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I wrote this one year ago in the middle of the financial crisis in the stock market on my website. I had to cut out the last several paragraphs to stay within the character limits. STOCK MARKET CRISIS What caused the stock market to drop so much in the past year, especially September? What can be learned from what happened? What should investors do now? Many experts agree that the market crisis is a result of the large number of subprime (high risk) real estate loans made in the last ten years. In the 1990's Congress relaxed regulation of the financial industry. Banks loaned money to people who did not provide valid proof of income or proven ability to repay loans. Many loans required no down payment or artificially low interest rates for short periods. The banks sold the mortgages to two quasi-government agencies, the Federal National Mortgage Association (FNMA or Fannie Mae) and the Federal Home Loan Management Corporation (FHLMC or Freddie Mac). These agencies were created many years earlier as government backed private corporations to make buying homes easier for the American public. Fannie Mae and Freddie Mac then bundled the mortgages and re-sold them to individual and institutional investors. Executives of Fannie and Freddie had incentive to approve risky mortgages because their bonuses were based on the amount of money loaned out. Housing prices rose because credit was easy. Many people speculatively bought houses larger than they could afford because they expected to sell at a profit. They did not expect to make mortgage payments for any length of time. Home building reached an all time high and the supply of houses became higher than the demand. Prices fell and people who had borrowed more than they could pay back defaulted on mortgages. Many of the mortgage backed packaged investments dropped dramatically in value. Banks foreclosed on unpaid mortgages but repossessed houses had to be sold for less than the mortgage amount. Large losses appeared on the bank's balance sheets. Financial institutions which held the defaulting mortgage investment packages began to fail, deflating their stock prices and making other institutions tighten their lending requirements. The current stock market and credit crisis is the result. Investors are being reminded of some investment fundamentals. Markets go down as well as up. Some people can make educated guesses, but no one can predict the market direction in the short term. The purpose of asset allocation plans is to protect the investor from market fluctuations by diversifying into many different investments and categories. If stocks go down, fixed income investments usually go up. If stocks of one type go down, stocks of other types might go up. If stocks in one country go down, stocks in other countries might go up. An investment into a single stock or single sector of the market is riskier than an investment into the entire market in a broad index fund. Assets in cash and fixed income investments do not make as much money as stock market investments in good times, but do not lose as much money in bad times. Contrary to government encouragement, not everyone can own their own house. Only people who can make a down payment and monthly payments can own houses. Speculation in houses or in the stock market is extremely risky. So what should investors do? That depends on individual circumstances. Young investors may view this market pullback as a wonderful opportunity because the market is about 30% lower than it was a year ago. Their risk is that the market may go lower in the short run, but young investors have time to stay invested for many years before selling when the market will be much, much higher. Other investors may be optimistic and buy now with the expectation that the market has overreacted to bad news, government intervention will help and the market will correct soon. Their risk is that the market may take some time to recover and they may need to sell some investments in the short run at a low price to pay short term expenses. Investors of any age who believe the market is going lower have already sold or will sell as the market goes lower. These investors gain some safety by getting out of stocks, but they lock in paper losses which will never be regained by staying in fixed income or stuffing money into a mattress. Aggressive investors who have been taking chances by putting 100% of their investments into the market may regret taking so many chances. All their money is invested in equities so they lost the most value in the market pullback. In addition, they have no available funds to invest at low prices. They may be missing a great opportunity due to their lack of available cash. Conclusions followed, but no room here.

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Not sure exactly what the workload will be in terms of material and time commitment since the scope of the project is stated in a very generic manner. That said, I have 10 years background in accounting and finance with a focus in small business and individuals. I manage individual's accounts and I provide advice. References can be provided upon request. I am also an author on Seeking Alpha website and other financial websites. You can view my resume under my profile. Please contact me if you are interested in discussing further. Thank you, Alex. amizanatturnaroundanalystsdotcom

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I am a chartered accountant and possess 35 years experience in international banking and consulting.During this period I have been involved in extensive activity involving papers/presentations,seminars and corporate training.My experience includes 13 years in senior positions with HSBC and long term consulting with ANZ Grindlays and Thomas Cook India. For the past few months I have been involved in developing content for post graduate business management programs.I am now seeking work at home opportunities and would be available for at least 40 hours per week I read extensively and have a wide range of interests from sports to music to cooking.I am therefore able to handle a wide variety of topics Writing samples are enclosed in pm.I have just finished writing a course on forex trading as well as a 50 article project on forex robots. Regards Ramu Iyer

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I have a Bachelor's Degree in Business Administration, Major in Management and Finance. I am also fluent in spanish and english. I have worked in areas of management, accounting, and financing in both spanish and english. Hoping to receive a positive reply, atte Diana Lozano

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I have been working for a website as well as an advertising firm so i think i can give you quality work. Have done masters in Journalism & Communication studies.

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I need more details of the course to enable me to accurately forecast the time required to complete the project. I am a qualified bankers equipped to do this job well

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www.vappingo.com

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Hello; Please, check PM. Thank you

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Hi I am in this finance biz for the last 10 years and have pretty good experience in writing reports. So please consider my bid for this project. Regards dhanan

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i am a practicing chartered accountant in delhi, india.

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Hi! I can do the job. I am an English teacher and have an experienced in writing. Pls. send me the deatils.

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Hi, I hold an MBA degree in Finance, and have completed my Chartered Financial Analyst (CFA) program. Coupled with my teaching and research assistance experience at local universities, I believe that I can be of great assistance to you in the project. I look forward to working together with you.

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pls ma'am i am an expertise n doing al dis..but i need d money very urgently...so pls assure me abou my payings!

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Dear, I am interested in the project you have offered. I have experiences related to audit, accountancy, finance in private and public sector too. I can give you support in preparation of educational course materials. If you are interested do not hesitate to contact me. Regards,

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Please check PMB. Thank you.

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Hello. I'm an experienced financial writer and journalist and have written on a number of topics including business (finance), home and gardening, health and fitness and general interest subjects. Therefore, I believe I can assist you in writing the type of book you want. Please see the PMB for my resume and links to samples of my published work. I also have included a sample of a financial article for review. Many thanks for your review. I look forward to your reply. Sincere regards, Donna Ryan

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Dear Juliamaybee, Please check pm urgently

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Prolific, methodic and consistent writer and translator (English and French) based in London. I am very much interested and largely available presently. I do have excellent creative writing and research skills (whether online or offline). See PM

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fast and reliable

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I am well versed in the domain knowledge of Finance with a total experience of 4 years would definitely be an advantage. I wrote few articles and research reports for ODESK earlier. And I post a few among these articles to my Blogspot. So, I guess I can take up this task and complete it in time. Also visit http://www.cheeseonfinance.blogspot.com

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