Subprime Mortgage Mortgage

Subprimemortgagemorgage Es Mortgage The Second Mortgage Provides Quick Access To Funds Subprime Mortgage Mortgage Gu Gang - 博客大巴

Subprimemortgagemorgage Es Mortgage The Second Mortgage Provides Quick Access To Funds Subprime Mortgage Mortgage

Access Subprimemortgagemorgage Second search

14 Essential Tips for Meeting a Deadline - [工作]

By Leo Babauta
Your reputation as a freelancer is pretty much the only thing you have to go on — your bread and butter.
And your reputation is generally based on two things: the quality of your work, and how well you meet deadlines.
Today, we’ll focus on meeting deadlines, as that’s the area that many freelancers have problems with. Sure, you can do great work, but if you don’t turn your projects in on time, you won’t get many repeat customers.
1. Care about deadlines. This is the first step, as many people are very lax about deadlines. You have to be very serious about meeting them, and make them a priority. And make breaking a deadline a cardinal sin in your freelance book. Once you’ve done this step, the rest is just logistics.
2. Keep a list of projects & deadlines. If you care about deadlines, you’ll write them down, and have one place that you check often to make sure you know what’s due and when. I use a simple online list, but you could use paper. Which tool you use doesn’t matter, as long as you use it.
3. Communicate a clear deadline. Be sure that you and the client are in agreement with a specific deadline, including time of day (and factor in time zone differences as well). If the deadline is fuzzy, you will have trouble meeting it. If the client doesn’t give you a deadline, you need to ask for one.
4. Work in a cushion. It’s wise to build in a cushion for your deadline. To get a clear idea of how long a project will take, break it down into smaller pieces (see below for more). If you aren’t sure exactly how long each of those pieces takes, break them down into even smaller pieces. And for each piece, add a small cushion to your time estimate. Then add up the time estimates of all the pieces, and you’ll have a cushion built in. This will allow for delays, and if you finish early, the client will be pleased.
5. Have a clear outcome. You and the client should both agree on a clearly defined outcome. Don’t skip this step, or you could be sorry later. If you turn in a project that’s not what the client wanted, you’ll have to do extra work, meaning that you’ll miss the deadline. If you’re not absolutely clear what the outcome should look like, ask some questions of the client until you are clear.
6. Break down the project. This is standard advice for any project, of course, but that’s because it works. Don’t try to tackle an entire project. Tackle one step at a time. Again, you’ll want to break it down into smaller steps, give a time estimate for each step. Each step should be small enough that it takes an hour or less, so it’s not too intimidating.
7. Focus on the first step. Now that you’ve broken the project down into smaller steps, just focus on the first one. Don’t worry about the rest for now. Give the first step your full attention, and get going. You’ll feel satisfied when you complete it, and can check it off your list. Then focus on the next step.
8. Block off adequate time. When you’re going to work on a step, be sure to have it blocked off on your day’s schedule. If you’re not blocking off time for your most important tasks, you’re probably not getting the important stuff done. However else you work during the rest of the day, for your freelance projects, block off a good amount of time for each step, and treat it like a doctor’s appointment — you can’t miss it.
9. Have a start and complete date for each step. When breaking down a project, give a start and complete date for each step, so you can get a good feel for the timeline of the project, and whether you’re on schedule or behind. It also keeps you on track if you know when each step should be started and completed.
10. Communicate with each step. Once you’ve completed a step, send the completed step to your client if possible. Sure, it won’t look like a completed project, but you can show that you’re making progress, you keep yourself on track, and you can get feedback communicated from the client. Better to know early on that you’re headed in the wrong direction than at the end of the project.
11. Don’t overcommit. One of the biggest causes of missed deadline is that a freelancer commits to more than he can handle. Learn to say no if you cannot commit to finishing a project on time.
12. Learn from mistakes. If you bust a deadline, take a few minutes to analyze what went wrong and how you can avoid that in the future.
13. Stay up late. If you planned badly, or just procrastinated, and you’re up against a tight deadline, do whatever it takes to meet it. That means staying up late and working long hours if possible.
14. Negotiate and meet a second deadline. If you absolutely cannot make deadline (you probably overcommitted), you should contact your client and negotiate a second deadline. It’s much better to do this than to let the deadline go by without any communication. Whatever you do, be sure to meet this second deadline. Two missed deadlines in a row is bad news for a freelancer’s reputation.
Tag：工作
Gu Gang 发表于09:26 | 阅读全文 | 评论 0 | 编辑 | 分享 0

  • 2007-08-13

    美国次债危机 - [金融]

    地球另一边的超级大国爆发了次级抵押贷款市场的危机，蔓延至全球金融市场。这样的危机很难说会对中国产生什么样的影响，但不失为像我这样的菜鸟狠补一下金融知识的经典案例。

    什么是次级抵押信贷？
    次级抵押信贷(subprime mortgage)源自美国房地产市场。美国金融业发达，发放房屋抵押贷款都要按借款人的信用好坏和钱包大小分个三六九等，于是就有了给信用好的借款者的优质抵押信贷(prime mortgage)，和给信用差的借款者的次级抵押信贷(subprime mortgage)，这中间，还夹了一种信贷(Alt-A mortgage)，给那些信用不好不坏的人。

    次级抵押信贷怎样形成的？
    次级抵押信贷的兴盛起码可以追溯到六年以前。2001年，美国在遭受“9·11”恐怖袭击之后，经济发生了一次小型放缓。美联储把联邦基金利率逐次调低到了1%，以刺激经济发展。联储这一招的正作用不小。2001年三季度，美国GDP只比上年同季度增长了0.2%；但在喝了这一剂猛药之后，2003年三季度的GDP增长猛冲到了9.7%，达到了1990年以来的最高速度。

    风险是怎样形成的？
    然而，降息这一药方的副作用也不容忽视，一度如火如荼、现今深陷困境的次级抵押信贷，就是其中之一。
    低利率为次级抵押信贷的兴盛提供了绝好的温床。任何货物都有价格，利率则是钱的价格。价格低了，钱当然就越来越多，用投资者常用的行话，就是市场流动性(liquidity)增加。按揭提供商们于是蠢蠢欲动，努力想把手头上丰富的钱贷出去；而房屋购买者们，特别是那些以前没钱买房和因为信用记录差而贷不到款的人，也趁此良机纷纷决定买房。
    按揭提供商想出了各种办法吸引囊中羞涩的美国人民，比如所谓的“2/28”。在2/28的按揭计划下，30年的贷款，借款者在头两年可以只还很少的利息，而在余下的28年利息，则通常要比优质抵押贷款利率还要高3%。对于买房者来说，先把房子买了，余下的事情两年后再说。两年中有很多事情会发生，比如工资忽然暴涨，比如在股市大赚一笔，再比如房子的价格大升，就可以用房子的增加值再去贷一笔钱，用以偿还原来的贷款。总之，美国的信贷市场异常发达，有几乎无限多的选择可供挑选。
    这些办法让众多原本买不起房的家庭享受到了自有住房的好处，但也造成了市场环境一定程度的混乱。急于放贷的按揭提供商们互相恶性竞争，很多提供商为了抢客户，连借款者的信用证明材料都可以不闻不问。

    怎样实现风险转移假象？
    按揭提供商并不是不知道次级抵押信贷的风险，一旦借款者还不起钱，而房价又同时下跌，倒霉的只能是按揭提供商。但美国的信贷市场何等发达？分散风险的工具——债务抵押证券 (CDOs，Collateralized Debt Obligations)——也就随之而被大加追捧。按揭提供商可以利用债务抵押证券，把手头的贷款打包成各种证券卖给别人。根据风险和收入同等的原则，次级抵押信贷证券的回报也自然比通常的国债高很多。
    2001年后，美国国债回报逐渐降低，股市也一度不景气，各大投资商、特别是惯于攫取丰厚利润和承担巨大风险的对冲基金投资商们，纷纷抢购次级抵押信贷证券。
    投资商们大量购买债务抵押证券，按揭提供商保险箱中的钱就源源不断。越来越多的原来买不起房子的美国人住进了公寓甚或豪宅。次级抵押信贷又一次证明了，发达的衍生信用市场可以如何优化资金的流通，以利于全社会各色人等。
    然而好景不长，这一原本看似可以无限增长的链条，马上就显现出断裂的危险。对于很多原本没有听说过次级抵押信贷的美国人，对它的了解便从听说次级抵押信贷危机开始了。

    次债危机是怎样的一个影响过程呢？
    1、持有次级债券的公司（主要为银行，保险，基金等金融公司），将受到较大的损失，直接影响今年的盈利预期，导致这些上市公司的股价下跌，拖累股指。
    2、银行收紧贷款，买房人很难买到房子，需求受到了抑制。另一方面，被迫还债的债务人，不得不变卖房产，供应量骤然增加。导致的结果是，房价的下跌，这一结果将直接影响房地产业，美国GDP增长将相应下调0.5%（预测值），这也是导致股市下跌的一因。
    3、由于美国是世界经济的引擎，美国经济的减缓，直接影响欧洲，亚洲，南美的经济增速。特别是亚洲经济的增长模式特点为出口加工，来自美国的订单减少，对亚洲各国影响重大。（这是亚洲股市随同美国股市下跌的原因之一）
    4、如果信用危机不能有效的得到控制，有可能直接影响对优质债券、次优质债券的担心，一旦这些债券的评级被迫下调，将导致债券价格的暴跌，而许多的金融机构、国家、企业大量持有这些债券，损失将难以估量。信用危机将近一步扩大。不过鉴于各国央行近期的强势介入，这种可能性很小，但绝不是没有可能。

    危机，还是只是恐慌？
    市场的恐慌似乎与次级抵押信贷危机的实际程度没有太大关联。按照本年度次级抵押信贷贷款6000亿美元来计算，假设所有次级抵押信贷借款者都被迫在2007年把还款利息调升3%，本年度所需多偿还的贷款额将是180亿美元。而根据美国劳动部的数据，在过去的12个月中，非主管级工人的工资总计上涨了将近3000亿美元，与此相比，需要多偿还的按揭贷款总额只占了6%。
    当然，总是会有人对这样的计算提出疑问，比如说，你甚至可以假设所有次级抵押信贷借款者都没有工作。不过在遇见充实的反证之前，让我们暂且保留以上的计算。
                                                                                  以上资料摘自finance.sina.com.cn和zhidao.baidu.com

    Tag：经济 金融
    Gu Gang 发表于17:30 | 阅读全文 | 评论 0 | 编辑 | 分享 0

  • 2007-08-09

    投资基金 - [理财]

    上证指数今天站稳在4700点，又是一个大牛市的升级波？ gSubprimemortgagemorgage Es Mortgage The Second Mortgage Provides Quick Access To Funds Subprime Mortgage Mortgage Gu Gang - 博客大巴e Subprime Mortgage Mortgage Subprime Mortgage Mortgage Fast Subprime Mortgage Mortgage iSubprimemortgagemorgage Es Mortgage The Second Mortgage Provides Quick Access To Funds Subprime Mortgage Mortgage Gu Gang - 博客大巴e i o o Subprime Mortgage Mortgage Subprime Mortgage Mortgage Subprime Mortgage Mortgage