Title: New Housing Era: 30-Year Mortgage May Fade. By: Appelbaum, Binyamin, New York Times, 03624331, 3/4/2011 Database: Academic Search Premier Section: National Desk WASHINGTON -- How might home buying change if the federal government shuts down the housing finance giants Fannie Mae and Freddie Mac? The 30-year fixed-rate mortgage loan, the steady favorite of American borrowers since the 1950s, could become a luxury product, housing experts on both sides of the political aisle say. Interest rates would rise for most borrowers, but urban and rural residents could see sharper increases than the coveted customers in the suburbs. Lenders could charge fees for popular features now taken for granted, like the ability to ''lock in''
Opportunities: -Expand into different regions blue collard segment- Expand into new market segments in East Region- New products- Female- “First Time Drinkers” Threats: -Aging core- customer segment- Major Domestic producers- light beer- Second tier domestic producers- Wine and spirited drinks companies- federal excise tax rate, increase in national health concern MMBC’s competitive advantage is the companies unique brand equity. Mountain Man Lager is distinctive because of its’ bitter flavor and slightly higher-than-average alcohol content. The company has made a profit since 1925 until 2005 about 80 years by having a loyal core customer base and building on its brand equity. It is sustainable as long as they keep or increase their core customer market without jeopardizing the brand image. The company’s competitive advantage is a combination of the Brand loyalty, core customer market, Brand Image, “Grass Roots” Marketing which is more effective in there region than competitors.
Both sides are attempting to play political hardball. During the 2010 campaign, the Republicans promised to cut $100 billion from the budget for 2011 and they know that Tea Party activists are going to hold them accountable. The Democrats control the Senate and the presidency and they probably figure that when push comes to shove that many of the new, inexperienced Republicans in the House can be intimidated into giving in. But in the end it really doesn't matter that much who wins this battle. The Republicans are proposing $61 billion in budget cuts which would cut the budget deficit for 2011 by only 3.8 percent.
When Obama enter the White House he reached a high unemployment rate sparking from the 800 billion stimulus plan that was put in effect from George .W. Bush. Romney agrees but decided that lower taxes, less regulations, balanced budget, replace jobless benefits with unemployment savings accounts and proposed tougher financial industries in response to corporate scandals. Both Romney and Obama agree on the education laws of No child left behind however Romney thinks the federal government should have less control of what goes on in the educational system. The first presidential debate and both president Obama and Romney agreed that their corporate taxes are too high.
Andrew Miring’u John A Grummel U.S Government December 11, 2011 BUSH TAX CUTS ON THE WEALTHY BE MADE PERMANENT During recessions, the government will occasionally offer a tax cut as an economic stimulus. In rough terms, a tax cut of one trillion dollars over ten years will "give back" an amount equal to about one percent of consumer spending annually over that period. The first question about tax cuts is, exactly how do they stimulate the economy? This is not a Remember, if the government gives us a tax cut they'll still have to make up the budget shortfall somehow, mainly by selling more bonds to American citizens (who happen to be the same people getting the tax cut) or foreigners (who will raise the money by selling us more of their
Building strong brand recognition. 3. Strategic alliances with companies know for value. Strategic Intent Grow and build: Redbox’s strategic intent is not to increase the market but rather capture the customers that are leaving the traditional movie rental outlets, 1. Plans to deploy 7,000 to 8,000 kiosks in 2010.
4. Assume Siemens moves forward with the plan for the Great Game of Life, what recommendations would you make to maximize success? principles, concepts, and theory Problem statement Syndrome 911 3 biggest clients’ bankruptcy 110/658 M Supplier bad foam cushion-> delay schedule damage profitability Task 7.2 M investment into culture change program decision Characters CEO: Charlie Eitel->former successful experience on implementing the program President: Bob Hallyer-> personal interest and other top management team: stakes are high->no New York based equity firm worries too Background 1870s-1936 From wooden box to wooden framed bed to bedding 2 generation of family business Innovation -> transparent leader 5000investment to 43M revenue 1987 operated in 15 countries with a full range of products Participate in public sector: WW1 WW2 Korea War Using successful people to advertising: Roosevelt Eleanor/ Henry Ford/ Thomas Edison 1978 non family member CEO-> unstable ->2001Zreo waste program internal reduce to 18 concentration mattress products. Business Model 770 retail outlets Wholesale consumer Direct (company-owned subsidiaries)->hotel motel hospital dorm US government Simmons Culture History Opportunity Innovation Costumers need Eitel’s team bring in Caring Empower people within boundaries Support each other CHOICE Manufacturing plant competition instead of
In Barack Obama’s re-election ad, “Won’t Say – Obama for America TV Ad,” the targeted audience is the middle class people. Obama is trying to get across the point that the Republican candidate Mitt Romney will, if elected, raise taxes on the average middle class family in order to get tax breaks for the rich. The campaign ad for President Barack Obama, “Won’t Say – Obama for America TV Ad,” presents a visual and textual argument with the strategies of pathos, logos, and ethos to show to the middle class people that Mitt Romney will raise their taxes in order to cut taxes for the rich, like himself. But Romney is not saying exactly what he will do to the middle class people. The argument of Obama’s ad is slightly effective after further research; Romney’s plans are not necessarily to raise taxes on the middle class, but at the same time, he will lower the tax rates for the higher class.
(November 8, 2013) [CNN Money] “What shutdown? Job growth strong in October “. Retrieved from http://money.cnn.com/2013/11/08/news/economy/october-jobs-report/index.html 4. Levy, Pema. (October 16, 2013) [Newsweek].Winners and Losers in the Shutdown Battle Retrieved from http://winners-and-losers-shutdowndebt-ceiling-battle-352 5.
Luis Cholotío-García ENC1102 – Professor Fiedler April 24, 2012 Research Project The Fiscal Effects of a Comprehensive Immigration Reform The critics of immigration reform declare that legalizing 11.5 million immigrants will cost billions of dollars, which will increase the federal debt. Moreover, they blame the undocumented population for taking the jobs of American citizens, and for contributing negatively to the recession that the country is currently experiencing. However, pro-immigration reform studies have concluded the opposite stating that the law will have a dramatic, positive economic impact. Immigrants arrived freely in the United States of America since before the settlement of the thirteen colonies in 1776. Since then—236