The document is a survey report from the National Association of Realtors about investment and vacation home buyers in 2008.
[1] It found that 70% of home sales were for primary residences, while 9% were for vacation homes and 21% were for investment properties.
[2] Vacation home sales fell 30.8% from 2007 to an estimated 512,000 units, while the median price fell 23.1% to $150,000.
[3] Residential investment property sales fell 17.2% to 1.117 million units, and the median price fell 28% to $108,000.
The Affordable Care Act and Businesses Where People are the Keylcatchpole
ACA is coming. It will be the biggest business change since the Internet. Businesses have the opportunity to change the future of healthcare inthe US. Business' know how to control costs. Businesses (mostly) care about their employees.
Here we talk to the high level forces at work in healthcare including ACA.
And here we talk to things employers can do to take control of healthcare costs - before they no longer can.
Home Prices Up - Unit Sales Down August 2010 vs 2009
The average price for August transactions was $411,012 – up six per cent compared to the average of $387,921 reported in August 2009.
Visit www.OurHomeToronto.com to review actual listing prices and offerings.
Spencer Levy - Capital Markets 2.0 - Did We Speak Too Soon?Ryan Slack
The document discusses recent market trends and statistics for commercial real estate investment sales in the United States. It notes that investment sales in 2011 are on pace to reach 2003-2004 levels across various property types like apartments, hotels, industrial, office, and retail. Transaction volume is up significantly from 2010 but still below peaks seen in 2006-2007. Debt financing for commercial real estate also increased substantially in the first half of 2011 compared to the previous year. The document provides charts and data on investment sales, property types, debt financing, and the breakdown of buyers and sellers in the commercial real estate market.
Dr. Julie Schoenman’s presentation for the MILI Actuarial Seminar series, “A Detailed Look at US Health Care Spending,” covers recent trends in public and private spending as well as the implications of rising spending for the federal budget outlook and for consumers.
Robert Knakal is the chairman and founding partner of Massey Knakal Realty Services, a commercial real estate brokerage firm. This document provides an overview and analysis of the New York City multi-family residential sales market from 2005 to 2011 based on data from Massey Knakal. It includes statistics on total sales volume, number of properties sold, average sale price per property, and capitalization rates for walk-up and elevator buildings across the five boroughs over this period.
This document discusses software valuation and business models. It provides an example of valuing a software product over multiple versions, showing that expected sales and profits are typically lower than initial estimates once factors like slower adoption rates and customers not upgrading to new versions are accounted for. Alternative business models like charging for ongoing maintenance are discussed, and can provide longer-term income streams even after sales taper off. The document emphasizes keeping development costs low and designing software to have low maintenance needs.
The document discusses healthcare in the United States. It covers several topics related to US healthcare, including what makes the US system different compared to other developed countries, what health insurance looks like in the US, costs associated with diabetes, and who pays for healthcare. The US system is unique in that it does not have universal healthcare coverage and relies more heavily on private insurance compared to other countries which have nationalized systems. Healthcare costs, especially for conditions like diabetes, place a large financial burden on individuals and the system.
The Affordable Care Act and Businesses Where People are the Keylcatchpole
ACA is coming. It will be the biggest business change since the Internet. Businesses have the opportunity to change the future of healthcare inthe US. Business' know how to control costs. Businesses (mostly) care about their employees.
Here we talk to the high level forces at work in healthcare including ACA.
And here we talk to things employers can do to take control of healthcare costs - before they no longer can.
Home Prices Up - Unit Sales Down August 2010 vs 2009
The average price for August transactions was $411,012 – up six per cent compared to the average of $387,921 reported in August 2009.
Visit www.OurHomeToronto.com to review actual listing prices and offerings.
Spencer Levy - Capital Markets 2.0 - Did We Speak Too Soon?Ryan Slack
The document discusses recent market trends and statistics for commercial real estate investment sales in the United States. It notes that investment sales in 2011 are on pace to reach 2003-2004 levels across various property types like apartments, hotels, industrial, office, and retail. Transaction volume is up significantly from 2010 but still below peaks seen in 2006-2007. Debt financing for commercial real estate also increased substantially in the first half of 2011 compared to the previous year. The document provides charts and data on investment sales, property types, debt financing, and the breakdown of buyers and sellers in the commercial real estate market.
Dr. Julie Schoenman’s presentation for the MILI Actuarial Seminar series, “A Detailed Look at US Health Care Spending,” covers recent trends in public and private spending as well as the implications of rising spending for the federal budget outlook and for consumers.
Robert Knakal is the chairman and founding partner of Massey Knakal Realty Services, a commercial real estate brokerage firm. This document provides an overview and analysis of the New York City multi-family residential sales market from 2005 to 2011 based on data from Massey Knakal. It includes statistics on total sales volume, number of properties sold, average sale price per property, and capitalization rates for walk-up and elevator buildings across the five boroughs over this period.
This document discusses software valuation and business models. It provides an example of valuing a software product over multiple versions, showing that expected sales and profits are typically lower than initial estimates once factors like slower adoption rates and customers not upgrading to new versions are accounted for. Alternative business models like charging for ongoing maintenance are discussed, and can provide longer-term income streams even after sales taper off. The document emphasizes keeping development costs low and designing software to have low maintenance needs.
The document discusses healthcare in the United States. It covers several topics related to US healthcare, including what makes the US system different compared to other developed countries, what health insurance looks like in the US, costs associated with diabetes, and who pays for healthcare. The US system is unique in that it does not have universal healthcare coverage and relies more heavily on private insurance compared to other countries which have nationalized systems. Healthcare costs, especially for conditions like diabetes, place a large financial burden on individuals and the system.
Dr. Julie Schoenman’s presentation for the MILI Actuarial Seminar series, “A Detailed Look at US Health Care Spending,” covers recent trends in public and private spending as well as the implications of rising spending for the federal budget outlook and for consumers.
This annual report document summarizes the financial highlights and performance of Pulte Homes for the years 1999-2003. Some key points:
- Revenues and income from continuing operations reached record levels in 2003 of $9.0 billion and $617 million, respectively.
- Earnings per share increased 36% to $4.91 in 2003, while book value per share grew 22% to $27.55.
- Domestic homebuilding operations drove overall growth, with settlement revenues increasing 21% to $8.7 billion in 2003.
- The company is pursuing four business initiatives to further improve performance: expanding market share through segmentation, achieving greater operational excellence, developing employees, and maintaining financial discipline.
omnicom group Q3 2007 Investor Presentationfinance22
Omnicom Group presented results for the third quarter of 2007. Revenue increased 11.8% to $3.1 billion compared to the third quarter of 2006. Net income rose 14.2% to $202.2 million. Acquisition spending totaled $329 million for the first nine months of 2007, and potential future earn-out obligations total $374 million if acquired agencies maintain current performance levels through 2010 and beyond.
Ecolab is a global leader in cleaning, sanitizing, pest elimination, maintenance and repair products and services. It serves customers in over 160 countries across various industries including hospitality, foodservice, healthcare, industrial and commercial markets. Ecolab employs over 22,000 people worldwide and had $4.5 billion in net sales in 2005. It markets its products and services through the largest direct sales force in its industry.
The document provides instructions and examples for using a Pitchbook template in PowerPoint. Key points:
1) Pitchbooks are structured presentations with dense text and simple graphics intended for print rather than projection.
2) The template enables communication of large amounts of information consistently across slides and sections.
3) Customizing the template includes replacing the generic logo, adding additional layouts, and varying slide colors to distinguish sections.
4) Sample slides show an annual report, market risk analysis, sales figures, and a business summary with organizational structure.
Tech M&A Outlook - presented by Mgi research bloomberg l.p. march 2012 conf...MGI_Research
This document discusses tech M&A trends and outlook. It finds that large buyers like IBM, Oracle, and Google are looking to acquire companies to boost topline growth, especially in cloud computing, big data, and mobile. Potential sellers include smaller SaaS and cloud tech companies. The document also notes sectors and companies that may see deals, including healthcare IT and fallen tech giants trying to reinvent themselves. It concludes with contact information for the research firm.
This document is the agenda for the 2012 Annual Meeting of Shareholders. It provides an overview of the company's financial performance in 2011, highlights of Q1 2012 results, regulatory proceedings and infrastructure investment. Key metrics presented include operating revenues, net income, earnings per share as well as details of capital expenditures, acquisitions, and community investment. The meeting agenda also provides an update on strategic initiatives including technology upgrades, training programs, and executive leadership changes.
Ecolab's 2005 annual report provides the following information:
1) Ecolab is the leading global provider of cleaning and sanitizing products and services, serving customers in over 160 countries.
2) In 2005, Ecolab reported net sales of $4.5 billion, a 8% increase from 2004, and net income of $319 million, a 13% increase.
3) Ecolab aims to provide comprehensive solutions and service to customers in industries like hospitality, healthcare, food processing, and commercial laundries.
This document discusses options for paying off a mortgage more quickly. It shows that on average, clients can pay off a 30-year mortgage in 8-14 years by making additional principal payments without increasing their monthly payments. It also compares the total interest paid over 12, 25, and 30 years for a $200,000 mortgage. Finally, it provides an example of using a line of credit as a checking account to funnel extra income towards the principal each month.
In June 2012 in Oklahoma:
- Home sales increased 7.91% from the previous year while new listings decreased 9.64%.
- The average home sale price rose 3.75% to $161,207, and homes sold an average of 76.85 days on the market, down 7.47% from the previous year.
- Active housing inventory declined 14.76% to 22,400 homes, representing a 7.22 month supply based on the average absorption rate over the last 12 months.
World Fuel Services Corporation reported strong financial results for 2003 with revenue increasing 40% to $2.7 billion compared to 2002. Net income increased 52.5% to $21.9 million resulting in diluted earnings per share rising 48.5% to $1.96. Both the aviation and marine fuel divisions experienced increased revenue and income from operations. Looking forward, the company expects continued growth with the recent acquisition of Tramp Oil, one of the largest marine fuel services groups.
The document provides housing market statistics for the East District region in June 2010. Some key details include:
- Total active listings were 5,012 and total sales were 1,946 in June, with a total sales volume of $657.3 million.
- The average price in June was $337,770 and the median price was $318,000. Average days on the market was 26 days.
- For the year to date period, total listings were 21,235, total sales were 11,343, with a total sales volume of $3.84 billion. The average price was $338,964 and median was $314,000.
Home sales in British Columbia were relatively unchanged in June 2021 compared to the same month the previous year. The average home price rose 14.4% to $571,837 in June 2021 compared to June 2020. While sales were steady, low interest rates and expected growth in employment are factors that may increase consumer incentive for home purchases over the summer. Year-to-date, home sales dollar volume increased 15.5% compared to the same period in 2020.
omnicom group Q2 2007 Investor Presentationfinance22
The document provides an overview of Omnicom Group's second quarter 2007 results. It summarizes key financial metrics such as revenue growth of 10.7% year-over-year, operating income growth of 10.6%, and net income growth of 13.4%. The summary also breaks down revenue and growth by business discipline, geography, and sources of revenue growth including foreign exchange, acquisitions, and organic growth. Additional sections cover cash flow, credit profile, liquidity, acquisitions, and potential earn-out obligations.
Ecolab is a leading global developer and marketer of cleaning, sanitizing, pest elimination, maintenance and repair products and services. It serves the hospitality, foodservice, institutional and industrial markets. In 2003, Ecolab reported net sales of $3.76 billion, net income of $277 million, and diluted net income per share of $1.06. Ecolab is headquartered in St. Paul, Minnesota and employs over 20,000 associates worldwide serving customers in hotels, restaurants, healthcare facilities, grocery stores, and other industries.
This document provides information about mortgages and strategies for paying off a mortgage more quickly. It discusses how the typical 30-year mortgage results in paying much more in interest over the life of the loan. The document then presents strategies for paying off a 30-year mortgage in as little as 8-14 years by making additional principal payments without increasing monthly payments. These strategies can save tens of thousands of dollars in interest costs over the life of the loan.
Bob White - State of the Market by the NumbersRyan Slack
Beyond Distress
1) Transaction volumes were strong in the second quarter and first half of 2011, with a broad rebound in sales across most major property types. Office, apartment, retail, seniors and care facilities, hotels, and industrial properties all saw significant year-over-year increases in sales volumes.
2) However, US investment markets may be stumbling as the commercial mortgage-backed securities (CMBS) market has become turbulent with conduits pulling back on issuance significantly compared to recent quarters.
3) The amount of distressed properties is improving slowly, with additions to distress down but still significant and sales of distressed properties rising, suggesting an end to the "extend and pretend" approach some
David Rubenstein's SuperReturn Presentationdanprimack
The global credit meltdown has significantly changed the private equity industry in several ways:
1) Dealmaking and fundraising have declined dramatically since 2007 as confidence has diminished and focus has shifted to preserving existing portfolio company values.
2) The nature of new investments has changed, with deals now being smaller in size and requiring more equity.
3) Exits have become more difficult, which will lead to lower returns and fewer distributions to investors.
4) The challenges facing the industry include adapting business models to the changed environment, improving communication with governments and investors, and strengthening limited partner relationships and trust.
1. Stryker Corporation is a global medical technology company focused on reconstructive, medical and surgical, and neurotechnology and spine products.
2. For 2007, Stryker reported net sales of $6 billion, net earnings of $1.02 billion, and diluted earnings per share of $2.44, representing year-over-year growth of 17%, 31%, and 29%, respectively.
3. On an adjusted basis, Stryker reported net earnings from continuing operations of $999 million and adjusted diluted earnings per share from continuing operations of $2.40 for 2007, representing year-over-year growth of 21% and 20%, respectively.
The document provides annual real estate statistics for the Greater Austin, Texas area in 2007. Some key points:
- The population of Greater Austin was 1.25 million in 2007 and is projected to grow by 1 million people in the next 10 years.
- In 2007, the average home sales price in Austin was $249,543, up from $234,601 in 2006. The median sales price was $184,040, an increase of $10,000 from 2006.
- In December 2007, the average number of days homes spent on the market before being sold was 78 days. The average for all of 2007 was 64 days.
Dr. Julie Schoenman’s presentation for the MILI Actuarial Seminar series, “A Detailed Look at US Health Care Spending,” covers recent trends in public and private spending as well as the implications of rising spending for the federal budget outlook and for consumers.
This annual report document summarizes the financial highlights and performance of Pulte Homes for the years 1999-2003. Some key points:
- Revenues and income from continuing operations reached record levels in 2003 of $9.0 billion and $617 million, respectively.
- Earnings per share increased 36% to $4.91 in 2003, while book value per share grew 22% to $27.55.
- Domestic homebuilding operations drove overall growth, with settlement revenues increasing 21% to $8.7 billion in 2003.
- The company is pursuing four business initiatives to further improve performance: expanding market share through segmentation, achieving greater operational excellence, developing employees, and maintaining financial discipline.
omnicom group Q3 2007 Investor Presentationfinance22
Omnicom Group presented results for the third quarter of 2007. Revenue increased 11.8% to $3.1 billion compared to the third quarter of 2006. Net income rose 14.2% to $202.2 million. Acquisition spending totaled $329 million for the first nine months of 2007, and potential future earn-out obligations total $374 million if acquired agencies maintain current performance levels through 2010 and beyond.
Ecolab is a global leader in cleaning, sanitizing, pest elimination, maintenance and repair products and services. It serves customers in over 160 countries across various industries including hospitality, foodservice, healthcare, industrial and commercial markets. Ecolab employs over 22,000 people worldwide and had $4.5 billion in net sales in 2005. It markets its products and services through the largest direct sales force in its industry.
The document provides instructions and examples for using a Pitchbook template in PowerPoint. Key points:
1) Pitchbooks are structured presentations with dense text and simple graphics intended for print rather than projection.
2) The template enables communication of large amounts of information consistently across slides and sections.
3) Customizing the template includes replacing the generic logo, adding additional layouts, and varying slide colors to distinguish sections.
4) Sample slides show an annual report, market risk analysis, sales figures, and a business summary with organizational structure.
Tech M&A Outlook - presented by Mgi research bloomberg l.p. march 2012 conf...MGI_Research
This document discusses tech M&A trends and outlook. It finds that large buyers like IBM, Oracle, and Google are looking to acquire companies to boost topline growth, especially in cloud computing, big data, and mobile. Potential sellers include smaller SaaS and cloud tech companies. The document also notes sectors and companies that may see deals, including healthcare IT and fallen tech giants trying to reinvent themselves. It concludes with contact information for the research firm.
This document is the agenda for the 2012 Annual Meeting of Shareholders. It provides an overview of the company's financial performance in 2011, highlights of Q1 2012 results, regulatory proceedings and infrastructure investment. Key metrics presented include operating revenues, net income, earnings per share as well as details of capital expenditures, acquisitions, and community investment. The meeting agenda also provides an update on strategic initiatives including technology upgrades, training programs, and executive leadership changes.
Ecolab's 2005 annual report provides the following information:
1) Ecolab is the leading global provider of cleaning and sanitizing products and services, serving customers in over 160 countries.
2) In 2005, Ecolab reported net sales of $4.5 billion, a 8% increase from 2004, and net income of $319 million, a 13% increase.
3) Ecolab aims to provide comprehensive solutions and service to customers in industries like hospitality, healthcare, food processing, and commercial laundries.
This document discusses options for paying off a mortgage more quickly. It shows that on average, clients can pay off a 30-year mortgage in 8-14 years by making additional principal payments without increasing their monthly payments. It also compares the total interest paid over 12, 25, and 30 years for a $200,000 mortgage. Finally, it provides an example of using a line of credit as a checking account to funnel extra income towards the principal each month.
In June 2012 in Oklahoma:
- Home sales increased 7.91% from the previous year while new listings decreased 9.64%.
- The average home sale price rose 3.75% to $161,207, and homes sold an average of 76.85 days on the market, down 7.47% from the previous year.
- Active housing inventory declined 14.76% to 22,400 homes, representing a 7.22 month supply based on the average absorption rate over the last 12 months.
World Fuel Services Corporation reported strong financial results for 2003 with revenue increasing 40% to $2.7 billion compared to 2002. Net income increased 52.5% to $21.9 million resulting in diluted earnings per share rising 48.5% to $1.96. Both the aviation and marine fuel divisions experienced increased revenue and income from operations. Looking forward, the company expects continued growth with the recent acquisition of Tramp Oil, one of the largest marine fuel services groups.
The document provides housing market statistics for the East District region in June 2010. Some key details include:
- Total active listings were 5,012 and total sales were 1,946 in June, with a total sales volume of $657.3 million.
- The average price in June was $337,770 and the median price was $318,000. Average days on the market was 26 days.
- For the year to date period, total listings were 21,235, total sales were 11,343, with a total sales volume of $3.84 billion. The average price was $338,964 and median was $314,000.
Home sales in British Columbia were relatively unchanged in June 2021 compared to the same month the previous year. The average home price rose 14.4% to $571,837 in June 2021 compared to June 2020. While sales were steady, low interest rates and expected growth in employment are factors that may increase consumer incentive for home purchases over the summer. Year-to-date, home sales dollar volume increased 15.5% compared to the same period in 2020.
omnicom group Q2 2007 Investor Presentationfinance22
The document provides an overview of Omnicom Group's second quarter 2007 results. It summarizes key financial metrics such as revenue growth of 10.7% year-over-year, operating income growth of 10.6%, and net income growth of 13.4%. The summary also breaks down revenue and growth by business discipline, geography, and sources of revenue growth including foreign exchange, acquisitions, and organic growth. Additional sections cover cash flow, credit profile, liquidity, acquisitions, and potential earn-out obligations.
Ecolab is a leading global developer and marketer of cleaning, sanitizing, pest elimination, maintenance and repair products and services. It serves the hospitality, foodservice, institutional and industrial markets. In 2003, Ecolab reported net sales of $3.76 billion, net income of $277 million, and diluted net income per share of $1.06. Ecolab is headquartered in St. Paul, Minnesota and employs over 20,000 associates worldwide serving customers in hotels, restaurants, healthcare facilities, grocery stores, and other industries.
This document provides information about mortgages and strategies for paying off a mortgage more quickly. It discusses how the typical 30-year mortgage results in paying much more in interest over the life of the loan. The document then presents strategies for paying off a 30-year mortgage in as little as 8-14 years by making additional principal payments without increasing monthly payments. These strategies can save tens of thousands of dollars in interest costs over the life of the loan.
Bob White - State of the Market by the NumbersRyan Slack
Beyond Distress
1) Transaction volumes were strong in the second quarter and first half of 2011, with a broad rebound in sales across most major property types. Office, apartment, retail, seniors and care facilities, hotels, and industrial properties all saw significant year-over-year increases in sales volumes.
2) However, US investment markets may be stumbling as the commercial mortgage-backed securities (CMBS) market has become turbulent with conduits pulling back on issuance significantly compared to recent quarters.
3) The amount of distressed properties is improving slowly, with additions to distress down but still significant and sales of distressed properties rising, suggesting an end to the "extend and pretend" approach some
David Rubenstein's SuperReturn Presentationdanprimack
The global credit meltdown has significantly changed the private equity industry in several ways:
1) Dealmaking and fundraising have declined dramatically since 2007 as confidence has diminished and focus has shifted to preserving existing portfolio company values.
2) The nature of new investments has changed, with deals now being smaller in size and requiring more equity.
3) Exits have become more difficult, which will lead to lower returns and fewer distributions to investors.
4) The challenges facing the industry include adapting business models to the changed environment, improving communication with governments and investors, and strengthening limited partner relationships and trust.
1. Stryker Corporation is a global medical technology company focused on reconstructive, medical and surgical, and neurotechnology and spine products.
2. For 2007, Stryker reported net sales of $6 billion, net earnings of $1.02 billion, and diluted earnings per share of $2.44, representing year-over-year growth of 17%, 31%, and 29%, respectively.
3. On an adjusted basis, Stryker reported net earnings from continuing operations of $999 million and adjusted diluted earnings per share from continuing operations of $2.40 for 2007, representing year-over-year growth of 21% and 20%, respectively.
The document provides annual real estate statistics for the Greater Austin, Texas area in 2007. Some key points:
- The population of Greater Austin was 1.25 million in 2007 and is projected to grow by 1 million people in the next 10 years.
- In 2007, the average home sales price in Austin was $249,543, up from $234,601 in 2006. The median sales price was $184,040, an increase of $10,000 from 2006.
- In December 2007, the average number of days homes spent on the market before being sold was 78 days. The average for all of 2007 was 64 days.
Please visit our online professional network and join our community of Automotive Social Media Marketing professionals at http://www.ADPsocialMarketing.com
In this issue of Math in the News we look at the future of Research in Motion's Blackberry, in light of the rise of the iPhone and Android devices. For more math media resources, go to http://www.media4math.com.
The GTA housing market saw a decline in sales in April 2022 compared to the previous year and month. Sales were down 41.2% year-over-year and 27% month-over-month. Despite slower sales, average home prices remained higher than in April 2021, up 15% to $1,254,436, though down slightly from March 2022. With higher interest rates, some buyers have delayed purchases as affordability has decreased. Moving forward, price growth is expected to moderate from the double-digit gains seen in 2021 as buyer competition cools with more choice in the market.
PPG Industries reported second quarter 2007 financial results, with record quarterly sales of $3.17 billion, up 12% from the previous year. Net income was $249 million compared to $280 million last year, impacted by $6 million in asbestos settlement charges. Business segment sales increased across all segments, led by a 26% rise in the Performance and Applied Coatings segment. The document discusses PPG's business performance, economic indicators, uses of cash, and contact information for investors and media.
home depot 2008 Annual Meeting of Stockholdersfinance2
This document summarizes The Home Depot's 2008 Annual Meeting of Shareholders. It provides an overview of the company's financial performance in 2007, including a 2% decrease in sales and an 11% decrease in net earnings per share. It also outlines the company's five priorities for 2007 which were investing in associate engagement, shopping environment, product availability, product excitement, and owning the professional customer. The outlook anticipates 2008 will be another difficult year with guidance for a 4-5% sales decrease and a 19-24% decrease in earnings per share. The company will continue investing in its key priorities and allocating capital efficiently.
The global credit meltdown has significantly changed the private equity industry in several ways:
1) Confidence in private equity's ability to achieve high returns has diminished.
2) Private equity has ceased being a highly visible economic driver.
3) Firms are now focused on preserving the value of existing holdings rather than new deals.
4) Opportunities for exits and distributions have declined, resulting in lower returns.
However, some of these changes may be for the better as reduced prices will likely yield high future returns, and a return to less frenzied dealmaking could be positive. Challenges remain for the industry to adapt to the new environment.
The document provides an annual report on the real estate market. It summarizes sales volumes and median home prices for several cities in Southwest California for 2010. Several key points are made:
- Home sales increased over 30% year-over-year in 4 cities and over 25% in the other two cities compared to 2009 levels. Total sales revenue also increased.
- Median home prices remained largely stable compared to 2009 and 2008 levels, suggesting the market may have stabilized after declines in prior years.
- Strong first half sales volumes helped annual numbers despite slowing in the second half of the year. The outlook for 2011 is uncertain depending on broader economic and jobs trends.
GameStop held its 2007 Annual Meeting of Stockholders. The document provided an overview of GameStop's business including its global store base which totals over 4,800 stores across the US, Europe, Canada, and Australia. Financial information was presented showing sales growth from $1 billion in 1999 to a projected $6.4 billion in 2007, as well as income statement details such as a 57% increase in net income from 2005 to 2006. Drivers for continued growth in 2007 were identified as the expanding installed base of video game platforms and a strong lineup of new game titles.
GameStop held its 2007 Annual Meeting of Stockholders. The document provided an overview of GameStop's business including its global store base which totals over 4,800 stores across the US, Europe, Canada, and Australia. Financial information was presented showing sales growth from $1 billion in 1999 to an estimated $6.4 billion in 2007, as well as income statement details such as a 57% increase in net income from 2005 to 2006. Drivers for continued growth in the video game market in 2007 were also outlined.
The document discusses the state of the housing market in Southwest California. It notes that while national home prices have fallen to 2002 levels, home prices in Southwest California stabilized over a year ago after bottoming out faster than most of the country. The local housing market is faring better than many other parts of the U.S., with demand remaining steady. However, sales volumes are lower than last year due to the expiration of homebuyer tax credits. The health of the local market in the second half of the year remains uncertain.
The document summarizes housing market trends in early 2012. It shows that existing home sales remain strong with over 12,500 homes sold daily. Pending home sales and monthly inventory levels are improving. Mortgage rates are near all-time lows and home prices are expected to continue declining in 2012 as the large shadow inventory of distressed homes works through the system, pushing up short sales and foreclosures. However, projections call for a gradual, steady recovery in the housing market supported by job growth and low interest rates.
The document summarizes questions and data from the Green Pearl Chicago Distressed Real Estate Summit in May 2010. It includes questions about justified value increases in the real estate market, opportunities to purchase distressed assets from lenders, the impact of maturing commercial mortgage backed securities, and the outlook for apartment and multifamily development. Charts show a rebound in apartment transaction volumes and significant maturities of multifamily loans from institutional lenders between 2010 to 2017. The presentation examines whether government agencies can replace reduced lending from other investor groups.
Distressed Multifamily Opportunities: Who Will Be the First to Jump In, and Who Will Follow? by Mike Kelly, President, Caldera Asset Management. Presented at GreenPearl Events' Distressed Real Estate Summit Chicago on May 13, 2010.
May 2021 Real Estate Board of Greater Vancouver Statistics PackageVicky Aulakh
- Home sales and listings in Metro Vancouver slowed in May compared to record levels in March and April, though remained above long-term averages.
- Residential home sales totaled 4,268 in May, a 187% increase year-over-year but a 13% decrease from April.
- The number of newly listed homes was 7,125 in May, a 93% increase year-over-year but a 10% decrease from April.
- Benchmark home prices rose 14% year-over-year in Metro Vancouver, with detached homes seeing a 23% increase.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
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2009 Nar Vacation Buyer Profile
1. 2009 NATIONAL
ASSOCIATION OF
®
REALTORS
INVESTMENT AND
VACATION HOME
BUYERS SURVEY
Produced by the NATIONAL ASSOCIATION OF REALTORS® Research Division
March 2009
2. 2009 NAR Investment and Vacation
Home Buyers Survey
Contents
Introduction ................................................................................... 3
Market Environment ................................................................. 3
The Motivation for Purchasing a Home ..................................... 3
The Investment and Vacation Home Market in 2007 ................. 4
Methodology ............................................................................. 4
Exhibit 1: Investment and Vacation Home Sales and Price ............... 5
Exhibit 2: Buyer Characteristics ....................................................... 6
Exhibit 3: Property Characteristics .................................................. 7
Exhibit 4: Method of Purchase and Financing .................................. 8
Exhibit 5: Buyer Motivation and Expectations ................................. 9
NATIONAL ASSOCIATION OF REALTORS® 2
3. 2009 NAR Investment and Vacation Home Buyers Survey
Introduction
The motivation for purchasing a home and the type of home that buyers purchase
are influenced by a number of factors. Most buyers purchase a home to use as their
primary residence, but financial or lifestyle considerations lead many households to
purchase a vacation home or a residential investment property. Because the
purchase of each type of property is often influenced by different factors it is
important to understand how changes in the market environment affect each
segment. The goal of the NAR Investment and Vacation Home Buyers Survey is to
estimate the number of home sales that fall into each category and track how sales
and prices in each vary over time.
Market Environment
Economic activity weakened significantly throughout 2008. Rising unemployment
and accelerating job loss weighed on consumer confidence while the unfolding
financial crisis resulted in a sharply curtailed flow of credit throughout the
economy. Existing home sales remained relatively flat at an annual rate of
approximately 5 million but prices fell as rising inventories and an increasing
number of distressed properties came on to the market. New home sales fell
dramatically, with a decline of 37.2 percent to 482,000 units.
The Changing Composition of Residential Sales
In 2008, 70 percent of home buyers indicated that they purchased a home to use as
their primary residence, an increase from 67 percent in 2007 and up significantly
from 60 percent in 2005. Most often, buyers purchase a primary residence based on
job relocation needs, formation of a new household or changes in family
circumstances necessitating a larger or smaller home or a home in a different
location. These factors are present – perhaps to a larger or smaller degree –
whether the economy is expanding or contracting.
For the remaining 30 percent of home buyers, the motivation to purchase an
investment property or vacation home is influenced by a variety of factors. In an
environment of economic uncertainty, discretionary purchases such as vacation
homes can be more easily delayed than the purchase of a primary residence as
evident from the decline in the share of vacation home purchases to 9 percent in
2008 from 12 percent in 2007.
For buyers of investment properties, the potential financial gains are far more
important; the purchase of a home is a dollars-and-cents decision resting in part on
current cash flow from rental income and expectations of future price appreciation.
Even in a difficult economic environment, investment opportunities exist. During
the past three years as the overall housing market softened, residential investment
properties accounted for just over one in five purchases each year.
NATIONAL ASSOCIATION OF REALTORS® 3
4. 2009 NAR Investment and Vacation Home Buyers Survey
The Investment and Vacation Home Market in 2008
In 2008, an estimated 70 percent of homes (including both new and previously-
owned homes) were purchased for use as the buyer’s primary residence. This share
represents 3.766 million home sales, down from 4.336 million sales in 2007. While
new and existing home sales fell 16 percent in 2008, sales of primary residences
declined by a smaller 13.2 percent. Overall, the market for primary residences was
somewhat more resilient; even in a declining real estate market, households
continue to purchase a first home or relocate to another home for a variety of
reasons.
Vacation home sales fell 30.8 percent to an estimated 512,000 units. The median
price of a vacation home also fell sharply to $150,000, a decline of 23.1 percent
from 2007. A significant majority of vacation home buyers – 89 percent –
purchased a property for their personal use, while one-quarter also considered the
rental potential. Twenty-six percent purchased a vacation home with the
expectation of converting it to their primary residence in the future. Vacation home
buyers expect to own their property for a median of 12 years. Slightly fewer than
one-third of vacation home buyers paid cash for their property.
Residential investment property sales fell 17.2 to 1.117 million, less than half of the
sales level in 2005. The median price fell 28 percent to $108,000 in 2008. Eighty-
four percent of investment property buyers purchased an existing home, up from
71 percent in 2007. Investors may have been attracted to distressed properties
rather than new homes as suggested by the 16 percent of properties that were
purchased through the foreclosure process. More than half of investment property
buyers indicated that they purchased the home to rent to others and 38 percent
considered the property a good investment opportunity over and above any income
generation potential. Forty-two percent of investment property buyers paid cash,
up from 35 percent in 2007.
Methodology
In March 2009, a random sample of households that had purchased any type of
residential real estate during 2008 was surveyed. The survey sample was drawn
from a representative panel of U.S. households monitored and maintained by an
established survey research firm. A total of 1,924 qualified households responded
to the survey accounting for 2,053 home purchases during 2008. Households were
sampled to meet age and income quotas representative of all home buyers drawn
from the 2008 NAR Profile of Home Buyers and Sellers.
NATIONAL ASSOCIATION OF REALTORS® 4
5. 2009 Investment and Vacation Home Buyers Survey
Exhibit 1: Vacation and Investment Property Sales and Prices
Primary Vacation Investment
Residences Properties Properties
Share of Home Sales by Intended Use
2003 67% 12% 22%
2004 64 11 25
2005 60 12 28
2006 64 14 22
2007 67 12 21
2008 70 9 21
New and Existing Home Sales (000)
2003 4,841 849 1,571
2004 5,106 872 2,003
2005 5,023 1,019 2,317
2006 4,816 1,067 1,646
2007 4,336 740 1,349
2008 3,766 512 1,117
Pct change 2007-2008 -13.2 -30.8 -17.2
Median Sales Price
2003 - - -
2004 - $190,000 $148,000
2005 - $204,100 $183,500
2006 - $200,000 $150,000
2007 $199,500 $195,000 $150,000
2008 $196,000 $150,000 $108,000
Pct change 2007-2008 -1.8 -23.1 -28.0
5
NATIONAL ASSOCIATION OF REALTORS®
6. 2009 Investment and Vacation Home Buyers Survey
Exhibit 2: Buyer Characteristics
Primary Vacation Investment
Residences Properties Properties
Buyer Age
Under 35 45% 27% 25%
35 to 45 23 19 21
45 to 55 16 22 24
Over 55 17 31 30
Median (years) 37 46 47
Household Income (2008)
Less than $45,000 20% 7% 17%
$45,000 to $75,000 32 26 27
$75,000 to $100,000 21 20 18
More than $100,000 27 48 38
Median $73,300 $97,200 $85,000
Number of Household Income Earners
None 3% 4% 5%
One 41 27 36
Two 52 64 55
Three or more 3 4 4
Household Composition
Married couple 68% 74% 71%
Single female 11 7 8
Single male $11 9 13
Unmarried couple $8 9 7
Other 2 2 2
Number of Children Under 18
None 50% 54% 56%
One 23 21 19
Two 17 13 16
Three or more 10 11 10
Racial/Ethnic Background
White/Caucasian 83% 84% 86%
Black/African American 6 7 6
Hispanic/Latino 5 7 3
Asian/Pacific Islander 7 4 6
Other 2 3 2
NATIONAL ASSOCIATION OF REALTORS ®
6
7. 2009 Investment and Vacation Home Buyers Survey
Exhibit 3: Property Characteristics
Primary Vacation Investment
Residences Properties Properties
Location of Property
Small town 17% 26% 22%
Rural area 16 23 23
Suburb/Subdivision 49 20 28
Urban area/Central City 17 8 20
Resort area 1 23 6
Region of Home Purchase
Northeast 19% 22% 17%
Midwest 25 15 25
South 35 45 40
West 21 18 18
Type of Property
Detached single-family 84% 70% 64%
Condo/duplex in building with 2 to 4 units 5 7 12
Condo/apartment in building with 5 or more units 4 11 10
Townhouse or row house 4 5 8
Other 2 7 6
New or Existing Home
New 32% 31% 16%
Existing 68 69 84
Distance from Primary Residence
5 miles or less - 2% 24%
6 to 10 miles - 2 11
11 to 15 miles - 1 8
16 to 20 miles - 4 11
21 to 50 miles - 7 8
51 to 100 miles - 19 7
101 to 500 miles - 30 12
501 to 1,000 miles - 14 8
1,001 miles or more - 22 11
Median (miles) 316 19
NATIONAL ASSOCIATION OF REALTORS ® 7
8. 2009 Investment and Vacation Home Buyers Survey
Exhibit 4: Method of Purchase and Financing
Primary Vacation Investment
Residences Properties Properties
Purchase Method
Through a real estate agent or broker 65% 55% 46%
Foreclosure or trustee sale 5 9 16
Directly from owner whom the buyer knew 9 16 18
Directly from owner whom the buyer didn’t know 7 9 8
Directly from builder or builder’s agent 11 7 2
Auction 1 3 5
1031 Exchange * 1 *
Other 2 1 4
First Step Taken in the Home Buying Process
Looked online for properties for sale 26% 22% 18%
Looked online for information about the home buying
process 15 14 10
Contacted a real estate agent 13 13 19
Talked with a friend or relative about the home buying
process 9 13 11
Drove-by homes/neighborhoods 8 10 7
Visited open houses 8 7 8
Contacted a bank or mortgage lender 8 3 4
Looked in newspapers, magazines, or home buying
guides for properties for sale 4 5 4
Contacted builder/visited builder models 3 3 1
Contacted a home seller directly $3 7 8
Read books or guides about the home buying process $1 1 1
Attended a home buying seminar * 1 2
Other 2 3 8
Where Buyer Found the Home They Purchased
Internet 29% 21% 25%
Real estate agent 27 24 21
Yard sign/open house sign 12 8 11
Friend, relative or neighbor 12 21 18
Home builder or their agent 9 8 2
Directly from sellers/Knew the sellers 5 7 12
Print newspaper advertisement 5 8 8
Home book or magazine 1 3 4
Mortgage Financing
Used a mortgage 85% 68% 56%
Did not use a mortgage 15 31 42
Don't know 1 1 2
* Less than one percent
NATIONAL ASSOCIATION OF REALTORS ® 8
9. 2009 Investment and Vacation Home Buyers Survey
Exhibit 5: Buyer Motivation and Expectations
Primary Vacation Investment
Residences Properties Properties
Reasons for Purchasing Home
To use for vacations or as a family retreat - 89% 15%
To rent to others - 27 58
To diversify investments/Good investment opportunity - 27 38
To use as principal residence in the future - 26 7
For a family member, friend or relative - 17 19
For the tax benefits - 14 13
Because the buyer had extra money to spend - 9 7
Other - 8 6
Length of Time Buyer Plans to Own Property
Have already sold this property 1% 2% 7%
Less than 1 year 4 3 8
1 to less than 3 years 10 8 13
3 to less than 6 years 19 15 14
6 to less than 11 years 16 15 15
11 or more years 38 58 22
Don’t know 13 * 21
Median 9 12 5
Likelihood of Buying Vacation or Investment Property in Next 2 Years
Very likely 10% 14% 26%
Somewhat likely $19 16 20
Somewhat unlikely $13 11 13
Very unlikely 49 45 27
Don't know 9 13 14
Now is Good Time to Purchase Real Estate
Good time to purchase 71% 80% 80%
Not a good time to purchase 17 10 12
Don't know 11 9 8
* Less than one percent
NATIONAL ASSOCIATION OF REALTORS ® 9