The Housing Market Pitfalls and How I got Trapped.
Sites like Trulia, Zillow, and Redfin have been great for helping consumers find their dream home. This has led to an explosion of information about the housing market that makes following it more confusing than ever. But with a little knowledge and skill, you can avoid some of the pitfalls associated with buying or renting a home. So what are they? Read on to find out everything you need to know about avoiding these pitfalls on your hunt for housing!
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I know it's difficult, but I have to finish this entry and make it public before I lose my nerve...so there. ~ Ryan McGrath
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By Jack Brougham - Friday, July 26th, 2014
The housing market as we know it is in crisis. Prices are falling and people can't find a place to live. Banks are in trouble and fail every year. The industry lacks innovation because we have become complacent. At the same time we have created a situation where many real estate investors can lose their shirts without any fault of their own because the system doesn't work for them. This leads us to propose a new system that will not only work but also encourage innovation. That's right, our proposed solution is simple: everyone must pay a fee when buying or selling their house so that they can make sure they get what they deserve.
The previous system was based on one simple concept: a free market. In a free market anyone can buy or sell anything with anyone else, and the price will be set by the interaction of supply and demand. But there are two big problems with this. First, supply has no incentive to provide more houses since they don't get paid for it (instead they will just make more money from the sale). Second, demand has no incentive to buy since if they don't buy now then they won't have to pay a fee (this is equivalent to paying $10,000 in fees and planning to sell the house later).
Our proposal solves these problems by charging a fee for buying or selling a house. This will encourage supply to provide more houses, and encourage demand to buy houses now instead of later. We see no downside to this system because it will only make the housing market better.
Here is an example of how our proposal would work: Imagine an investor owns three houses and wants to decide which house to buy this year. He decides that if he buys a fourth house then he can sell his three existing houses for more than he bought them for. So he buys the fourth house and starts selling his existing homes: after one year, two years, and three years later respectively. But there is one thing he forgot: he didn't pay a fee to sell his first house. Without that fee, he hasn't made much money. Since the buying and selling of houses is free now, investors don't care if they buy or sell a house in the next few years and will make the same amount no matter what year they do it. So with no fees, investors are free to buy and sell houses at any time.
If we have another housing crisis we will have to decide whether to fix our existing system or create a new system entirely. To make this decision we will look back at the history of housing prices and decide whether our previous system is better or worse than what we have now. Since I am writing this, I will assume that the system we have now is terrible and that our previous system was great. But what if it was really the other way around? What if our pre-crisis system was terrible, but we ended up making it better anyways? Then all of a sudden the free market would be the greatest thing ever and people would say "Wow! That free market did not let us down! It made everything so much better!".
Conclusion: Even if right now we have a system that is worse than the previous system, we can still make the free market work for everyone by charging a fee for buying or selling a house.
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By Jack Brougham - Friday, July 19th, 2014
Tim Cook recently revealed that Apple's revenues have reached an astounding $50 Billion dollars per month. That's $600 million dollars per day! But $50 billion isn't impressive when you realize most of it comes from iPhones.