Guide to Finance

eg: UK or Brides UK or Classical Art or Buy Music or Spirituality
 
eg: UK or Brides UK or Classical Art or Buy Music or Spirituality
 
Business & Money
Technology
Women
Health
Education
Family
Travel
Cars
Entertainment
SD Editorials
Online Guide and article directory site.
Foodeditorials.com
Over 15,000 recipes & editorials on food.
Lyricadvisor.com
Get 100,000 Lyric & Albums.
  • Business & Money
    • A Guide to Business
    • Guide to Finance
    • Ideas for Marketing
    • Legal Guide
    • Guide to Insurance
    • Lettre De Motivation
    • Guide to the Stock Market
    • Human Resource Career
    • Sales Marketing
    • Forex & Trading
    • Advertising & Marketing
    • Startup Guide
  • Technology
    • Guide to Technology
    • Cell Phones
    • Computer Software
    • IT Hardwares
    • Internet
    • Online Security
    • Cameras
    • Search Engine Optimization
    • Science & Technology
  • Women
    • Guide to Women
    • Relationship Advice
    • Marriage
    • Jewelry
    • Pregnancy
    • Fashion Style
    • Divorce Guide
    • Wedding Guide
    • Dating Guide
    • Natural Beauty
  • Health
    • Guide to Health
    • Guide to Medical
    • Plastic Surgery
    • Weight Loss
    • Sports
    • Body Wellness
    • Cancer Treatment
    • Common Illness
    • Health & Lifestyle
  • Education
    • Military Service
    • Politics and Policy
    • Arts & Humanities
    • Education and Teaching
    • Learn Languages
    • Colleges & Universities
  • Family
    • Quality Home Improvement
    • Hobbies and Interests
    • Family Guide to
    • Pet Guide
    • Loans Guide
    • Credit Cards
    • Gardening Guide
    • Home Security
    • Real Estate
    • Home Decor
    • Gift & Present
  • Travel
    • The Travel Guide
    • Adventure Travel
    • Cruise Ships
    • Beach Holiday
    • Travel Accommodation
    • Holiday Destinations
  • Cars
    • Information on Cars
    • Traffic Violations
    • Auto Insurance
    • Trailers
    • Sport Cars
    • The Bikes
  • Entertainment
    • Entertainment Guide
    • World Music
    • Photo & Video
    • Television & Games

Housing Market In Ca

    View: 
When Greenspan finishes his term as Fed chief, I am one person who surely will miss his succinct use of language to make a point. The use of the term “irrational exuberance” to explain the dotcom bubble, in hindsight, was right on the money. In discussing the current housing boom, he has used the word “froth” to discuss the “relatively exotic mortgages which are of particular concern”. While there are no predictions of a dotcom era style bust in real estate, the fact that 20% of new mortgages in 2005 are “interest-only”, up from 5% in 2003 is the froth of which Greenspan speaks. Consider a 10% drop in home prices for a moment. With a 10% down payment and an “interest-only” ARM, all equity in the home evaporates, and monthly payments eventually will rise with no principal reduction, because interest rates are rising. Does this sound just a bit frothy or even speculative?



The point is to always remember the cyclical nature of the economy, the stock market, the housing market and life in general. In the economic cycle, we are in the middle of the expansion phase, and within this phase, there are ups and downs. The market will rise and fall during this part of the cycle, but the trajectory should be positive if you think long-term. Housing has been in a boom, since the dotcom bust and could very well be near the top. If you need a house, because it will be your home, shop wisely. If you are looking at real estate as an investment at this juncture, perhaps you could wind up in a situation like the above mentioned scenario.

Here are some facts to consider if you are concerned about the housing market. According to Business Week, “today's housing prices are predicated on an impossible combination: the strong growth in income and asset values of a strong economy, plus the ultra low rates of a weak economy. Either the economy's long-term prospects will get worse, or rates will rise. In either scenario, housing will weaken.” We're already seeing interest rates rise, so “perhaps housing is entering a more sober period when it won't be the prime generator of growth.” Overall, the feeling is the housing sector will cool off, and areas with more speculative markets will see more depreciation in home values than those which had a more modest increase over the last three years. This has happened before, and it will happen again. This is no new paradigm, it is just “the cycle”.
Housing Market In Ca
Fabric Structures are considered the oldest forms of Housing. Throughout history, they have been adopted in one form or another by different groups of people living in a variety of environmental conditions. The tent form was ideal for nomads because they were lightweight, mobile and adaptable but the "modern Nomad" doesn't need a tent anymore as our living quarters have become more permanent wherever we happen to be or go. 20 years ago, This author wrote a student thesis on the potential of Fabric Structures in Housing. The focus of that report was to demonstrate that the "overall performance" of Housing could improve with the use of Architectural Fabric Structures.

Overall performance is defined as the success of a building or space in sustaining human needs (physical, social and environmental). This sounds quite utopian but what's wrong with dreaming a little in college! Unlike other building types, Housing is a very personal experience and a form of architecture with complex physical, environmental and social issues. My utopian vision was to first have a decent home (fabric structure) for every person. I dreamed of a "mast supported" single family home with a Teflon roof over the main living spaces and a shade structures over the outdoor living spaces. My dream has not come true and maybe for good reason.

The use of fabric structures in residential applications must be looked at differently at each segment of the market. For single family homes, the use is extremely personal and often experimental. An Architect wants to put his or her signature on a home and can use a fabric structure to make a particular statement whether it is a retractable roof, wall or even floor. On the other hand, the benefit Architects tend to seek in using fabric structures in housing is a safe and reliable spatial envelope for public assembly that will improve (not solve) the overall performance of the development. Today, Fabric Structures have played an important role in society. We can all agree that they provide UV protection and an alternative solution to some traditional materials but it's hard to measure the satisfaction one gets out of fabric structures on a social level. Fabric structures have primarily been built for only public uses: amphitheaters, recreational centers, shopping malls, stadiums and pavilions, to name a few. These structures tend to congregate people and provide social interaction for a specific period of time but they are not used on an everyday basis for living.

Let's consider a closer look at the "soft" housing market.

Physical Performance is making something that is affordable and durable. Architecture as shelter has primarily been built of hard materials, to separate our public and private spaces and buildings from the environment. However, look at the design of some homes today. The home has gone from fabric walls (see the nomads) to heavy walls (see H.H. Richardson) to glass walls (see Mies) to fabric walls (see Shigeru Ban) to no walls at all. Fabric covered patios, gardens, garages, entries and sidewalks are being designed with structures with translucent membranes to get closer and closer to nature at an affordable price. Today, commercial tents and pre-engineered clear spans are wonderful solutions for enlarging ones living space and protecting one from the elements. In larger developments, entries, public facilities and parking garages are being developed using fabric structures to advertise, hide or protect existing or new construction and owner's personal belongings. Textile facades are providing UV protection, greater signage opportunities and provide an alternative to EIFS and other building facade treatments available in the market.

Social performance is creating a place or space where social interaction can occur. This normally occurs through the arrangement of housing units or the space created between buildings. Architects usually approach fabric structures in terms of their novelty and long span capabilities, but there are so many other features which architectural fabrics bring to improve social interaction.

Retail has learned about the potential of fabric structures and multifamily buildings and garden apartments can learn the same. Main Street or the neighborhood corridor can be covered with either retractable awnings or street wide velas. Retractable systems are getting bigger, wider and capable of being used with new and more advanced materials. Domed stadiums are no longer trends in professional sports and the multi family market can see the benefits as well. Small scale tennis and recreational facilities and public amenities like bathrooms and corner stores can be fabric structures for large scale developments and shade and shelter is needed for areas like parking, transportation, and dining.

The Environmental performance is in some ways the most complex. Although, performance can be calculated in dollars and cents and in the BTU's and Kilowatts, it can also be very subjective as every person has a different comfort level. Another issue being addressed with regards to the environmental performance is the material itself. There is past, present and future interest in the environment and sustainability. Is the material durable, recyclable, environmentally friendly, assisting in LEED certification or giving off toxic gases to the environment? You can say that about any material. Fabric structures are made of very few materials and designed and made to improve human comfort. Their benefits include the reduction of direct UV to the skin, the impact on the land thru minimal foundations and by providing natural light to areas which might otherwise require artificial lighting and electricity.

What is the future of Fabric Structures in Houses and Housing? With the rise in energy cost and real estate taxes nationwide, there may be more interest in creating temporary structures for outdoor living in single family homes. Do it yourself Pavilions, clear spans and pool enclosures are more than ever within reach. As for multifamily housing, the public spaces, roof and the parking lot are the places being considered for fabric structures. The social areas or play areas will see the greatest growth as the need for UV protection for children and elderly will increase. Today, the automobile is part of the nucleus family and it is being cared for like a child. Expect to see more covered parking. Lastly, Architects and designer are seeing the roof as a possible new source for interaction, energy and creativity. Enclosed Pools and partially covered "green roofs" are on the drawing boards as well as the use of photovoltaic on membrane structures. Ultimately, the key to any successful housing project or neighborhood development is its social performance.

Fabric Structures are coming home again!
More Articles from
How To Handle Finances Pg307
The Complete Guide To Option Pricing Formulas
The Consumer Credit Protection
The Cost Of Borrowing
The Cost Of Debt
The Cost Of Divorce
The Cost Of Energy
The Cost Of Gas
The Cost Of Money
The Cowardly Lion Costume
The Crash Of 1929
The Credit Secrets Bible
The Crisis Of Global Capitalism
The Current Account Balance
The Current Economic Recession
The Current Inflation Rate
The Current Mortgage Rate
The Current Rate Of Inflation
The Day Of Week
The Decision To Drop The Atomic Bomb
The Doctors On Nbc
» More on
How To Handle Finances
  • Related Articles
  • Author
  • Most Popular
•2009 Housing Market Forecast, by Fritz Pfister
•2009 Housing Market Predictions, by Jennifer Stromsteen
•Affordable Housing Programs In, by Admin
•Auto Insurance In Ca, by Daniel Wright
•Best Place To Live In Ca, by Robertjamesaulb
About Author
Both John Kaighn & Sam Armijos are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

John Kaighn has sinced written about articles on various topics from Finances, Finances and Life Insurance. . John Kaighn's top article generates over 33100 views. to your Favourites.

Sam Armijos has sinced written about articles on various topics from Finances. Samuel J. Armijos, AIA is Vice President of Sales for USA Shade and Fabric Structures and author of Fabric Architecture: Resources for shade, signage and shelter. He resides in Fairfield, NJ with his wife and two children.. Sam Armijos's top article generates over 480 views. to your Favourites.
4th Grade Teacher Websites
Many confusing word structures can also be taught with the voice over. Idioms, for example, can be explained during a read aloud section of an instruction
 
A Guide to Business | Guide to Technology | Guide to Women | Guide to Health | Family Guide to | Travel & Vacations | Information on Cars

EditorialToday Guide to Finance has 5 sub sections. Such as Introduction to Accounting, Payroll Information, Loan Guide, Tax Matters and Introduction to Finance. With over 20,000 authors and writers, we are a well known online resource and editorial services site in United Kingdom, Canada & America . Here, we cover all the major topics from self help guide to A Guide to Business, Guide to Finance, Ideas for Marketing, Legal Guide, Lettre De Motivation, Guide to Insurance, Guide to Health, Guide to Medical, Military Service, Guide to Women, Pet Guide, Politics and Policy , Guide to Technology, The Travel Guide, Information on Cars, Entertainment Guide, Family Guide to, Hobbies and Interests, Quality Home Improvement, Arts & Humanities and many more.
About Editorial Today | Contact Us | Terms of Use | Submit an Article | Our Authors | Financial Terminology » A - E » F - L » » S - Z