Housing Term Papers Samples For Students

Housing price bubble refers to the situation where, there is a speculation regarding the price increase of the property and the supply is limited. The prices of the house start to rise due to short supply and remained high for a reasonably long period. At the same period, speculators enter the markets and the demand further goes up. At some point of time the demand is static and somehow supply is increased which results in lowering back the prices to significant levels and the bubble is busted .
There is a general opinion that FED was responsible for the housing price bubble. ...

The housing bubble and its subsequent burst in late 2006-07, were cited as one of the primary reasons for the financial crisis of 2007-08 that left the whole global economy in tense situations. In the US alone, millions of people went homeless, and thousand of real estate companies were having unsold homes and commercial properties. The financial pundits and researchers blamed the easy financing and relaxed regulation on the financial sectors that fed into the bubble, allowing it to grow to proportions and such level, from where it was not possible for the federal system to save the economy ...

In United States of America, almost 3.5 million people are homeless every year and strikingly, over 1 million of them are children. The homeless people have to sustain facing the brunt of the hardships of life. Those people who sleep in shelters or on park benches are homeless. It can also be the case that a person is homeless, though he or she has employment. Such individuals would be seen lodging in hotel rooms or sleeping at their friend’s place. People who are homeless have no relationship with their family and are left to toil their way through life ...

Executive Summary

This paper is aimed at discussing the Housing Crisis in the USA during year 2007 and it’s after effects. This paper starts with a brief introduction of the topic and then proceeds to the causes which lead to the housing crisis in USA during year 2007. After discussing the causes of the crisis, the early stages of the crises are briefly described which is followed by the actual development of the crisis. The effects of the crisis on US economy are mentioned afterwards which is followed by a brief conclusion of the paper. This paper has been prepared using several ...

Abstract

A wide range of health conditions are associated with poor health conditions.(Jackson, R. & Kochtitsky, C.2001). These health conditions include but not limited to infections such as respiratory infections, development of Asthma, poisoning, injuries together with mental health. In addressing housing issues is a very good opportunity for the public health practitioner to solve a social health problem in the society. The built environments in which we create as human beings have major influences in the natural environment as well as human health and the economy. (Allen, E, & Iano, J.2008). The body which has really dealt with housing health issues in ...

Introduction

Real estate economics entails the use of economic analysis techniques to determine the trends in real estate markets. The underlying objective of real estate economics is to offer a description, explanation and a prediction of the trends of demand and supply in real estate markers. This denotes the significance of analyzing the impacts of structural and business factors on the trends of real estate market. The most significant factors that influence demand in real estate markets are demographic factors. However, there are other factors such as levels of income, credit availability, and preferences of the consumers, price of housing substitutes, and ...

According to the first scenario, Sowell talks of the housing boom, which affected most parts of the United States. Peculiar situation arise which changed housing economics in the United States for the first time- ever increasing supply of housing units. The reasons, notes the author was the fact that the mortgages were unregulated, making it easy for most people to enter in to the housing business.
The drop in interest rates of mortgages in this scenarios, also lead to the housing boom. Individuals who never had sufficient collateral were also allowed to get subprime loans. The issue was ...

The housing sector in the United States of America is undergoing one of the most difficult times in the American history. The situation has become a real problem to the nation, to an extent that it has been classified as a major economic bubble1. The real cause and the direction of the situation is one of the major economic hurdles facing the United States of American today. It has affected many parts of the United States since it started occurring in 2007, while other parts are feeling the effects2. The situation has led to a decline in the number of potential buyers ...

The US Subprime mortgage crisis was a banking and financial emergency situation that led to a recession not only in the US but spread to many parts of the world. The disastrous effects of a crisis in the domestic subprime market on the rest of the world beg questions about the interconnectability and interdependence of the international economy as well as the financial institutions. The international financial crisis also revealed how vulnerable the global financial system was. Not only did the subprime crisis have a direct effect on global markets and countries that held a huge number of US mortgage backed securities and were ...

Introduction

San Antonio Housing Authority was established in the United States to provide safe, decent, and sanitary housing for the low-income earners within the cities. The authority is committed to the mission of providing quality and affordable housing that is well blended with the status of the neighborhoods. It serves as a background for improving the lives of the people living in the cities by making them more independent. The San Antonio Housing Authority is considering developing a human performance technology plan to address the issue of human performance gap within its departments. Human performance technology plan is meant for ...

PART 1:

Using the draw tools in Word, show what happened to the demand for housing by drawing the demand for housing in 2005, 2006, and 2009. This means you draw lines for the demand and supply of housing in 2005, 2006, and 2009 to the supply and demand graph and match what happens to the price in those years with what is show in the chart. Explain what caused demand to change over this period.

The graph below shows the demand of housing in 2005, 2006 and 2009 and how the price fluctuates.
The demand for houses rose rapidly during ...

Introduction

In the current investment industry, real estate is considered as one of the most viable investment. Real estate investment offers a lot of benefits to the investor and is considered to have a very bright future.
Basically, real estate is defined as “any interest on land”. The interest can either be a leasehold interest or an ownership interest. In the case of ownership interest, the owner or investor has full land ownership rights and, at the same time, assumes the responsibilities and risks associated with the ownership. The ownership rights include the legal use and transfer of title of the land ...

Introduction

It is not secret that there is still racial inequality within society. The mass migrations to cities have left many neighborhoods overpopulated, destitute, and families mainly minorities, left holding the bag. The progress of urbanization has led to many positive and negative aspects that affect every member. As life expectancy increases, people will naturally migrate from rural areas to urban areas where there is more opportunity for sustainable living. In essence the concept of participatory design has emerged from urbanization, a tool implemented in order to include community involvement in urban planning and development. In the matter of Atlantic Yards ...

Thesis

The global financial crisis was a period during which downturns were experienced in the stock markets, economic activities as well as losses in the housing market all over the world. During this period, banks had to be bailed out by national governments and consumer wealth declined significantly. The result was a major recession between 2008 and 2009 .
This paper looks at the global financial crisis in the world, its effect in the US and measures taken by the US to manage it. This financial crisis was experienced in the world in the late 2000’s and the US was hit ...

Introduction

In this paper, I am going to show the effect of school quality on price of housing in the metropolitan area. In the next paragraph, I will conduct a literature review on the various factors that influence the choice of schools by parents and the value of the residential property. In the next section, I shall discuss hedonistic pricing model that can generate effects of school quality on house prices. I will analyze the data collected, explain the method of data collection and discuss the results obtained in the study. The last section is the conclusion of the study.
...

Introduction

The year 2007-08 brought nightmares for the US economy and its participants because least anyone had expected that the world’s biggest economy will cripple and face the worst ever recession after the Great Depression of 1929-1930. While Wall Street lost more than trillion dollars in value, thousands of Americans were left unemployed and the businesses, even the one who had more than 100 years of their presence in the United States, were filing for bankruptcy. On the other hand, Federal Reserve Bank, which once cited economic bubble as the natural event that cannot be prevented( courtesy the ideology ...

This study attempts to show the close connection between the quality of schools and residential property values in the metropolitan area. In as much as the quality of education has been integrated into pricing models of residential property, other factors such as the close proximity to each school where the house is zoned and certain neighborhood characteristics have been found to have an impact on property house values. The closer proximity to schools has a positive value to the house prices while an increase in the distance has a negative impact. The quality of education at all levels (elementary and high ...

Arguably, 2000-2009 was the most difficult moment in the world economy. The financial crisis that took place in United States and the world became the worst financial munch to ever occur in the world. The financial crisis took place in the late 2008 at a remarkably speed, whereby most economic factors were fully disturbed. Mortgage-related securities, which had fully spread in United States as well as global financial systems collapsed. As a matter of fact, this crisis undermined several largest and renowned financial institutions in United states and the world. Additionally, the crisis damaged stronger economies and financial systems in the ...

Form of Government and Structure

A close analysis of New York City shows that it utilizes a mayor-council system form of governance. The fact that New York City falls is structured under the City Charted offers a comprehensive platform that enhances the success of mayor-council system of governance. Another crucial factor that is worth noting with regards to New York City’s government is that it is more unified than any other U.S. city. This is evident by the fact that the city’s government coordinates a wider array of matters regarding public education, welfare services, water supply, public safety, sanitation, recreational facilities, correctional institutions, as well ...

Abstract

In the past, the international financial markets have had diverse ways and means of achieving their financial satisfaction and objectives based on different operation platforms. For this reason, there arose challenges with integration of different financial systems without a common platform. This led to most countries modifying their models of international finance for them to remain competitive in the market as well as possibilities of investing in new markets and having investors from anywhere in the world invest in their financial system. For example, Japan’s - GAAP financial system has in the recent past been harmonized with that of ...

Introduction

New Urbanism is an urban planning concept which promotes walkable neighborhood design. During the early part of 20th century American urban areas started seeing a population boom as many people emigrated from other areas to stay in the cities. This necessitated the state and city council to design and develop urban areas in such a way to accommodate more population and use lands effectively. During that time automobile also came into usage. Cities planned during and after World War II were highly influenced by the revolution of automobile and were less concerned about land usage. Automobile helped design bigger cities. Before ...

Introduction

The initial development of industrial ecology involved the concept of basically studying the interrelationship between the industrial and ecological systems, however gradually with time this has come a long way as now we realize the importance of maintaining the ecological systems and considering the other environmental like the green house effect and other factors have made us realize that we need to strictly look into the flow of energy and materials to improve the industrial metabolism and waste management.[ CITATION Coo05 \p 52 \l 1033 ]

In this paper, we will look at the life-cycle of energy consumption and the specialization will ...

Introduction

This term paper is completed to show the understanding of the statistics and to demonstrate the application of probability theory to a real world problem. The aim of this research project is to pick a data set that most closely ties my chosen field and perform statistical procedures such as descriptive statistics and statistical inference using the selected data. Since my field lies in the area of sales, real estate and business administration, I selected the Goodyear Arizona Real Estate Sales Data.
The main research question I will investigate in this paper is: what are the factors that have ...

Inflation in USA

Inflation in US
Introduction
Inflation refers to the rate at which the country is experiencing the general increase in prices of goods and services. When the rate of inflation is high, the purchasing power of the country’s currency will be low at the same time. This will comparably imply that higher amount of money is needed to purchase items that had been previously purchased at lower amounts of the same currency. The country’s currency would have lost the real value as a unit of account and as a medium of exchange of the economy. The chief measure ...

A Comprehensive overview

[Author Name]

Financial Crisis

Introduction
It’s of imperative importance to understand the link between financial system and the economy. According to various economists, it is gauged that there are two primary function of finance. As mentioned in The Economist, it essentially performs as an economic time machine, serving savers to haulage their present surplus income into the future, and on the other hand offering borrowers access to future earnings now. Finance also serves as a safety net, protecting against catastrophic unforeseen events. Hence, by performing these two acts, an efficiently running financial system ensures against the bumps in life, providing ...

Introduction

A community is a group of people who live in one place and also share characteristics. A group of people who form community may either be living in the same neighborhood, city or even town. Members of the community may have a common interest, come from the same race or even share the religion. The fact that people have common interests makes them appreciate one another as members of the same community (Garcés and Martin, 2009). Since the community is made up of people who have a common interest and come from the same geographical region, it is important for the ...

Introduction

Urban planning is a dynamic profession that deals with improving the welfare of people and their communities by creating more equitable, convenient, efficient, healthful, sustainable, and attractive places for present and future generation. Planning enables businesses, citizens, and civic leaders play a significant role in creating communities that enhance people’s lives. Effective planning has the potential of creating communities that offer better choices for how and where people live. Good planning helps communities find the right balance of essential services and new development, innovative change, and environment protection. However, planners usually come across various issues when it comes to planning. ...

1. Importance. Domestic policy is like a patchwork of various issues, each of which demands scrupulous governmental action. Today I would like to focus on one of extremely important public policies, which unfortunately seems to be underestimated nowadays.
In particular, the issue of homelessness evokes, on the one hand, serious anxiety in statesmen as well as in common people, whereas, on the other hand, it is simultaneously concealed and ignored. The reasons of such ambiguous attitude is that society either estimates homelessness as relic of the past (allegedly, contemporary governments have more important issues to care about – e.g., terrorism, ...

Abstract

This section provides a detailed analysis of the regulatory environment of the Canadian Banking sector, and the risks inherent to the financial sector. The 2007/08 global financial meltdown caught many financial institutions in developed markets unawares. The crisis led to the liquidation of many banking institutions, especially in the USA and other parts of Europe. However, the Canadian banking system remained resilient to the negative shocks, as no single bank in the country was bailed out or experienced risks of failure. The resilience of the Canadian banking sector portrayed the strength of its regulatory environment. Although the crisis did ...

Social Class and Education

Social Class and Education

Introduction

There is an increasing population in many regions of the world today. This increase comes with an increased diversification in the major sectors of the world including the political, social, and economic sectors. This diversification in these sectors contributes to the rapid development of social classes in these regions. The social classes are the various groupings in the societies with which particular individuals identify themselves. On the other hand, the increasing globalization and challenges in various political, social and economic segments have promoted the increase in the levels of education in various regions around the ...

Business Process Model and Use of Technology Assessment at Catholic Charities

The Catholic Charities of the Diocese of Arlington is a human services organization commissioned by the Catholic Church. The Catholic Charities Organization is tasked with the role of spreading the gospel to over twenty one countries worldwide and more than six independent cities to the northern part of Virginia through charitable actions and programs to the poor and vulnerable. It has a working force of more than 100 specialized staff and over 1000 volunteers all situated at different sub-branches and offices within different parts of the countries under which it operates who monitors the running of its programs which have integrated a ...

Third Round of Quantitative Easing (QE3)

QE3 or the third round of quantitative easing is a central bank (i.e., Federal Reserve) open-ended bond-buying policy directed towards lowering the interest rates and mortgage rates to stimulate demand in the economy. The QE3 in the US that started on September of this year involves buying of mortgage-backed securities (MBS) worth $40 billion every month. This is done by injecting a pre-determined quantity of newly created money in the economy through the purchase of debts (bonds) from banks.
The graph shows what’s happening in the bonds market with the QE3 policy of the Central Bank. As the government ...

Abstract

Since 2007, the European markets continued to experience a decline as several European nations had felt the consequences of applying the unstable Euro into their countries that had influenced the nation’s economic instability as seen in the case of Greece, Ireland, Italy, Spain, and Portugal. In recent news, the European debt crisis continues to prevail as the Eurozone reaches its all-time low for the past5 years as both strong and weak European markets now enter a state of recession that affects the entire world market. With the current European Debt Crisis continuing to influence the European markets, the United States may ...

An overview of Spain

Spain is a sovereign state located in southwestern Europe on the Iberian Peninsula. The country which is officially known as the Kingdom of Spain is bordered to the south east by the Mediterranean Sea, by France and Andorra to the north and by Atlantic Ocean and Portugal to the west. Spain covers an area of 504,750 square kilometers (194,884 square miles) including Canary Islands and the Balearic (Worldwide Governance Indicators, 2011). It is the second largest country in both the European Union and Western Europe after France. In Europe, it is the fourth largest country after Russia, Ukraine, ...

(Tutor’s Name)
(Assignment)

Introduction
US has been the center of the global economy for the past several decades, and hence decisions taken by the U.S government can have significant impact on the rest of the world. In the same manner, the monetary policies formed by the Federal Reserve (FED) – the central bank of the United States –influence the economic policies of other countries worldwide. Therefore, central banks worldwide are closely monitoring the moves of the FED so as to make timely adjustments to their economic and monetary policies. The U.S economy was severely hit by the global financial ...

Business

Financial Analysis
The financial condition of the company, which is evident from balance sheet, income statement, and cash flow statement, is indicative of the fact that the financial strength of the company is satisfactory. The horizontal analysis of balance sheet of Lowes Company is also showing improvement in performance of the company. Such as it can be seen from the Horizontal and vertical analysis that account payable of the company has increased, which means that there is improvement in payment of debts, and total shareholder’s equity of the company has also increased. Similarly, the horizontal analysis of income ...

Introduction

Money plays a vital role in the determination of income and employment . interest rate are a significant determinant of aggregate spending ad the Federal Reserve which controls the money growth and the interest rates is the first institution to be blamed when the economy of in trouble. Now the question arises what is money.

Money Definition

Money is a medium of exchange. Money is divided into commodity money and token money. To some economist there is difference between commodity money and token money. A commodity money is a medium of exchange which has a commodity value as distinct from a value ...

Travelling to another planet is referred to interplanetary spaceflight. The term is usually used when travelling to a planet within the same planetary system (Fisher 1). The human race has made tremendous strides in space exploration. Man has made it to the moon and back, which was a great achievement for science as well as the human race. Man may not have stepped onto another planet yet, but significant achievements have been made in interplanetary exploration. There have been explorations using probes that have flown by every planet in the solar system. The New Horizons recently flew by the ...

One of the most imminent threats of the 21st century is the growth and expansion of extremist organizations. Extremist organizations threaten the peace, security and economy of the entire world because of the sophisticated manner in which they carry out attacks anywhere in the world. One of the impacts of the continued growth of extremism has been the Syrian refugee crisis that bugs the Middle East and the European regions.
The continued attacks on European cities by terrorists have however thrown the refugee problem into a whole new dimension. Attacks such as those experienced in Brussels and Paris heavily ...

Shadow banking, as an economic phenomenon of recent years, should be viewed primarily in the context of changing economic conditions. Today, a new global macro position is a post-crisis pause of rapid growth of the world economy, the consequence of which is fixed to the long time the situation of general uncertainty in the economy. In the context of the changing global macroeconomic conditions, the problem of shadow banking and its regulation is relevant. The topic deserves close attention from the perspective of scientific and practical understanding of this phenomenon. Shadow banking is a financial market segment, operating outside ...

- Ayala Land, Inc. Company Description
Ayala Land, Inc. (or ALI for short) is the largest property developer in the Philippines. It is a fully integrated corporation that performs master-planning and development roles for mixed-use developments that include residential, retail, commercial, and hotel among others. ALI was incorporated in 1988 and offered shares to the public in 1991(the company was listed in the Philippine Stock Exchange or PS) in that year). Since then, ALI has been the leader in strategic land bank management, in development of properties for residential, retail, commercial and other corporate uses, and has developed a ...

There are a number of theories applied in sociology that help determine the social aspect of human beings in terms of their experiences. These theories include: conflict theory, feminist theory, sociological theory just to mention but a few. These theories define the interaction of social groups and helps evaluate their experiences in terms of race, gender, ethnicity and social class. These issues can be observed through various sociological perspectives such as functionalism, conflict theory and symbolic interactions (Leger, 2003). Therefore, the focus of the paper is assessing two ethnic communities in the United States in terms of race, gender and social ...

The city of Richmond, California, has proposed a policy that would entail the use of eminent domain in acquiring the mortgages paid by its residents. Mayor Gayle McLaughlin based her policy on the premise that many residents of Richmond have been suffering from massive homeowner debt brought forth by the decreasing value of houses. Many residents in Richmond have yet to settle their mortgages, many of which are much more expensive than the actual value of their homes and thus called “underwater mortgages”. Mayor McLaughlin explained that the use of eminent domain by her office would greatly benefit Richmond, which ...

Community Health Nurse

Introduction
A community is defined as a group of people that work, live and play in a particular environment at any given time. This group of people share common attributes and interests. Therefore a community assessment can be elaborated to mean the process of collection, analysis and use of data to facilitate a change in the collective health of a community. The process involves developing proprieties, assemblage of resources and the elaboration of a plan of actions garnered towards the improvement of the health system of the community.
In this paper, a community health assessment would be done in the Scarborough community in Toronto ...

English:

English Essays
Part One: Editing
Standing in her kitchen in downtown Toronto, Chopping vegetables for dinner, Pat Guillet was aware she was entering a battleground. "Whenever you go grocery shopping, or into your kitchen, you're in a war zone you have to really be prepared before you go in," she said. She decides, in advance. Exactly what she is going to eat, and she forces herself to stick to the plan. Because she knows she is just one sweet mouthful away from a descent back to hell Pat Guillet is a food addict. "I ate to the point it hurt to ...

Introduction

Asians Americans are those members of the American population whose origin can be traced back to the Middle East and Asia as a whole. It is pertinent to note that this group of the American population identifies itself as Chinese, Indian, Filipino, Japanese, Korean, Vietnamese and many other Asian affiliations . It is, therefore, clear that Asian Americans are drawn from various national backgrounds. Consequently, these immigrants speak a variety of languages and conduct practices that give them a cultural and social identity. This paper seeks to highlight Asian American immigration trend, challenges and contribution to the wider American society.

How Asian Americans came to the United States

The people who ...

The African American community forms approximately 13% of the United States population. This makes them a minority group. This has led to them being ignored politically and economically for a long time. They are consistently plagued with severe economic and political challenges that leave the community languishing in poverty and disparity. The situation in Miami-Dade is no exception. The reluctance of the government to reverse the harsh factors that led to the severe consequences of ‘Brain Drain’ which has made the African American population prone to suffering severe consequences for lack of political and economic muscle. The situation has not been ...

Abstract

This paper considers the various likely causes of violence and violent behavior within prisons. The causes discussed include overcrowding, boredom, drugs, the gang culture within the prison population, and sexually-originated violence. In addition, the paper discusses two theories that suggest: 1. that the violence can stem simply from the inmate’s psychological reaction to being transported into the restrictive prison environment (the deprivation theory); and: 2. that individual prisoners bring their existing violent nature and characters in with them from their former existence in the community (the importation theory). In addition to discussing the causes of the violence, the ...

The current economic crisis has been unanimously and officially declared the worst since the great depression period of the 1930s by Wall Street, media, economists, other scholars and the government. This financial crisis has busted several highly reputed financial institutions of America, like Lehman brothers, Washington mutual fund, AIG and Merrill lynch. Some of the financial institutions have declared their bankruptcy while others are comforted by the federal government and received heavy bail out packages. The story of other sectors like manufacturing, retail, consumer goods and automobile is not much different and they are also facing the heat. If ...

Homelessness

The key definition of the homelessness has been quite skeptical, with a lot of discrepancies and varied number of ideologies, ascribed to categories used in classifying the homeless, and aspects that contribute to homelessness. According to Ravenhill (2008), homelessness can be defined as the settling of families in precarious housing or temporary accommodation, with an exception of single men who are depicted as rough sleepers. In tandem to this, there a plethora facets that cause homelessness, and they comprise of; personal factors, natural disaster, social factors and downturn of the economy (Larkin, 2009). The homeless population is composed of different people, ...

The end of the Civil War saw an end to slavery, allowing enslaved African-Americans to become freedmen, and with that came many rights they had heretofore been denied. Some of these rights were a promise to freedmen who fought for the North to get “forty acres and a mule,” a phrase referring to the allotment of land and property for any black American who enlisted for service in the Union army. After this point, Reconstruction occurred, a time of strife and great adjustment for a healing nation. Despite the freeing of all African-Americans from slavery, they still had significant struggles getting the land they ...

Abstract

Before making any decision on the choice of an investment plan, it is very important that the individual carries out an intensive evaluation on the available investment options. Real estate is a very significant part of investment portfolio due to its numerous advantages and the les associated risks as compared to other forms of investments. As a Personal Retirement Plan, I opt for real estate. In this work, I have thoroughly investigated the theories and literature on real estate as an investment plan, and examined the both the benefits and the risks associated with such kind of an investment. There are ...