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Ask the Economist with Daryl Fairweather

first_imgHow did studying with Nobel Prize recipient Richard Thaler, who is hailed as the Father of Behavioral Economics, impact your outlook on market behavior, and specifically the housing market? On the mortgage side, data is creating more transparency about rates and fees, as well as shining a light on what has been an opaque process for consumers. Data and technology will help streamline the approval and underwriting process, as well as the home closing—we can now do fully digital home closings. Share Save Rachel Williams attended Texas Christian University (TCU), where she graduated with Magna Cum Laude with a dual Bachelor of Arts in English and History. Williams is a member of Phi Beta Kappa, widely recognized as the nation’s most prestigious honor society. Subsequent to graduating from TCU, Williams joined the Five Star Institute as an editorial intern, advancing to staff writer, associate editor and is currently the editor in chief and head of corporate communications. She has over a decade of editorial experience with a primary focus on the U.S. residential mortgage industry and financial markets. Williams resides in Dallas, Texas with her husband. She can be reached at [email protected] Servicers Navigate the Post-Pandemic World 2 days ago Editor’s note: This interview originally ran in the December issue of DS News, click here to start reading. Data Provider Black Knight to Acquire Top of Mind 2 days ago  Print This Post Big data is just a buzzword, unless it is used to improve service and deliver value to consumers. At Redfin, we use data to help buyers and sellers understand the market so they can make better decisions. A good example of this is Redfin Compete Score. It analyzes a vast amount of data about the real estate market to help consumers understand how much competition there is for homes right now and what it will take to win a home in their neighborhood. The Best Markets For Residential Property Investors 2 days ago Behavioral economists start from the premise that people make mistakes and don’t always act rationally. From 2004–2006, home prices went up 50 percent, when historically home prices rise about 1 percent faster than inflation. A behavioral economist would interpret such a dramatic rise in prices as the result of a psychological phenomenon like herding behavior, which is when people mimic the actions of a larger group, even when the larger group is acting irrationally. Herding behavior leads to asset bubbles because people are less likely to bet against the herd. A traditional economist would start from the premise that people act rationally and would only be willing to pay 50 percent higher home prices if they determined the home is 50 percent more valuable. It’s valuable to consider both perspectives when analyzing the housing market. Oftentimes, there is a rational explanation for such fluctuations, but it’s good to have some humility and consider all of the ways that people make mistakes when buying and selling homes. Every homeowner I spoke with wanted to pay their mortgage, wanted to keep their home, and desperately wanted help. Listening to homeowners facing foreclosure and learning about the individual and economic consequences of their choices made me want to learn more about how people’s choices shape our economy and what can be done to improve people’s choices and ultimately, people’s lives.I think the mortgage industry has an important role to play in giving people the opportunity to own their own home. Most people consider homeownership to be a huge financial milestone and have an emotional attachment to their home. It’s incredibly important that people understand how their mortgages work and the risks involved in taking on debt. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Daryl Fairweather HOUSING mortgage Redfin 2018-12-14 Rachel Williams You worked with the Federal Reserve in Boston, interviewing people who lost their homes due to the financial crisis. What did you most take away from this experience? How did it affect your outlook on the mortgage industry? December 14, 2018 2,114 Views When mortgage interest rates go up, monthly payments go up for homebuyers taking on a mortgage to pay for a home. People who are deciding whether to rent or own are going to be comparing their monthly mortgage payment to rents, and more people are going to decide that renting is a better option. Homeowners who have great rates may be more hesitant to sell and get a new mortgage. For homeowners who do sell, they are going to have to lower their price, if they want to increase the number of people touring and making offers on their home. Home builders are going to have to build more affordable homes to attract more potential buyers. Servicers Navigate the Post-Pandemic World 2 days ago in Daily Dose, Featured, Market Studies, News Before joining Redfin in October, Daryl Fairweather served as a Senior Behavioral Economist for Amazon, leading a team of analysts and economists who worked on improving employee performance and engagement. Earlier in her career, she worked as both an economist and an analyst for companies such as Intensity Corporation, Morgan Stanley, and the Federal Reserve Bank of Boston. Fairweather holdsa Ph.D. in economics from the University of Chicago and a bachelor’s degree from MIT. The Best Markets For Residential Property Investors 2 days ago Home / Daily Dose / Ask the Economist with Daryl Fairweather Fairweather spoke to DS News about the value of her mentorship by Nobel Prize winner Richard Thaler, how her study of behavioral economics will inform her new role at Redfin, and what she took away from her work at Amazon. With prices rising and mortgage rates increasing, how will this affect those attempting to sell their homes, as well as homebuyers’ strategies? How will the industry respond as a whole? Previous: JMA Launches New Solution for Borrower Outreach Next: CoreLogic’s Solution to Streamline Mortgage Loan Process What is the intersection between big data and customer service, and how will the advent of big data alter the mortgage industry? What will change as technologies become more ubiquitous? The Week Ahead: Nearing the Forbearance Exit 2 days ago Tagged with: Daryl Fairweather HOUSING mortgage Redfin Demand Propels Home Prices Upward 2 days ago Related Articles How did working as a Senior Economist with Amazon for two years prepare you for working with Redfin? Is the transition from working for a major e-commerce and cloud-computing company like Amazon very different from working in real estate brokerage? Ask the Economist with Daryl Fairweather Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago How does behavioral economics provide a perspective on the housing market that other approaches can’t? Data Provider Black Knight to Acquire Top of Mind 2 days ago Sign up for DS News Daily At both companies, I have used my knowledge of economics and psychology to interpret data and help people make better data-driven decisions. At Amazon, my focus was on delivering internal research to Amazon’s leaders so they could make more informed business decisions. At Redfin, my focus is on sharing insights to everyone interested in buying or selling homes. One exciting part of my job at Redfin is the opportunity to talk with our real estate agents around the country who are often the first to identify trends that may take weeks or months to be reflected in the data. Subscribe Economics is ultimately about how people make decisions. The macroeconomy is made up of individual people buying and selling goods and services, and people aren’t perfect. People make mistakes. People are emotional. People often don’t fully understand the consequences of their decisions. Behavioral economics takes all of this into account. The housing market is a perfect example of how human behavior impacts economics. For example, in a cooling housing market, home sellers are slow to react. They will look at what their neighbor’s house sold for a few months ago and feel like they should get the same price, or an even better one. Home sellers have a hard time seeing things from the buyer’s perspective; the buyer doesn’t care what home prices were a few months ago, they are looking at what’s on the market right now and trying to get the best possible deal. That’s why we are seeing so many price drops. Sellers are slowly learning how the market has changed. About Author: Rachel Williamslast_img read more

Psychology Adjunct Assistant Professor

first_imgMinimum Qualifications Applicant DocumentsRequired DocumentsUnofficial Transcript 1Optional DocumentsUnofficial Transcript 2Unofficial Transcript 3Resume/Curriculum VitaeLetter of InterestLetter of Recommendation 1Letter of Recommendation 2Equivalency Determination Letter (P-38 or Equivalency RequestStatement)P-881 Report of Arrests Which Led To Convictions For CrimeDocument Please indicate how you meet the minimum qualifications forthis position. Select the appropriate answer.I possess the minimum qualifications for this discipline aslisted on the job announcement. (Attach unofficial transcripts froman accredited college/university and/or evidence of jobexperience.)I possess a valid California Community College Credential forthis discipline. (Attach a copy of appropriate credential withapplication.)I possess qualifications equivalent to those listed and haveattached evidence. (To review Equivalency Process.)I have previously been granted equivalency to teach thisdiscipline by the Los Rios Community College District. (Attach theEquivalency Determination Form P-38 and transcripts.) Total Hrs per Week/Day Posting NumberF00152P Criminal History Verification and Release: I acknowledge andagree that I understand that by answering the question below, Icertify that the information provided by me is true, correct andcomplete to the best of my knowledge and belief. I authorizeinvestigation of all statements contained herein, and on the P-881(if applicable and submitted), and I release from liability allpersons and organizations furnishing such information. I understandthat any misstatements, omissions or misrepresentation of facts onthis form, my application, and, if applicable, the P-881 orattachment(s) may be cause for disqualification or dismissal. Ifyou have ever been convicted of an offense other than a minortraffic violation you are required to complete the form ‘ArrestsWhich Led to Convictions for Crime’, P-881 (you must discloseconvictions that have been dismissed pursuant to Penal Code Section1203.4; Ed. Code 87008). Please copy and paste the provided URL forthe form -https://losrios.edu/docs/lrccd/employees/hr/forms/p-881.pdf – andattach the completed form to your application.Yes, I acknowledge and agreeNo, I do not acknowledge or agree AboutThe Los Rios Community College District ( LRCCD ) is the secondlargest, two-year public college district in California, servingapproximately 75,000 students in the greater Sacramento region. Thedistrict’s 2,400 square mile service area includes Sacramento andEl Dorado counties and parts of Yolo, Placer, and Solano countiesand is comprised of four uniquely diverse colleges – AmericanRiver, Cosumnes River, Folsom Lake and Sacramento City colleges. Inaddition to each college’s main campus, the district offerseducational centers in Placerville, Davis, West Sacramento, ElkGrove, Natomas and Rancho Cordova.The Los Rios district office is centrally located in the heart ofthe Sacramento valley. The growing Capital Region has strongcommunities and emergent arts and dining scenes, and is nearby someof the most celebrated tourist destinations in the country – LakeTahoe, Napa Valley, and San Francisco. The Sacramento area is agreat place to live and work!StrengthsThe district has approximately 4,000 employees throughout our fourcolleges and district office in dozens of different departmentsthat provide welcoming, inclusive, and equitable environments forLos Rios students, employees and community partners. Each and everydistrict and college department strives for the highest quality inall programs, services, and activities, and is focused on improvingeducational outcomes for the students we serve.Our VisionOur colleges offer equity-minded, academically rigorous, studentsuccess centered education. Our objective is to help our studentssuccessfully achieve their academic goals, whether they want totransfer to a four-year college or university, earn an associatedegree, or obtain one of more than 100 certificates in high demandcareer fields.The Los Rios Community College District’s Human ResourcesDepartment is committed to diversity, equity, and to ensuring aninclusive, thriving environment for all of its employees, students,and surrounding communities. To that end, the Human ResourcesDepartment is intentional in recruiting, hiring, and retainingdiverse employees, to reflect the diversity of our colleges’student populations. Closing Date The Institution Supplemental QuestionsRequired fields are indicated with an asterisk (*). Special Requirements How and where to apply Department Location Job Posting TitlePsychology Adjunct Assistant Professor General Responsibilities:The adjunct faculty member shall be responsible for the following:teaching assigned classes under the supervision of the area dean;helping students fulfill their maximum potential in masteringcourse content; assessing student learning outcomes; maintaining athorough and up-to-date knowledge in his/her regular teachingfield; continuing professional development; utilizing currenttechnology in the performance of job duties; maintaining standardsof professional conduct and ethics appropriate to the professionalposition; assisting with articulation and curriculum developmentand review; serving on college committees and participating infaculty governance including accreditation and studentco-curricular activities; assuming other responsibilities asassigned by the area dean; fulfilling other duties andresponsibilities of an adjunct faculty member as outlined in thecollege faculty handbook. Conditions Work YearN/A Physical Demands Quicklinkhttps://jobs.losrios.edu/postings/2907 Assignment Responsibilitiescenter_img The Los Rios Community College District is seeking a pool ofqualified applicants for possible temporary part-time facultyteaching assignments. These positions are filled on an as neededbasis and are on-going recruitment efforts.Adjunct pools are open continuously and applicants arecontacted/hired year round for assignments based on collegeneeds.Teaching assignments may include day, evening, on-line, hybrid,weekend, and/or off campus classes. Considering this specific position that you are applying to –where/how did you learn about this position?College DepartmentCareerBuilderChronicle of Higher Ed (Vitea.com)Community College Registry Job Fair: OaklandCommunity College Registry Job Fair: Los AngelesCommunity College Registry Online Job BoardCommunity Outreach (ex. Festivals, etc.)CommunityCollegeJobsCraigslistDiverse: Issues in Higher EducationD’Primeramano MagazineEdJoinFacebook (Campaign)Facebook (Los Rios Page)GlassdoorGreater Sacramento Urban LeagueHandshake (CSU, UC Job Boards)HigheredJobsIndeedInstagramJob SitesJob JournalLatina Leadership Network of the California CommunityCollegesLinkedInLos Rios Community College District EmployeeLos Rios Community College District Human Resources EmailLos Rios Community College District WebsiteLRCCD Resource Group – API (Asian Pacific Islander Legacy)LRCCD Resource Group – Black Faculty & Staff Association(BFSA)LRCCD Resource Group Native American Collaborative (NAC)LRCCD Resource Group – Spectrum (LGBTQIA+)Professional NetworksSacramento Black Chamber of CommerceSacramento Asian Chamber of CommerceSacramento Builders ExchangeSacramento Hispanic Chamber of CommerceSacramento Rainbow Chamber of CommerceSacramentoWorksThe HUBTwitterYouTubeZipRecruiterComunidad Posting Details Beginning and/or Ending Dates Applicants applying to this Los Rios Community College Districtadjunct faculty posting are requested to complete fully andsubmit:1. Los Rios Community College District Faculty Application2. Unofficial transcripts of college/university work ** (graduateadvising documents and grade reports will not be accepted asunofficial transcripts). NOTE : Los Rios employees are alsorequired to submit unofficial copies of transcripts.3. Resume or Curriculum Vitae4. Two letters of recommendation5. Letter of Interest**Note: Applications submitted without transcripts will bedisqualified. Also individuals who have completed college oruniversity course work at an institution in a country other thanthe United States must obtain a complete evaluation of foreigntranscripts, degrees and other relevant documents. A foreigntranscript evaluation is required any time foreign course work isused to meet minimum qualifications and/or salary placement even ifthe foreign transcript has been accepted by a college or universityin the United States.Foreign transcript evaluations ONLY accepted from AICE (Associationof International Credential Evaluations, Inc.) or NACES (TheNational Association of Credential Evaluation Services) agencies orevaluators. Foreign Degree Transcript Evaluations click hereDo not submit additional materials that are not requested. Please visit our Frequently Asked Questions for completeinformation on how to apply online with our District. Applicationservices are available between 8:00 a.m. and 5:00 p.m., Mondaythrough Friday, at the Los Rios Community College District HumanResources Office located at 1919 Spanos Court, Sacramento, CA95825-3981. If you need assistance with any phase of theapplication process, please call (916) 568-3112 or come in duringour business hours. After hours inquiries to be emailed [email protected] LocationLos Rios Community College District (District Office) Additional Salary InformationNo additional salary information to note 1. Have a master’s degree in psychology OR Bachelor’s in psychologyAND Master’s in counseling, sociology, statistics, neuroscience, orsocial work; OR, hold a California Community College Instructor’sCredential in the discipline area; OR, the equivalent.*2. Have an equity-minded focus, responsiveness, and sensitivity toand understanding of the diverse academic, socioeconomic, cultural,disability, gender identity, sexual orientation, and ethnicbackgrounds of community college students, including those withphysical or learning disabilities as it relates to differences inlearning styles; and successfully foster and support an inclusiveeducational and employment environment.*Note: Applicants applying under the “equivalent” provision mustattach details and explain how their academic preparation is theequivalent of the degrees listed above. Posting Date Application Instructions All Positions: Offers of employment are contingent upon thesuccessful clearance from a criminal background check, freedom fromtuberculosis, and proof of identity and eligibility to work in theUnited States prior to the first day of work. The District mayselect additional qualified candidates should unexpected vacanciesor needs occur during this recruitment/selection process. Wheneducation is a requirement for the position, official academictranscripts from the accredited college/university must besubmitted within 60 days of hire. Part-time, Assistant Professor Position. Adjunct pools are opencontinuously and applicants are contacted/hired year round forassignments based on college needs. Open ContinuouslyYes Can you perform the essential functions of this position?YesNo SalaryPlease see LRCCD Salary Schedules Work Schedule Position Summarylast_img read more