Nation Wide Realty
Mainstream urban and real estate economics tend to ignore the supply side of the economy and to undervalue the significant role that the property market plays in the economic development of cities.
The Economics of Urban Property Markets is a cohesive analysis and synthesis of a wide range of factors that determine the regional development of cities. The book draws on institutional economics to explore the mechanisms, processes and dynamics through which the built environment is provided, and considers how these affect urban economic potential. The author advances the argument that the property market as an institution is a mediator through which economic potential can be realised and served.
This book is an invaluable resource for all students on urban and regional economics and built environment courses.
Apart from being literate it is also important to be "financially literate" because 2/3rd of our lives is spent on earning, spending, saving and investing, for ourselves and for others. Given the uncertain times that we live in depending on bank fixed deposits, gold and/or real estate to build our wealth or reach our financial goals would be a futile attempt. It is time that we start looking beyond the obvious and start educating ourselves with the all important knowledge of managing our finances by understanding the opportunities. If we ignore or shy away from acquiring such knowledge there would be no one to blame except ourselves. There are several myths, misconceptions, prejudices and fear surrounding various asset classes that includes stocks, mutual funds and insurance which this book, stories weaved through conversational mode, endeavours to clear the haze by offering clarity over financial instruments answering several critical questions and can confidently say the content would enhance the knowledge on various financial products and services that is presented through lots of examples explained using simple language. The content can also be treated as a "self-help" book on simplifying the investment knowledge. The final outcome after reading the book would be the feeling of being an "informed investor."
If we consider the current situation of the Brazilian real estate market, we can concluded that the basic principle of financial, namely buy cheap and sell high, had been forgotten by Brazilian consumers, that are buying a property, right now, with prices at the top, with the fixed idea that property value will continue to appreciate over time. The story offers tire of pointing out examples of bubbles and how not to be a contributor (and, later, victim) of them, but It seems that Brazilian have distanced themselves from reality. After all the real estate market is a mirror of the current Brazilian economic situation, and by this, actually, the Brazilian real estate bubble is located in the commercial market, with empty commercial buildings. In residential sector, the dramatic situation of oversupply in many Brazilian cities, appears in its true dimension, and notes how the levels of prices are outside the reality of local income. This phenomenon is generalized, and it is since 2012 that builders offer discount, which can reach up to 35%. Higher construction costs, an increase in interest rates, price of property that grew much more than real income, difficult in obtain loan, result in a creation of a super stock, whose consequence is stalling construction in many cities, with decrease of new releases, and unemployment in the sector, that in a year rose from 6,4 to 9,4%.The bubble began to inflate because of the joint action of several factors. The allowance of MCMV program (a public subside to allow low-income families to buy a home), was obtained thanks to an artificial reduction of interest, an increase of the financing term, the signs of speculation based on the World Cup and Olympics, with rotten credit granted by builders to sell on the plant a large scale, with a default rate in the range of 20%.The rescissions and the competition in the delivery of homes fired from 2012, with an increase inflation forcing rising interest rates, which began to be transferred to the real estate finance. The visible result of all this was, the top five homebuilders in Brazil indebted, whose market price is lower than equity value, and with a stock equivalent to years of sales.The principal of this situation is the federal government, through its tax policies and stimulus to credit. The government's insistence on further heat an already heated housing market will only get worse the outcome. Current fiscal and monetary policies of the Brazilian government are clearly inflationary. Such policies inevitably will increase the cost of living in Brazil, and all other costs associated with the resurgence of inflation. When the Brazilian government will be obliged to increase the domestic interest rate, there will be a direct impact of this measure in real estate. So it will be Brazil's turn to deal with a crisis created solely by the bad management of fiscal and monetary policies of the Brazilian government. Market will not have been the creator of the crisis, but the government of Brazil.
Buy a new version of this Connected Casebook and receive ACCESS to the online e-book, practice questions from your favorite study aids, and an outline tool on CasebookConnect, the all in one learning solution for law school students. CasebookConnect offers you what you need most to be successful in your law school classes portability, meaningful feedback, and greater efficiency. The third edition of Contemporary Trusts and Estates captures the rapid evolution of doctrine in trusts and estates law that has occurred over the past half-century in response to profound societal and demographic changes. Based on recent developments in legal education, this casebook integrates legal analysis, judgment and perspective, ethics, and practice skills. It focuses simultaneously on the theoretical foundations and practical applications of the material, teaching students by using traditional case analysis and, at the professor s option, innovative exercises. Features:
Social marketing is generally considered to be what takes place in the domain where human interests override commercial ones.The Promise of Social Marketing examines the potential for social marketing to address local and global issues associated with the human plight, clarifies the philosophies that underpin good practice in social marketing and highlights its pervasive relevance to all human activities.
There is an on-going debate about the nature of marketing and whether it is able to fulfil or adapt to both commercial and humanitarian or social objectives. The unifying view is that marketing is a tool that can be used for individual, organisational or social benefit. Marketing can be used by private, public, or third sector organisations, either to sell cigarettes or unhealthy food with damning results on the one hand, or to promote products and behaviours that encourage people to adopt healthier lifestyles on the other. There is, nonetheless, also a view that social marketing approaches are different from those adopted by commercial marketers, or from what is called generic marketing.
In this book the author asks, if marketing is a tool, when does the purpose of the tool make it another tool? With specific examples as diverse as the marketing associated with HIV/AIDS prevention and the promotion of social enterprise, this volume explains the precursors and development to date of social marketing, the philosophies associated with it; the tools deployed in its practice, and the direction it might take in the future. This book is of interest to those who study marketing management, business ethics and public policy.
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