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2008 recession reddit

Economically, there were fewer incentives for banks to behave responsibly post-deregulation.Seen in thus light, housing bubble was the context for the failure, but not the cause.Could you be more specific? The scenario calls to mind two recent moments in time: 9/11/2001 and the Great Recession of 2008. Would the regulations you claim exist have changed their behavior?Financial institutions (which gave the loans for people to buy houses) paid off credit rating institutions to give super high (Triple motherfucking A) ratings to get people buying these houses.Do you have evidence for this? I was very fortunate to get into my career before the recession started. How can you tell what each one's worth? Job growth stagnates because no new jobs are being created from expansion, businesses have had to start laying people off because revenues are shit 'cause everyone's broke.Bonus culture, bankers get a bonus based on how many loans they give out/transactions they settle etc etc, the success later on down the track is irrelevant, they get paid the same bonus anyway.Deregulation allowed investment banks to get seriously into prop trading, as it became more profitable to prop trade than to do what investment banks traditionally did, such as advising on mergers and acquisitions (investment banking). shares, bonds etc). Why couldn't wealthy and powerful people/banks prevent themselves from going bankrupt?I usually don't do this, but this video explains this perfectly.Towards the GFC, Fannie Mae and Freddie Mac became more heavily involved in the securitization of residential mortgages, specifically Mortgage backed securities (a security is an asset of any kind, e.g. However, a one-quarter shrinkage in growth could be a statistical anomaly. By 2011, only five airlines controlled nearly 80% of the US market, according to Dollar Flight Club.In the next 6 years, two big carriers will merge, further consolidating control of the market, and low-fare carriers like Spirit and Frontier could fail from the big carriers.Airlines will significantly cut back on available capacity by reducing the number of flights and routes to increase load factor, according to Dollar Flight Club. Everybody wins (so far).Though that is a really simplistic idea, that is an example of how a bank can bundle up a bunch of mortgages, chop them all up and sell them in security form to ordinary investors or investment banks (who at the same time, thanks to deregulation have now started to act more like hedge funds,where they are now buying and selling securities as themselves to try and make money, instead of facilitating the trade between two parties like they used to do). Imagine your bank slicing that paper into strips, and selling each strip. Turned out ok though.I had just graduated college and the job market was shit - its shit now but it was double extra shit then. In Europe it cased bank failures, government debt interest spikes and high unemployment. We bought in 2012 but by that point most of the stuff under market value here had everything ripped out of them and would have been $80k-$150k in maintenance costs.I was a year out of college with no investments, so I didnt really take a financial hit.

Close. This will help airlines fly fuller planes and charge higher prices, according to Dollar Flight Club.In 2011, for example, 61% of the advertised flight for American, United, Delta and US Airways were operated by code-share regional airlines, up from 40% in 2000.In the long-term, the airline industry will shrink in general. Packed flight on Air India. It hurt my parents’ relationship and it hurt a lot to see them fighting over money constantly (I was like 13 at the time).Not terribly, I was early in my career so while my 401k and other stocks took a hit they recovered not too long after and I learned to make wiser risk choices. The government buys said mortgages from the bank hoping to make a buck, making it no longer the banks problem after the original mortgage has been purchased. Indeed, a post-hoc analysis of internal banking documents shows exactly this - the banks packaging loans into structured products believed it was extremely unlikely that house prices would go down. The last $30 to be repaid goes to whoever owns this.So for example, if 29% of people people default and only $71 is paid, the holders of the low risk tranch get paid $70. help Reddit App Reddit coins Reddit premium Reddit gifts Communities Top Posts. This is a bullshit explanation.Conservative deregulation of the banks allowed them to prey upon their customers in new and interesting ways. Loans will be serviced by NetCredit. Applicants who submit an application Probably not but who cares, because i'm going to once again go to my friends and this time offer them the $5000 I've managed to accumulate in money owed to me in 6 months, for a cool $4000 right now.

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