This document discusses why real estate is still considered America's best investment. It notes that while home prices fluctuated wildly in recent years, the housing market is recovering in most areas. Real estate remains the best long-term investment despite recent volatility. Home prices are expected to rise in 2013 as distressed sales decrease and demand increases due to an impending housing shortage.
Market Expert Handout - Chicago Real Estate Market - May 2011Matt Dollinger
This handout is provided to members of the @properties Market Expert program in conjunction with Keeping Current Matters. The enclosed information discusses factual information about the Chicago real estate market specifically - as well as local North Side neighborhoods.
Market Expert Handout - Chicago Real Estate Market - May 2011Matt Dollinger
This handout is provided to members of the @properties Market Expert program in conjunction with Keeping Current Matters. The enclosed information discusses factual information about the Chicago real estate market specifically - as well as local North Side neighborhoods.
John Helfrich Real Estate Newsletter January February 2012John Helfrich
East End Toronto Homes Newsletter for January and February 2012 - by Toronto Real Estate Agent John Helfrich. Topics:Toronto Real Estate Market activity. Property Tax Assessments - Is your assessment fair - and what to do if it's not. Toronto condo Market, RRSP, TFSA or mortgage?
Macro housing conditions - the long-term outlook for the Australian housing ...Prosper Australia
Leading Australian economist Leith van Onselen provides the 121st Annual Henry George Commemorative dinner presentation. The wide ranging discussion covers land and housing prices, bank lending, demographics and investment behaviour plus the commodity boom's influence on incomes and thus land prices.
THE HOUSING MARKETGreat RecessionMortgage collapseHigh i.docxrtodd33
THE HOUSING MARKET
Great Recession
Mortgage collapse
High interest rates
Restricted supply of new homes
https://roselawgroupreporter.com/2015/05/freddie-mac-housing-markets-continue-to-get-better-ariz-among-most-improved/
In the course of the most recent decade, no occasion has impacted the housing market more than the worldwide financial downturn that started in December 2007. Amid this seismic financial move, alluded to as the Great Recession, many, if not the vast majority, confronted a bunch of uncommon challenges. The subprime contract crumple prompted numerous individuals losing their homes and monetary stagnation. Americans confronted money related debacle as the estimation of their homes dropped well underneath the sum they had obtained and subprime loan fees spiked. Month to month contract installments relatively multiplied in a few sections of the nation. Much of the time, borrowers were in reality better defaulting on their home loan advances instead of paying more for a home that had dropped sharply in esteem. Thus, home building saw a huge decrease, bringing about a confined supply of new homes for a consistently developing populace. The absence of supply and the expanded request saw the land condition transform into a vender's market. More individuals were currently pursuing less homes, which expanded home costs.
1
HOUSING PRICE INDEX
HOUSING PRICE INDEX
2011 THE AVERAGE PRICE WAS DOWN TO JUST 300K US DOLLARS
American housing market reform
Today’s average housing price index
The housing price index averaged around 378k us dollars in 2007, by 2011 the average price was down to just 300k us dollars.
During 2011, under the Obama administration, the American housing market reform was created. The housing market reform was created to increase the number of jobs for US citizens and help restore the housing market. Today, the average housing price index is back up to just over 400k.
2
Household income
2007 average household income
decrease in average household income
By 2011 the average household income dropped down to a little over 53k year
2016 average household income
The average household income for families were up before the market crashed. The decrease in average household income played it’s part in the housing market crash. The average household income in the US was around 58k per year in 2007, by 2011 the average household income dropped down to a little over 53k per year. In just two years (2013) the average household income was up to 55k a year and today the average household income is up to 59k per year.
3
Household income
Here is a depiction of the Household Income from 2007 to current.
4
3908339448398144017940544409094127541640420054237058149560765568354245534015333155214543985723059039
Year
Income
unemployment
Unemployment rate
Affects of unemployment to housing market
Current unemployment rate
In 2007 the unemployment rate was over 4 percent but due to the affects of the market crashing and.
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.
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
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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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[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
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
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RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
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➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
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.
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
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2. Trends in Homeownership
Homeownership began to increase dramatically in the 1990s, reaching
Brush Realty
520 W. Valley Parkway
69.2%, a record level in 2004.1 Experts predict that the rate will decrease
Suite A
Escondido, CA 92025
to pre-bubble levels over the next few years. However, some have argued
that a rate in the lower 60th percentile is closer to the ‘natural rate.’2
760-473-7172 81% of adults view homeownership as the best long-term
Karen Schwan
investment they can make.3
karen@karenschwan.com Home Buyer Demographics
www.karenschwan.com
While married couples and those over the age of 35 continue to comprise
Homeownership Rates (1900-2010)4 the largest share of home buyers, single women and men, particularly
those under age 35, have been gaining ground over the last decade. In
46.5% 1900 2010, 20% of home buyers were single women and 12% were single
men.5 Additionally, 36% of buyers were under the age of 35 in 2010.4
45.6% 1920 Nearly 26% of this demographic has developed favorable views of
homeownership over the last six months.6
43.6% 1940
Due to increased affordability, 25% of people under the age of 35
are planning to buy their first home within the next few years.5
61.9% 1960
100%
64.4% 1980
80%
66.2% 2000
Homeowners
60%
66.9% 2010 by Age Group 40%
Under 45-54 55-64
35-44
35
Sources: 1) Federal Reserve Bank of San Francisco
2) The Atlantic, November 2, 2010 20%
3) Pew Research Center Survey, March 15 to March 29, 2011
4) US Census Bureau Source: CNN Money,
5) National Association of Realtors November 2, 2010 0
6) San Diego Union Tribune, February 9, 2011 39% 65% 73% 79%