This document provides details on a loan issued on August 16, 1996 for $183,000 with a 30 year term and 6.5% interest rate. It includes a history of payments made against the loan through May 2006, with the current balance owing of $166,703. Regular monthly payments were made along with occasional additional payments of both principal and interest. Fees and insurance payments are also listed. The loan was taken out to finance a housing project.
The document discusses how technology is rapidly changing and disrupting many industries. It notes that the amount of data being created is growing exponentially, with 7.9 zetabytes of data predicted to be created by 2015. This data and new technologies are enabling more devices and people to connect, including the next 5 billion internet users. To succeed in the future, companies must anticipate changes, transform how they operate, and take action in response to new opportunities around mobile usage, the internet of things, and information proliferation.
This document provides details on a loan issued on August 16, 1996 for $183,000 with a 30 year term and 6.5% interest rate. It includes a history of payments made against the loan through May 2006, with the current balance owing of $166,703. Regular monthly payments were made along with occasional additional payments of both principal and interest. Fees and insurance payments are also listed. The loan was taken out to finance a housing project.
The document discusses how technology is rapidly changing and disrupting many industries. It notes that the amount of data being created is growing exponentially, with 7.9 zetabytes of data predicted to be created by 2015. This data and new technologies are enabling more devices and people to connect, including the next 5 billion internet users. To succeed in the future, companies must anticipate changes, transform how they operate, and take action in response to new opportunities around mobile usage, the internet of things, and information proliferation.
The document provides guidance on successfully transforming an organization. It discusses:
1) Overcoming resistance to change is crucial, as change is scary and people naturally resist dramatic changes. Leaders must realize people won't love them for causing disruption.
2) To achieve transformation, leaders must set clear objectives, engage all levels of leadership, overcome resistance through persistence and follow through, and hold people accountable for adopting new ways of working.
3) Focusing on establishing a clear vision, engaging and aligning leadership, and taking a systematic approach that links strategy and organization can help speed up transformation and minimize costs and disruption despite initial productivity declines due to change.
This document provides tips for keeping interns engaged by establishing structure and clear expectations. It recommends (1) creating context by explaining how their work fits into larger goals, (2) establishing performance standards and examples of exceptional work on day one, and (3) setting a schedule with deadlines and expected progress to provide guidance. It also stresses the importance of monitoring progress, providing feedback, and expressing gratitude to maintain engagement.
This document introduces a student named Leandro Ramirez Giraldo and has him answer questions about himself, including his name, age, hobbies, favorite subjects in school, and more. It then has him find a partner, Carlos Daniel Carmona Pulgarin, and they ask and answer the same questions to learn about each other. Finally, Leandro is asked to summarize what he learned about his partner and identify any common interests or activities they have.
The document discusses tools and techniques for big data analytics, including A/B testing, crowdsourcing, machine learning, and data mining. It provides an overview of the big data analysis pipeline, including data acquisition, information extraction, integration and representation, query processing and analysis, and interpretation. The document also discusses fields where big data is relevant like industry, healthcare, and research. It analyzes tools like A/B testing, machine learning, and data mining techniques in more detail.
The document provides guidance on successfully transforming an organization. It discusses:
1) Overcoming resistance to change is crucial, as change is scary and people naturally resist dramatic changes. Leaders must realize people won't love them for causing disruption.
2) To achieve transformation, leaders must set clear objectives, engage all levels of leadership, overcome resistance through persistence and follow through, and hold people accountable for adopting new ways of working.
3) Focusing on establishing a clear vision, engaging and aligning leadership, and taking a systematic approach that links strategy and organization can help speed up transformation and minimize costs and disruption despite initial productivity declines due to change.
This document provides tips for keeping interns engaged by establishing structure and clear expectations. It recommends (1) creating context by explaining how their work fits into larger goals, (2) establishing performance standards and examples of exceptional work on day one, and (3) setting a schedule with deadlines and expected progress to provide guidance. It also stresses the importance of monitoring progress, providing feedback, and expressing gratitude to maintain engagement.
This document introduces a student named Leandro Ramirez Giraldo and has him answer questions about himself, including his name, age, hobbies, favorite subjects in school, and more. It then has him find a partner, Carlos Daniel Carmona Pulgarin, and they ask and answer the same questions to learn about each other. Finally, Leandro is asked to summarize what he learned about his partner and identify any common interests or activities they have.
The document discusses tools and techniques for big data analytics, including A/B testing, crowdsourcing, machine learning, and data mining. It provides an overview of the big data analysis pipeline, including data acquisition, information extraction, integration and representation, query processing and analysis, and interpretation. The document also discusses fields where big data is relevant like industry, healthcare, and research. It analyzes tools like A/B testing, machine learning, and data mining techniques in more detail.
9. 10
Индекс готовности покупать в интернете
0%
5%
10%
15%
20%
25%
30%
Доля пользователей, которые переходят в магазин с Маркета
10. 11
Количество и оборот сетевых магазинов
220
168
50
62
38
27
0%
20%
40%
60%
80%
100%
120%
0
50
100
150
200
250
Оборот Сетевых магазинов
По данным Маркета
11. 12
Эволюция магазинов в Санкт-Петербурге
Из top50 магазинов на Маркете:
• Федеральные сети – 29
(ulmart.ru, 220-volt.ru, citilink.ru)
• Локальные сети – 11
(cyberry.ru, key.ru, petrovichstd.ru)
• Местные магазины – 10
(ЦиFры, scorpion.ru, sebevdom.ru)
Условия роста:
от локального к федеральному магазину
15. 17
Какими устройствами пользовались
при последней покупке?
(среди тех у кого есть смартфон или планшет)
8%
8%
100%
Смартфон
Планшет
Компьютер
или
ноутбук
Компьютер или
ноутбук
Смартфон
Планшет
В США уже 87% используют
мобильный интернет для покупок
16. 18
Каким способом в итоге оформили
заказ?
(среди тех, кто когда-либо пользовался планшетом или смартфоном
для поиска товара)
80%
6%
8%
6%
Компьютер или
ноутбук
Смартфон
Планшет
Телефон
17. 19
Что делать в первую очередь?
4 млн пользователей 1 млн пользователей