Opportunities in Economic and Regulatory Trends

Economic Trends

1.

A)https://www.bloomberg.com/view/articles/2018-04-03/millennials-moving-to-suburbs-will-change-economic-development




B) The information presented in this article leads me to believe that there is an opportunity to create new types of urban communities for millennials to live in. I personally have noticed more and more apartments going up all around the places I’ve been in Florida and I believe that there could be an opportunity for small local businesses to be integrated into these new apartment buildings or around them to create a better environment for kids. I also believe that there will most likely be either a real estate boom or another crash as millennials are getting ready to start families and mortgages. The next wave of developers could also create suburban neighborhoods that include commercial real estate within the suburb itself instead of creating rows and rows of cookie cutter homes further away from the already established cities and towns.




C) The customer in this situation would be the tail end of the millennials turning 30 years old or so or about to have kids. This could also include any nuclear family that wants to move out of an apartment.




D) I would say that this opportunity would be more difficult to exploit because many real estate investment groups are building homes and buildings for the sake of profit and not for the progression of new communities. There is also a lot of paperwork and legal codes that change from area to area around the country.




I see this opportunity because I have travelled to cities like New York, Chicago, and Boston and explored neighborhoods around the city. I have seen the cohesion of these niche communities around the cities’ center and have contrasted them to the kinds of neighborhoods that can be found in towns like Gainesville. I have also seen the new buildings popping up in Brooklyn and it seems like those developments take some of the character of the community out of the neighborhood. I also know that impoverished communities in America would benefit from having local businesses within walking distance because it provides jobs and access to needs. Personally I know that many of my generation is going to struggle to start a mortgage and pay off student loan debt so living in a smaller urbanized community would be preferable.




2.

A)https://www.thedigitaltransformationpeople.com/channels/the-case-for-digital-transformation/are-digital-platform-companies-like-uber-airbnb-disrupting-traditional-industries/




B) I believe that this information has value because companies like Netflix have put Blockbuster out of business and similarly Uber has been competing with taxi businesses. Amazon is also threatening companies like Office Depot. There are still opportunities for traditional services to be transferred to online apps and companies in the future. Individuals just need to find the niche good or service they can make more functional and pursue that idea.




C) The prototypical customer would be the newest generation to hit their twenties at the time of conception of these companies.




D) This opportunity may be difficult to exploit however, it would eventually pay off if novel and useful. It takes a long time to create and refine an app or website.




My Dad is the account manager for Office Depot for North Central Florida and I have seen the strain Amazon has put onto Office Depot first hand over the past four years. I see this opportunity because many traditional companies have not efficiently created digital counterparts.









Regulatory Changes

A)https://www.washingtonpost.com/business/economy/divided-house-passes-major-bank-deregulation-bill-sends-to-trump/2018/05/22/6f3bb562-5dd2-11e8-a4a4-c070ef53f315_story.html?noredirect=on&utm_term=.9103718c0a7b




B) Dodd-Frank being rolled back allows for an opportunity right now for entrepreneurs to take larger loans out to create businesses. This is because regulatory legislation that came with dodd frank held loan rating agencies more accountable for their actions.




C) The prototypical customer depends on what kind of business is opened due to this deregulation.




D)This opportunity would be easy to exploit if one is familiar with the banking world and had some friends at Goldman Sachs.




I believe this opportunity exists because I have done my own research on the great recession and I have had many discussions with my friends that are similarly interested in the matter.





4.

A)http://www.newsusa.com/articles/article/following-warren-buffets-lead-in-energy-deregulation.aspx

B) Although I do not understand the complexities of energy deregulation, I do see how less protective laws could help new green energy companies sprout up. The need for green energy is needed to prevent air and water pollution in the future.




C) The need for green energy is universal on a large scale. The customer is anyone and everyone who wants to move away from traditional methods of energy production.




D)The opportunity is not an easy one to take advantage of. Although green energy is an unmet need, there are higher powers at play that decide regulations for traditional energy companies so it may be a long process.