This document provides an overview of media coverage of the financial crisis from 2005-2010 through summaries of various articles on the topic. It discusses early warnings of a potential housing bubble in 2005, predictions of a slowing or stabilizing housing market also in 2005. By 2006, some experts predicted price drops in overheated markets. The crisis began in 2007 with subprime mortgage losses and bankruptcies. In 2008, major banks collapsed and the government took action to stabilize markets. Coverage explained the impacts on individuals as seniors, students, or workers. Later summaries focused on recovery predictions, advice for individuals, and ongoing economic challenges.
Bubble spotting - Subprime Mortgage crisis / Housing bubble 2007-2008Benjamin Van As
In the early to mid 2000s a housing bubble was created due to easy access to credit. The fall-out once investment bubble popped nearly brought the banking sector to its knees
This short presentation (part of a series on bubbles) explained what happened
Bubble spotting - Subprime Mortgage crisis / Housing bubble 2007-2008Benjamin Van As
In the early to mid 2000s a housing bubble was created due to easy access to credit. The fall-out once investment bubble popped nearly brought the banking sector to its knees
This short presentation (part of a series on bubbles) explained what happened
A lecture delivered in 2010/11. Why the economy will collapse is a warning to all investors who speculate on stocks and shares, and other forms of speculation. It is far better to invest directly into CASH & PROFITS.
The recession that began in the late 2000s was, to date, the worst economic downturn in the United States since the Great Depression. They didn't call it the "Great Recession" for nothing.
Toegankelijk werk- en denkmodel. ‘Het Palet voor Maatschappelijk Vastgoed’ neemt u moeiteloos mee langs alle basisaspecten van het werkveld en het laat u op een unieke manier de onderlinge samenhang zien tussen Beleid, Vraag en Aanbod, Eigendom, Gebruik en Beheer. En ook het sturende effect van Visie, Politiek en Maatschappij komen in vogelvlucht voorbij. De heldere inhoudelijke toelichtingen worden afgewisseld met inspirerende inzichten. Zo is er een intermezzo over hoe mensen en organisaties omgaan met veranderimpulsen en het pad waarlangs organisaties zich kunnen ontwikkelen.
Charts and data on the Pennsylvania state budget, 2015. Includes summary of Gov. Tom Wolf's proposed Pennsylvania state budget, state taxes, public school spending, and more.
Prepared by the Commonwealth Foundation, www.CommonwealthFoundation.org
A lecture delivered in 2010/11. Why the economy will collapse is a warning to all investors who speculate on stocks and shares, and other forms of speculation. It is far better to invest directly into CASH & PROFITS.
The recession that began in the late 2000s was, to date, the worst economic downturn in the United States since the Great Depression. They didn't call it the "Great Recession" for nothing.
Toegankelijk werk- en denkmodel. ‘Het Palet voor Maatschappelijk Vastgoed’ neemt u moeiteloos mee langs alle basisaspecten van het werkveld en het laat u op een unieke manier de onderlinge samenhang zien tussen Beleid, Vraag en Aanbod, Eigendom, Gebruik en Beheer. En ook het sturende effect van Visie, Politiek en Maatschappij komen in vogelvlucht voorbij. De heldere inhoudelijke toelichtingen worden afgewisseld met inspirerende inzichten. Zo is er een intermezzo over hoe mensen en organisaties omgaan met veranderimpulsen en het pad waarlangs organisaties zich kunnen ontwikkelen.
Charts and data on the Pennsylvania state budget, 2015. Includes summary of Gov. Tom Wolf's proposed Pennsylvania state budget, state taxes, public school spending, and more.
Prepared by the Commonwealth Foundation, www.CommonwealthFoundation.org
Oude organisaties, nieuwe tijden. Over loslaten, ontketenen en bewegen in ver...Hans Schut
Als er één ding is, wat we in de huidige tijdgeest aan den lijve ondervinden, is het wel dat alles voortdurend in verandering is. Het nieuwe werkt in op het oude. En het oude transformeert … of gaat teloor. In deze nieuwe tijd wordt van oude organisaties een beweging van binnenuit gevraagd. Maar voor uitgekristalliseerde systemen is dat nog niet zo makkelijk. Een oude boom moet je niet meer verplaatsen, toch? In zijn nieuwe essay wisselt Hans Schut met ons van gedachten over de uitdaging voor oude organisaties: loslaten, ontketenen en bewegen. En over de mensen IN de organisatie, bij wie de beweging van binnenuit moet komen.
How to Create Visual Content That People Can't Wait to ShareBoom! Social
Visual content is “snackable” and helps you grab the attention of your ideal customer. If you aren’t prepared for the visual content revolution, you are going to be left behind.
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A controversial paper on what created the next potential depression of 2008. Many hours was conducted researching the causes of the economic collapse in 2008. The question might be asked, could we see this happen again?
The global financial crisis, brewing for a while, really started to show its effects in the middle of 2008. Around the world stock markets have fallen, large financial institutions have collapsed or been bought out, and governments in even the wealthiest nations have had to come up with rescue packages to bail out their financial systems.
On the one hand many people are concerned that those responsible for the financial problems are the ones being bailed out, while on the other hand, a global financial meltdown will affect the livelihoods of almost everyone in an increasingly inter-connected world. The problem could have been avoided, if ideologues supporting the current economics models weren’t so vocal, influential and inconsiderate of others’ viewpoints and concerns.
This presentation provides an overview of the crisis with links for further, more detailed, coverage at the end.
A crisis so severe, the world financial system is shaken…
Attached is a wonderful presentation by the wizard financial analyst and writer Arif Anees. Hope you'd all relish this rare stuff..
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
Affordable Stationery Printing Services in Jaipur | Navpack n PrintNavpack & Print
Looking for professional printing services in Jaipur? Navpack n Print offers high-quality and affordable stationery printing for all your business needs. Stand out with custom stationery designs and fast turnaround times. Contact us today for a quote!
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
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Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
3. Is there a housing bubble and if so,
what are the causes?
But the report also fed growing concern among some
observers that the rapid increases in housing prices
represent a so-called housing bubble that could be at
risk of a correction.
July 25, 2005
Walter Molony, spokesman for NAR, added while there
has been "an explosion in first time homebuyers using
no-down payment loans" or other exotic mortgage
products, he didn't think there was necessarily a direct
correlation between the availability of flexible home
financing products and the housing spike.
October 21, 2005
4. Should I continue to buy?
"Just when you think sales activity is
ready to settle into a more sustainable
pace, the housing market continues to
surprise.” David Lereah- NAR’s chief
economist
“This performance underscores the value
of housing as an investment and the
importance of homeownership in fulfilling
the American dream”
July 25, 2005
5. What do government officials think?
Federal Reserve Chairman Alan
Greenspan, who does not believe there is
a bubble in the national housing market,
warned Congress in testimony last week
that there could soon be declines in prices
at least some of the markets that have
seen home prices soar
July 25, 2005
6. In 2005, what do experts predict?
Ellen Bitton, president and chief executive of
Park Avenue Mortgage Group, said the
market is more likely to undergo stabilization
rather than any major decrease in valuation.
She estimated that housing prices would
return to a more stable 3 to 5 percent growth
rate once it returns to a buyers market.
October 21, 2005
7. In 2006, what do experts predict?
Prices will flatten in most ex-boomtowns this year, and
next year will be worse, says David Stiff, Fiserv's chief
economist. "A lot of markets--particularly those where
prices have increased dramatically compared with
income--will see drops by late 2007."
That doesn't mean, however, that real estate is about
to crash across the U.S. …"There are sizable parts of
the nation's housing market that will be just fine," says
Economy.com’s Marc Zandi
May 22, 2006
8. Is the housing bubble really that
bad?
David Seiders, chief economist for the National
Association of Home Builders, said that in light of
those concerns and the increase supply of homes on
the market, the slowdown in building is a good thing
for the market.
April 18, 2006
A housing-price drop would not be bad for everyone.
In fact, many canny real-estate investors have been
hoping for just such a hit… Falling markets can even
sometimes have a positive effect on how much
landlords can charge for rents by increasing the
demand for rental units
January 22, 2006
9. Should I worry?
Take a deep breath. We're not forecasting a
nationwide housing collapse. For one thing,
the vast expanse of America between the
coasts was never touched by real estate
mania and is in no danger of a meltdown.
May 5, 2006
New York, Citigroup senior economist Steven
Wieting said that concerns about a recession
due to softness in the housing market are
overdone.
November 27, 2006
11. What exactly happened?
Feb 7, 2007: HSBC is the first major bank to make an announcement about
increasing losses of subprime mortgages.
April 2, 2007: New Century Financial (one of the nation’s largest subprime mortgage
lenders) files for bankruptcy.
June 2007: Two hedge funds run by Bear Stearns have increasing losses. This is when
Merrill Lynch, JPMorgan Chase, Citigroup, and Goldman Sachs fear trouble.
September 18, 2007: The Federal Reserve starts cutting interest rates and loaning
money directly to Wall Street Firms.
July 11, 2008: The FDIC takes over IndyMac and warns that more bank failures lay
ahead.
March 16, 2008: JPMorgan Chase and Co acquires Bear Stearns.
September 6, 2008: Paulson announces a takeover of Fannie Mae and Freddie Mac
September 15, 2008: Bank of America takes over Merrill Lynch. Lehman Brothers files
for bankruptcy
12. How can I protect myself?
More banks are in trouble according to the FDIC.
Is your bank next on the list? Here's what to look
for.
1. Get the numbers
2. Get the ranking
3. Know the signs
4. Don’t panic
August 27, 2008
15. What is the government doing to
help?
By the end of the weekend, the Federal Reserve had
stepped in to try to calm the markets by announcing
plans to loosen its lending restrictions on the banking
industry.
This month, the U.S. government took over
mortgage finance companies Fannie Mae and Freddie
Mac. That was Washington's most dramatic attempt
yet to shore up the nation's faltering housing
market, which is suffering from record foreclosures
and falling prices. That plan calls for the government
to run Fannie and Freddie until they are on stronger
footing
September 15, 2008
16. Can I easily understand what is
happening?
World-wide repercussions:
Stocks rallied around the world as details of
the rescue plan emerged with New York's
benchmark Dow gaining 7.3 percent since
late Thursday, its biggest two-session gain
since October 2002. London's FTSE 100
jumped 8.8 percent, Shanghai closed up a
record-breaking 9.5 percent and Hong Kong
gained 9 percent as investor confidence
returned.
Sept 20, 2008
17. Can I easily understand what is
happening?
AIG bailout:
When you think about putting an automaker
out of business, you put tire makers out of
business, you put seat makers out of
business, you put all sorts of things out of
business. It's the same thing with AIG. There
are tentacles. They're just so connected to so
many other parts of the economy that the
government deemed it more dangerous and
potentially more expensive to the economy to
have it fail than to give them this loan
18. How does this affect me?
As a senior citizen?
For older Americans, it's a particularly vulnerable time.
The stock market is down, the housing market is
slumping, and costs for things such as groceries and gas
remain higher than in previous years.
Sept 19, 2008
As a student?
But students like Hahn remain on the fringe. Even
after being awarded an out-of-state tuition waiver,
which lets him pay the same tuition as a resident
from Georgia, he says he has borrowed all he can in
federal loans. His parents, who are facing their own
financial struggles, can't co-sign for a loan with a
lower interest rate or better terms
Sept 18, 2008
21. Am I getting a broad-range of
information?
double dip recession, job growth, stimulus plans, unemployment rates, real estate
progress and failures, the state of the stock market
22. Am I consuming biased
information?
President Obama
Phyllis Caldwell (head of the Treasury Department's
Homeownership Preservation Office)
CEO’s of major banks, hedge funds, and mortgage
companies including Countrywide, Bank of America,
Economists from the Economic Cycle Research
Institute (Lakshman Achuthan)
23. In 2010, what do experts predict?
“Unfortunately the unemployment rate is
probably going to increase again before it
continues on a downward trend. That's
primarily because the jobs recovery has been
slow enough that many people who are
unemployed are not actively seeking job
opportunities… Unemployment could go up to
9.7% to 9.8% to 10%.”
24. What steps can I take now?
“How to raise a family during the crisis”
“Business etiquette and other ways to help the job
search”
“Mogul Brothers offer rich advice through tough times”
(lessons learned through global recession that could be
applied to any business owner)
“What to do with what you have”
“Best cities for business”
“How to buy with so-so credit”