpwriting.net ...
New homeowners should even be required to look at foreclosure properties when looking into buying a new home. The new home buyers need to be
looking into the foreclosure properties so that these properties can be released from the bank's control and the banks can do their jobs. All of these
changes need to be implemented by the federal government because it will cause changes to make a bigger impact and lower the foreclosures at a
faster rate. I understand that completely shutting down the real estate market all over the nation would be difficult and a little unrealistic because of its
size but somehow there needs to be a "pause button" so that the houses can try and get back their original values.
The steps that need to be taken to achieve a "real estate pause" can be a shorter process than one might imagine. The federal government would
have to declare the "real estate pause" and close down the interactions between real estate and the banks. I do not think that it has to be long;
Roosevelt's "bank holiday" lasted only 6 days. It needs to be long enough for the American people to relax and start to trust the system again and short
enough that they do not start to get uneasy about it. I would suggest a week. The idea is to slow down the market a little bit so that it can regulate out
again and start getting back to normal to avoid future

Case Analysis Ockham Technology
Case Analysis – Ockham Technology
1. Assessment of the job Jim has done getting started and assembling key human resources
a. Problems and Solutions
Problem
Solution
Process
Founding a team
Define what they (Jim and Ken) can contribute
Identify other needed skills/capabilities
Decide number of people they need
Look for ideal candidates from their network
Complete
Less than enough (co)founder commitment
Jim and Mike quit their jobs
Ken wrote a check as part of initial capital but did not quit his job
Ron is not treated as the founding team
Complete
Equity distribution
Divided only by capital amount
Complete
No sales & Non–compete term
Made sales calls to "non–compete" clients
Differentiate their products/services
First big sale to IBM – a ... Show more content on Helpwriting.net ...
Decision
i. Start from outsourcing Hotshot Coders because
1. Outsourcing can help Ockham save efforts and focus on other issues

2. Hotshot Coders can handle long hours and tight deadlines, has experienced developers, and asks a lower price
3. Hotshot Coders also knows sales management, which can contribute to a more effective development ii. When Ockham solves investment
/management issues, and grow its sales to a stable level, it may consider building its own development team and improve control over the product
development.
5. Referencing the article by Jaffe and Levensohn, "How Venture Boards Influence the Success or Failure of Technology Companies", how could a
board have helped Jim avoid the problems he encountered before raising institutional capital?
a. Bring in more insightful thoughts and valuable resources, which could help expand the business/sales, reach out to qualified development teams, etc
b. Be more objective in self–assessment and performance evaluation
i. Distribute equity/compensation in a more fair/effective order ii. Better

Who's Who 40 Under 40 Analysis
Greg Clutters demonstrates the qualities YPN nominees, Who's Who 40 Under 40, are required to have: an excellent record in sales, leadership, and
community involvement.
History of Success as a Real Estate Agent in Any Market
Greg is highly driven and wants to find the perfect real estate investment or home in any market for his distinguished clientele. He has a vast market
knowledge, provides excellent personal service, uses unsurpassed discretion, and builds enduring relationships.
His success speaks for itself: He closed 24 deals and made $6.3 million in sales last year and is projected to make $12 million in sales in 2017. While he
worked with the Hedge Fund in 2010–2012, he bought more than 15 properties at auction and flipped two of

Marketing Week 1 Assignment Essays
Strayer University
Marketing 100003016*201004 Principles of Marketing
Professor Jane Storm
Week 1 Assignment: Assurance of Learning Review
1) The four types of utility are: Form, Time, Place, Ownership a) Form would be a dinner at the Red Lobster b) Time would be getting a haircut at
the base barber shop c) Place would be an ATM machine inside the local grocery store d) Ownership would be shopping at the outlet mall
2) The marketplace condition after World War II that gave rise to the need for consumer orientation by business was the shift from a seller's market to
a buyer's market. When WWII ended, factories stopped producing war related materials and started producing consumer products again. Because it was
now a buyer's ... Show more content on Helpwriting.net ...
6) Firms using mobile marketing to reach out to its customers may benefit from this type of marketing because it provides timely information to its
customers as they go about their days activities. This would be especially useful for short term sales on products. If I was to get an e–mail notification
of a two day sale at thegolfworld.com, I am able to use the link to view sale items right away.
7) The significance of the shift from transaction–based marketing to relationship marketing is that firms realize that just attracting customers to buy
their products is not quite as important as establishing and maintaining relationships with them so that they will turn into loyal repeat customers.
Relationship building begins early in marketing. It starts with what customers want and need, and then developing high–quality products to meet those
needs.
8) The two exchange functions of marketing are buying and selling. They are important to the overall marketing program for the following reasons.
Buying is important because marketers must figure out how and why consumers buy certain goods and services. Retailers and other intermediaries
must seek out products that will appeal to their customers. Selling is important because it involves advertising, personal selling, and sales promotion in
an attempt to match the firm's goods and services to customer needs.
9) The physical distribution function creates place utility through transporting and storing. Transporting

Sales Manager Memo
The reason I am writing a memorandum today is to discuss the much needed new position of a Tri–State Promotional Manager. The explanation for
this new position will be outlined specifically and clearly to highlight how this position will help grow the new product line beyond original
calculations of sales. In recent months our new sporting line Witlow Sporting Gear has increased in sales in a very steady and reasonable expected
growth. However, due to the steady growth the Witlow products will flat line its profits within 8 months, according to sales data that my marketing
team has prepared. My team of marketing analysts and sales strategist recommends that Thomas Sporting Goods, Inc. create a new approach for
promotions for the Witlow ... Show more content on Helpwriting.net ...
He has been instrumental in collecting the quantitative analysis data and sales projections for the Witlow brand line. Reginald Mimms has been
with our organizations for 10 years of service; he has exceeded all sales projections that he has been in charge of. He knows Thomas Sporting Goods,
Inc. inside and out; he has always had the company's best interest as top priority. As the regional Assistant Sales Manager he has proven to be an asset
that we can't lose, his promotion would benefit the company greatly. Therefore, I would suggest his promotion to the new position of Tri–State
Promotional Manager. This promotion would initially be a five year contract, with an option to renew after the five years is up. This will not put
the company into a financial debt. Mr. Mimms has chosen to take a very modest salary increase to step into this new role. After the initial five years
has expired and if Thomas Sporting God, Inc. would like to retain Mr. Mimms for a longer period of time, then we will renegotiate his salary based
on the new sales and profit gains that the company has experienced under his new title. In short, this is a win–win situation for all involved. Please take
this Memorandum into extreme

Essay About How To Solve The Foreclosure Crisis

Recommended

Recommended

More Related Content

More from Angela Lovett

More from Angela Lovett (20)

Recently uploaded

Recently uploaded (20)

Essay About How To Solve The Foreclosure Crisis