Cicha Łąka

So if you talk to them and you say, “I will do a carpet cleaning for this amount of money. And then we can go ahead and sign you up. And every single six months or three months,”-whatever you can convince them into-“I will come and I will clean it again.”

If they sign up for a membership with your service, basically every six months, you can go clean it and you can do that again, and again, and again. Once you have 10, 20, 30 clients you start making some decent money there for sure.

Now, in terms of how much you could make every single month by the end of your first year (you’d be getting some referrals and getting some people), I think it’s realistic to say somewhere between 250 to 500 hours a month is a reasonable range when you’re starting in this type of business. (więcej…)

Changes in Bank Credit Supply and CI Loan Growth

Table 1 presents the results of regressing CI loan growth on the tightening index and the reported change in CI loan demand for the period from 1990 to 2019. The estimates in column 1, which omits the quarter fixed effects, imply that a one standard deviation increase in the tightening index is associated with a 3.13 percentage point drop in CI loan growth in the following year.

Columns 2 and 3 add macroeconomic controls and quarter fixed effects to the specification, respectively. 7 The predicted effects of tightening ents are accounted for, indicating that banks tend to tighten during times of West Virginia installment loans stress, when balances would fall even without a change in supply conditions. However, the coefficient on the tightening index is still economically and statistically significant. 2 percent relative to other banks over the same time. (więcej…)