The Perfect Storm – The Rise and Fall of the United States Housing Market

As we approach the end of 2009 and look ahead to the coming year, we continue to keep our eyes fixated on the optimistic horizon of our financial futures hoping to dissipate the recent memories of the turbulent past. These traumatic recollections are primarily associated with the collapse of the U.S. housing market which triggered the current economic recession that our country is still desperately trying to dig itself out of. This hurricane of eroding property values started to come onto U.S. shores in the beginning of 2008 and continues to wreak havoc into this present day. Now as we look back in time today, it is almost impossible to not know someone who has not been adversely affected by the housing market meltdown in the United States.

A financial storm of this magnitude did not form overnight. There were many years of reckless spending, poor financial planning, and irresponsible lending that synergistically blended together to create this potent financial catastrophe. To simplify things however, the crux of the blame can be cast upon three equally contributing parties: greedy lenders and naive buyers. These two factors combined with a lack of financial oversight by the federal government and affiliated regulating agencies formed into what could best be described as the “perfect storm” scenario.

The initial events that set into motion the collapse of the domestic housing market began immediately following the tragic events of September 11, 2001. Just one year prior, the federal funds interest rate which establishes the baseline for lenders borrowing from one another was 6.50%. The terrorist attacks on 9/11 prompted the Federal Reserve to start slashing interest rates in fearful speculation that awful financial repercussions would quickly devastate the economy.

As the federal funds rate continued to be reduced down to 1.0% over the next two years, this provided a catalyst to home builders and developers as they increased land purchases and started massive residential and commercial housing projects. During this same time that interest rates were being reduced to historic lows, members of congress were coercing the executives overseeing the giant lending institutions such as Freddie Mac, Fannie Mae, and many others to extend their lending policies beyond their normal credit worthiness limits so that consumers who would not normally qualify for a mortgage could achieve the American dream of home ownership. To appease these new found congressional pressures, lenders soon devised up new hybrid and exotic mortgage financing schemes. These new financing options featured adjustable rate mortgages with no money down requirements, and loans that financed home loans for up to 125% of their appraised worth with the naive thought process that property values would continue to increase indefinitely into the foreseeable future.

All of these converging forces united together to form the “perfect storm” that struck the U.S. housing industry with full force beginning in 2008. Soon many of those buyers who were enticed by the attractive financing options ended up as disheveled victims similar to those homeless survivors displaced after a tragic hurricane strikes. Those teaser mortgage rates which persuaded millions of home buyers and builders to spend beyond their means would soon skyrocket upwards as the Federal Reserve began to understand what was taking place and would try to counteract the financial chaos with series of organized interest rate increases. By this time however, it was too late to escape the impending doom.

This devastating combination of greedy lenders, naive buyers, and federal regulating agency members asleep at the switch undermined the very foundation of all of the housing growth that had been constructed over the previous years. In the wake of this storm’s aftermath were especially hard hit areas such as parts of California, Florida, Nevada, and Arizona where overbuilt communities and speculation reached extreme levels.This grossly unbalanced financial leveraging scenario between the buyer with little to no equity down and the fully financed lender couldn’t last forever and it didn’t. Buyers soon wanted no part of rapidly depreciating neighborhoods and sellers flooded the market but no one would come to their rescue and many of them were forced to go belly up into foreclosures or short sales if they were so fortunate.

The rest as they say is history. A recent Zillow study of Floridian residents showed homeowners who purchased their home in the last two years ran a 77% chance of their mortgage being upside down. This is only a small fraction of the devastation that has been cast across the country. Let’s hope the worst is over.

Online Course Registration Software = User-Friendly + Paperless

Online course curriculum and assignments are no different from a traditional, on-campus course. However, the only difference lies in the fact that students can enroll in an online degree program; plus study from the comfort of their homes without taking the pains of traveling all the way to the institute. In a sense, people who have difficulty traveling or the ones working full-time find online courses to be an advantageous opportunity to continue with their education.

The online course registration software is usually explored by schools and colleges imparting distance education. The reason is the convenience that it provides when it comes to registering for a class. Potential students can easily submit their names and such other personal information required to be inserted in the sign-up form from any place and at anytime, 24/7. Thus, with the online registration system in place, there is no need to be in a hurry to reach the campus on time just to complete enrollment formalities at the institute.

Course registration solutions are available at differential prices; however you can always decide to use a Cloud-based service since that requires just one time activation fee and the company representatives will come to show you how it works. Thus, no technical staff is required; plus you can easily learn to operate the system without facing any major hiccups.

Cloud-based course registration systems let you create registration forms online. You get to choose a template from the series of built-in templates available, as well as customize the forms by adding your school emblem or images of the school building, children studying, etc. After creating the forms, you can instantly publish them online for interested candidates to access the same and register their interest at their convenience. There is absolutely no need of paper usage for this kind of registrations and thus a potential learner can easily edit the information he/she has inputted in the form with a few mouse clicks. Submission is also just a mouse click away after you complete the form.

Most online course registration software comes with the following additional benefits:

· A person can complete the registration process on behalf of a group

· An integrated online payment solution to pay fees at the time of signing up

· Emailing solution to send out multiple emails to individuals or associations requesting them to register or donate towards various school activities

· Maintaining a waitlist to ensure maximum attendance at every class and fill up seats due to cancelled registrations

· Connecting to social networking websites by posting upcoming class news and updates on Facebook, Twitter, LinkedIn

· Allowing users to share the class registration links, emails, etc. on to the target audience’s Smartphone directly

Picking the Best Online Courses to Further Your Career

Whether you are just starting out in your career and you are looking to acquire a Bachelor degree or should you be further along within your career and you want to get back to school to have some additional classes you have to consider attending an online college. An online college degree will provide you with the tools, skills, and abilities to stay relevant and in advance of your competitors. The benefits of an online education are huge.

You will find there’s pretty good possibility you will pay a reduced amount of to take online courses than if you take courses in a traditional school. There is the comfort of attending your online college courses when you want. There’s no mandatory attendance policy so it’s up to you when you want to sign in and complete your course work. There is no boring professors that will put you to seep as you sit in their lecture hall. Instead, you are assigned challenging and stimulating material which is delivered in a electronic format right to your house or work computer. The best thing about online colleges is they work at your pace and so they mould to your ease and comfort. You could get an online college education without ever leaving the comfort of your home.

If you are looking to go back to school, earn your degree, or start a totally new career than an online college education really should be your number 1 choice. Should you opt to go this route you will want to make sure that you re picking the absolute best online courses that may help you further your job, you may be just starting out or if this is a decision that has come after many years of thought. You really need to start out by taking your basic level online courses. This will include basic english, math, reading, and statistical skills. Each of the skills taught through these classes will assist build a foundation for the coursework and the degree that you’re going to eventually attain. These courses will also help prepare you for the challenging career field which is ahead of you.

After you have gotten beyond the basic courses you can be moving on to the more challenging courses. These may be called mid level courses and they are generally exactly what they sound like. They are not your most challenging classes but they are a large step up from your basic classes and they’re going to help prepare you for the classes you will have to take to accomplish your online school. These mid level classes will probably be where you make sure that you are at the ideal online school and that you are signed up for the appropriate academic program. It’s not too far gone to modify now and you will not fall too far behind if you opt to change now. If you wait to change until you enter into the more advanced classes then you’ll really put yourself behind and you may wind up spending money on a lot of worthless classes. This is when you should make that important decision.

An online course that deals in general education for instance a beginning level math or a beginning level English class provides you with the essential foundation you will need as you further pursue your education. The beauty of online colleges is they permit you to have a great basis for your education or your career while enjoying the ease of taking online college courses. An online course in general education will give you the various tools you’ll you will need to help expand your career. It doesn’t matter if you take these courses from online schools or not, the skill sets you learn will assist you in the career. You’ll learn time management techniques, study skills, research skills, deductive reasoning, and the ability to question yourself. By taking general education classes at online schools you will also learn writing skills that you can carry along for your entire life. Your career will reap great rewards from these skills and lessons learned while attending a top notch online school. It must come as no real surprise why these include the fastest sort of classes on the planet on earth on the globe on this planet in the world.

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