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.

Commercial Air Conditioning – Glimpsing the Rise of the Machines

As with most modern conveniences, the luxury of in-home air conditioning arises from the demands of past commercial requirements. Beginning in the late 19th century, American engineers launched the first wave of commercial air conditioning equipment. Designed to control the quality of indoor air in humidity-sensitive industrial environments, early U.S. air handling devices came with incredible price tags both for installation and operation.

However, the potential of regulated heating and cooling quickly burst free from the confines of industrial-only application. By the 1920s, the usefulness of air conditioning technology had secured a place in the commercial comfort market.

Commercial Indoor Air Management Quickly Shifts Into the Comfort Zone of Indoor Air Quality

Shortly after the initial development for industrial purposes, the core concepts of commercial indoor air regulation captured the attention of retail industries, the indoor movie theaters and commercial landlords. Retail department stores also leaped in to reap the benefits of comfortable indoor living. Any business that could promote greater consumer spending by providing better consumer comforts acknowledged the growing value of air-conditioned structures.

But the cost was high. For forty-plus years, the benefits versus the installation and operational costs limited the mass use of residential HVAC applications. Commercial landlords running large apartment complexes could justify the expenses and an increase in rental fees. They dominated the A/C market – even over industrial users. Fifty years of commercial and retail control over indoor air quality management usage shaped the technical development, marketing practices and pricing of the heating and cooling industry.

Regional demand and the size of the available marketplaces established the rate of diffusion. Economic conditions clearly defined the primary force behind the development and deployment of air conditioning technology. A focus on short-term profits often overshadowed the profit potential associated with modern residential HVAC sales, installation and services.

In a 2010 white paper released by Jeff E. Biddle from Michigan State University, the author presents three economic factors that played a major role in the diffusion of commercial air conditioning equipment. The issues, according to Biddle are as follows:

  • Factors directly pertaining to a firm’s concept of how air conditioning could influence consumers to place a preference on said vendor’s products or services
  • Profit margins when aligned with market and industry characteristics that promote an increase in product or services demand
  • And the costs for HVAC installation and operation.

In the pre-1960s, the acquisition of retail, industrial or commercial air conditioning equipment involved a serious balance between expense and the practical relationship between the goods or services being delivered. In essence, business installation of heating and cooling equipment set a heavy focus on how long a consumer could actually enjoy the benefits of managed indoor air quality. Thus movie theaters, restaurants and commercial housing developments gained the greatest return on investment.

Climate – A Driving Force Behind the Growth of Residential Heating and Cooling

As written in a 2009 report prepared by The Edison Foundation, the U.S. consumption of electric energy has quadrupled since the first study performed in 1940. Furthermore, the study defines electric energy as a “key driver of economic growth and productivity.”

By taking advantage of the data collected via the 1940 Edison Electric Institute survey, Biddle crafts a convincing argument concerning the relationship between demographic characteristics, economic conditions and regional climate. The correlation between the growth and application of modern day air conditioning and global warming cannot be ignored. Furthermore, the expansion of HVAC installation directly relates to the previous and current cost of electrical energy.

It began as an industrial project, but commercial air conditioning has given rise to a new type of machine. It’s not a terminator of people, but rather a terminator of rising energy costs. When installed correctly, modern HVAC equipment can reduce your electric bill, provide better heating and cooling services at lower costs, and reduce the environmental damage that continues to create extraordinary global climate changes.

4 Things You Must Know About Online Courses in Networking

One of the biggest myths about online networking is that this technique to earn money is time-consuming. The truth is that before courses in networking were offered, it did take people a lot of time to use this method to earn money mainly because most users did not have the required information and various tools to get maximum results with online networking. However, these days, courses in online networking and various resources such as online tools have helped individuals achieve their goals in just a few days. Listed below are 4 things you must know if you plan to do a course in networking.

#1 – Contrary to the popular belief, online courses in networking are actually helpful. These not only offer information on the latest networking strategies but they also information on how to earn money by working from home. These provide information on the right way to build contacts, the right way to use various resources and how to use tools that you may have to get contacts. In reality, these do a lot more than just to help earn quick money. They help people with certain skills, use these skills to develop a career in the networking field.

#2 – Courses that are offered online are not time-consuming which means that you can complete these with ease in your free time. Those who want to opt for these are generally recommended to study 1 full module a day however, this is not a must.

#3 – Good networking courses teach people how to earn money by getting contacts without sitting in front of the computer at home. Good ones teach various strategies through which individuals can go out of their house or complete other tasks while they get contacts online. Also, these help beginners understand how online networking works, how to make most out of the resources you have and how to get contacts in less than a week.

#4 – There are various websites that offer networking courses and some of these websites are not worth investing time or money in. People who are interested in building a career in networking should look for those that offer definite goals. Good courses usually elaborate on what can be done by completing it and they also elaborate on what study material will be offered if the person opts for it. The best courses in networking offer no questions asked money back guarantees since they are confident that the material they are providing will definitely help you achieve their goals in the given time frame.

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