The document provides statistics on home sales and prices for primary residences, vacation homes, and investment properties from 2003-2008. It finds that in 2008, 70% of home purchases were for primary residences, while 9% were for vacation homes and 21% for investment properties. Median home prices declined substantially from 2007 to 2008 for all property types. The typical vacation home buyer was older (median age 46) than primary residence buyers (median age 37).
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.
The document describes the services offered by The Daley Group, a performance solutions company. They provide business consulting services such as business turnaround strategies, enterprise optimization, leadership and talent coaching, sales and marketing training, new market development, supply chain management, and risk management. Their approach involves diagnosing a client's current situation, developing a strategic plan to improve it, and helping to execute the plan. They aim to take a holistic view by ensuring all parts of a business such as market, finances, supply chain, and talent are integrated.
Dokumen ini membahas tiga bagian otak (otak reptil, sistem limbik, otak neo korteks) dan delapan jenis kecerdasan. Juga menjelaskan cara menjaga kecerdasan otak dengan memanfaatkan tiga gaya belajar (visual, auditorial, kinestetik) dan hanya menggunakan sedikit potensi otak.
A presentation on CakePHP, a few explanation about how it works and an example, written in Catalan.
Una presentació sobre CakePHP, breu explicació sobre les funcionalitats i un petit exemple, en català.
Per Josep Llodrà Grimalt.
http://herotyc.com
This document provides a summary of a presentation on real estate investing in 2008. It discusses the speaker's background and experience investing in real estate. It outlines various strategies for real estate investing such as developing a strategy, assembling a team, and finding deals. Specific strategies covered include types of investors, financing options, partner structures, property analysis metrics, and ways to make profits from real estate. An example deal is provided to illustrate potential returns.
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.
The document describes the services offered by The Daley Group, a performance solutions company. They provide business consulting services such as business turnaround strategies, enterprise optimization, leadership and talent coaching, sales and marketing training, new market development, supply chain management, and risk management. Their approach involves diagnosing a client's current situation, developing a strategic plan to improve it, and helping to execute the plan. They aim to take a holistic view by ensuring all parts of a business such as market, finances, supply chain, and talent are integrated.
Dokumen ini membahas tiga bagian otak (otak reptil, sistem limbik, otak neo korteks) dan delapan jenis kecerdasan. Juga menjelaskan cara menjaga kecerdasan otak dengan memanfaatkan tiga gaya belajar (visual, auditorial, kinestetik) dan hanya menggunakan sedikit potensi otak.
A presentation on CakePHP, a few explanation about how it works and an example, written in Catalan.
Una presentació sobre CakePHP, breu explicació sobre les funcionalitats i un petit exemple, en català.
Per Josep Llodrà Grimalt.
http://herotyc.com
This document provides a summary of a presentation on real estate investing in 2008. It discusses the speaker's background and experience investing in real estate. It outlines various strategies for real estate investing such as developing a strategy, assembling a team, and finding deals. Specific strategies covered include types of investors, financing options, partner structures, property analysis metrics, and ways to make profits from real estate. An example deal is provided to illustrate potential returns.
Salvador Dalí was a Spanish surrealist painter born in 1904 in Figueres, Catalonia. He produced over 1,500 works throughout his lifetime exploring surrealism, a style featuring unexpected elements. Dalí employed symbolic objects like ants representing death and eggs for love in paintings like The Persistence of Memory. His work was inspired by Picasso and Miró and developed his own paranoiac-critical method. Dalí remained a famous artist until his death at age 84 in 1989, and his work is still on display worldwide.
For the past century, services for women and their babies have been provided at the Elizabeth Garrett Anderson and obstetric hospital, in central London, which was founded by its namesake, the first female doctor to be trained in Britain.
Ringkasan dari dokumen tersebut adalah:
1. Dokumen tersebut menjelaskan beberapa teknik untuk meningkatkan daya ingat seperti teknik cerita, lokasi, anatomi, kata kunci, akrostik, plesetan kata, dan irama.
2. Teknik-teknik tersebut memanfaatkan imajinasi dan visualisasi untuk mengubah informasi menjadi lebih mudah diingat melalui cerita, lokasi tubuh, atau kata
This document discusses the evolution of branding from the past to the present and future. It argues that brands face threats from more informed consumers and from technologists creating new technologies and needs. It also argues that branding is often practiced incorrectly as just communications outcomes rather than a tool for business success. Finally, it suggests that future branding success will require a focus on understanding customers and cocreating with them through new technologies and media.
Jd P Ower Auotmotive Online Marketing Review 2008rvarden
This document summarizes findings from an J.D. Power and Associates report on automotive online marketing in 2008. It includes the following key points in 3 sentences:
1) US new vehicle sales were forecast to be the lowest since 1993 due to higher gas prices causing cars to outsell light trucks. 2) Compact vehicles gained more market share at the expense of midsize and large vehicles. 3) While online marketing budgets were being cut back, automotive internet usage and time spent researching online continued growing, with more shoppers using search, social media, and mobile sites in their vehicle research.
This document contains a list of links to various videos related to vacuum technology and processes. The videos cover topics like vacuum forming, vacuum packaging, plasma sputtering machines, vacuum tanks, scroll pumps, mass spectrometers, clean rooms, and more. Many of the links are to demonstration and instructional videos hosted on YouTube.
Webinar Social Networking Build Your Businesscoachdaley
This document outlines John R. Daley's approach to professional branding and networking. It recommends controlling one's professional brand by raising business awareness through appropriate groups, building an online blog, and presenting business offerings. It also suggests developing a high value profile on professional networks by creating a representative profile highlighting experience and building recommendations. The document advises being top of mind by posting regular status updates and replies. It promotes networking and reconnecting with colleagues, classmates, and clients to share knowledge and experience to build credibility. Finally, it discusses gathering marketing information on industry needs to test business theories.
Building Better Products (for SpeedUp! Europe)Jason Fraser
This document discusses Agile and Extreme Programming (XP) methodologies used at Pivotal Labs to build better products. It emphasizes that XP is team focused, honest, predictive rather than prescriptive, test driven, and iterative. Key aspects of XP highlighted include pair programming, small self-organizing teams, frequent delivery of working software, and managing by customer value rather than rigid plans or processes. The goal is to deliver high quality, valuable software through open communication, simplicity, feedback, and courage.
This workshop provided an overview of how to write effective user stories. It began with defining what a user story is - a document that describes a smallest verifiable unit of customer value. The presentation then covered best practices for writing user story elements, including using a persona, action verbs, and clearly defining the customer benefit. Attendees were guided through an example of writing a full user story, including title, statement and acceptance criteria. The workshop emphasized keeping stories independent, negotiable, valuable, estimatable, small and testable.
Intro to User Research Methods, Japan, June 6, 2015Jason Fraser
The document discusses user interviews for product development. It describes generating hypotheses about user needs, creating persona profiles to identify interview subjects, developing topic maps and questions to guide interviews. Best practices are outlined for conducting interviews, including taking notes, asking open-ended questions, and listening. After interviews, teams debrief by grouping insights and identifying trends to inform new product features. The goal is to learn directly from users to build better products aligned with real needs.
Description of Extreme Programming and how it is implemented at Pivotal Labs. Includes managing team size and structure and the relationship between Designers, Developers, and Product Managers.
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.
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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