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.

Beware! MLM Home Business Pitfalls of Building Online

Too many people these days become obsessed with building their MLM home businesses online, which more often than not results in their business dying!

Now don’t get me wrong, I think the internet is a great tool that everyone should be using to an MLM home business, or any business for that matter!

Am I talking out of both sides of my mouth?

No. Let me clarify (don’t you just love riddles?:).

Here’s where the problem lies: most people when they learn about online marketing go into “get-rich-quick mode” thinking that NOW they have finally discovered the SECRET that’s going to build their business automatically for them and make them rich overnight! All logic and reason goes out the window because they heard about some guy who went from homeless to millionaire in a weekend using the internet. That person therefore who may have been struggling and beating their head against the wall to grow their business suddenly finds out about this new previously-unknown-to-them “magical” way to make their business really work and basically stops building their business to become an online marketing guru/genius.

Of course, they don’t mean to put their business on hold but what they don’t understand is that – like any other great marketing approach or system – success won’t happen overnight, and they end spending more and more time learning and less and less time doing anything productive and guess what, their organization, however big or small, duplicates – they don’t do anything productive either…

Avoid the MLM Home Business Internet Trap

For most people, it may take 6 months and maybe longer to really master the different online marketing approaches necessary to create enough leads consistently – on a daily basis – where you no longer need to be prospecting any other way. Yes, there is always exception to the rule but when you consider the average networker only has a few hours a week to put into building an income from home, there isn’t much time left to learn these new skills and strategies. If you had 10-15 hours a day uninterrupted where you could study in a cave and really learn it, then yes, you could learn it much faster, in a matter of weeks probably, but that is very unrealistic for the average person, for the 80% of the networkers out there.

In order to create a growing, profitable MLM home business, you must be able to really connect with people.

Utilize the Internet for what it is, a great tool to leverage communications and marketing but don’t forget the fundamentals. This is a relationship business, and real relationships are built and maintained through communication.

Start slow when incorporating the internet, don’t go all in right from the get-go. Slowly start adding online marketing strategies to your existing business building approaches that are working. Perhaps setup a lead capture page to direct your suspects to – the people you need to sift and sort through to see who your prospects really are. Start communicating to your team with trainings and live presentations via webinar or online video format each week. Maybe setup a Facebook page to establish a basic online presence where you can connect with people and where they can go to learn more about YOU (again, people join people, not companies – don’t give out your company replicated website, give out your webpage, like your Facebook page to start) – you can also search for your prospects on Facebook and learn more about them as well.

Continue to build your MLM home business offline while also continuing to learn new ways of marketing and connecting online to create leads – but don’t sacrifice the offline activities for the online ones as you’ll only end up killing your business and having to start all over again. Anyone can begin an MLM home business from day 1 offline by keeping it simple and prospecting – simple, non-technical, duplicatable skills people have used and continue to use to create millions in their MLM home business (before there was the internet – or DVDs or cell phones even) and that anyone can learn.

But the same cannot be said for online marketing – it is a skill that must be learned, and although it’s becoming more and more necessary to have computer and Internet skills these days it’s still nowhere near as natural or common as talking with someone face to face, or even on the phone.

Again, the Internet is a great tool everyone building an MLM home business should learn and eventually master. But also realize that in reality it does take time, it won’t happen overnight. Also realize that people start and join MLM NOT because they want to push out the time frame to quit their job or retire or reach their goals but rather they join because they see it as a way to get there faster.

Therefore start with the offline methods and begin to slowly integrate your offline recruiting methods with your online generation efforts. As you begin to create more and more leads online you can cut back on your offline efforts or simply continue to both and make that much more money instead.

What duplicates duplicates

Again, your team will do what you do. If you focus only or primarily on online marketing so will your team and you will lose urgency and momentum and therefore substantial growth of your team due to the 3-6 month learning curve your people will have to overcome (plus you don’t want them getting distracted and only selling products and tools – no residual income, no leverage of people, no team, etc – big mistake!).

Why Build Your Own House?

Drive along the cities of the United States, and you will see commercial properties boasting real estates. They are stylish and commercialized houses sold at approximately a million dollars. Smaller and simpler houses can be bought for half-a-million bucks. Be that as it may, an average American would find it difficult to buy a million-dollar home. Real estates in commercial neighborhoods are generally expensive. Hence, most people prefer building their dream home instead of buying one.

Some say that building your own house is a laborious task; you need to hire architects and engineers to help you plan your blueprint. You need to elaborate details for house features, such as a number of rooms, dimensions, colors, and materials. In commercialized neighborhoods, all you need to do is to move in to your new home. It’s like browsing a menu catalogue in fast food chains and picking a meal when you have chosen one. When you build your own house, you have to do all the work.

Nevertheless, some see the benefits of building their own home. The focal point of building your own house is personal control; you are the mind, body, and heart of home-building. Hence, you can ask architects to enhance your home plan. More importantly, you can request engineers to implement good engineering techniques to strengthen the foundation of your home.

Aside from these, you can choose the location of your house. Sometimes, home buyers like the style and design of a house, but they do not like the neighborhood. When you build your own house you can personally choose the place for your home. You do not need to adjust for ways and traditions of a neighborhood. After all, you are the heart of home-building. You are the project manager of home construction.

Moreover, when you build your own house, you can personally handpick construction materials. You can choose energy-efficient materials for windows, doors, walls, and roofs. Through this, you can save energy, time, and money. Energy-efficient materials are a good and long-term investment for your home.

Everyone dreams of signing a real estate property contract. Before you contact your real estate agent, think about building your own home. Weigh the pros and cons, and see the advantages of developing your own real estate property. You can save a lot when you build your dream house.

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