1) Job losses in San Diego are accelerating, with over 15,000 jobs lost in November 2008 alone.
2) Housing permits and home sales in San Diego are at their lowest levels since the 1940s, with residential permits projected to be just 5,500 for 2008.
3) The median home price in San Diego has dropped 36% from its peak in 2005, with new home prices down 31% for detached homes and 9% for attached homes.
This document summarizes reference statistics and trends at an education center library over multiple years. It includes charts and data on the total number of weekly and yearly reference transactions by term, the percentage and number of transactions by type and time of day, total transactions on weekdays vs weekends, and the number of library classes held each month. Specific data is also shown for two sample weeks in January/February and March 2009, including transactions by category and day of the week and transactions by type and time of day.
The document provides an overview of four pillars for economic growth and job creation in Washington: talent and workforce, investment and entrepreneurship, infrastructure and regulations, and international business. It summarizes challenges and opportunities in each area, and outlines specific policy priorities around developing skills, fostering innovation, improving infrastructure, and growing exports to accelerate job creation in the state.
Equity markets nearing a bottom? Can one start SIP in midcap funds?Dhuraivel Gunasekaran
The document discusses mid and small cap mutual funds as an investment opportunity. It notes that mid and small cap stocks have fallen more than large caps recently but tend to outperform when markets recover. It recommends that high risk investors consider staggered investments in mid cap funds over 15-24 months as the equity market nears bottoming out. Mid and small caps are seen as offering higher growth potential due to their business life cycles and ability to gain market share, though they also carry higher risk than large caps.
ASX SPI 200TM Futures are derivatives that allow traders to take positions on movements in Australia's S&P/ASX 200 Index, which tracks the top 200 companies on the Australian stock market. The futures contracts can be traded on electronic platforms for almost 24 hours a day. Volume in 2010 averaged $4.5 billion daily with over 10 million contracts traded. Key benefits of the futures include price transparency, lower fees than trading underlying stocks, and reduced counterparty risk through centralized clearing.
September Jobs Report from the Bureau of Labor StatisticsDavid White
The unemployment rate decreased to 7.8% in September from 8.1% in August. Total nonfarm payroll employment increased by 114,000, with gains in healthcare and transportation/warehousing. The number of unemployed persons decreased by 456,000. Other details include an increase in involuntary part-time employment and a decrease in those unemployed for less than 5 weeks.
The document discusses opportunities to improve the functionality and user experience of online public access catalogs (OPACs) through the adoption of Web 2.0 principles and features. It summarizes surveys that found users find existing OPACs difficult to use and lacking modern features. It then describes experiments at the University of Huddersfield to enhance their OPAC with spell checking, keyword suggestions, borrowing recommendations, and user reviews. The document advocates for an "OPAC 2.0" that better exposes library data through open web standards and embraces serendipity, user participation, and integration with external sources like Wikipedia.
BRAR-The Economy and Housing Market - Nov 3kfisher181
The document discusses recent economic performance and outlooks for the U.S. economy, including trends in GDP, employment, manufacturing and housing from 2007-2014. It analyzes indicators such as initial jobless claims, unemployment rates, consumer prices and leading economic indices. Overall, the data shows the economy recovering from the recent recession but growth remaining modest with unemployment still elevated.
The document contains real estate data for The Woodlands area from 2010-2012 including total listings, new contracts written, average days on market, percentage of list price to sale price, months of inventory, total showings, and breakdowns by price range. The data shows trends over time and across price points for key real estate market indicators.
This document summarizes reference statistics and trends at an education center library over multiple years. It includes charts and data on the total number of weekly and yearly reference transactions by term, the percentage and number of transactions by type and time of day, total transactions on weekdays vs weekends, and the number of library classes held each month. Specific data is also shown for two sample weeks in January/February and March 2009, including transactions by category and day of the week and transactions by type and time of day.
The document provides an overview of four pillars for economic growth and job creation in Washington: talent and workforce, investment and entrepreneurship, infrastructure and regulations, and international business. It summarizes challenges and opportunities in each area, and outlines specific policy priorities around developing skills, fostering innovation, improving infrastructure, and growing exports to accelerate job creation in the state.
Equity markets nearing a bottom? Can one start SIP in midcap funds?Dhuraivel Gunasekaran
The document discusses mid and small cap mutual funds as an investment opportunity. It notes that mid and small cap stocks have fallen more than large caps recently but tend to outperform when markets recover. It recommends that high risk investors consider staggered investments in mid cap funds over 15-24 months as the equity market nears bottoming out. Mid and small caps are seen as offering higher growth potential due to their business life cycles and ability to gain market share, though they also carry higher risk than large caps.
ASX SPI 200TM Futures are derivatives that allow traders to take positions on movements in Australia's S&P/ASX 200 Index, which tracks the top 200 companies on the Australian stock market. The futures contracts can be traded on electronic platforms for almost 24 hours a day. Volume in 2010 averaged $4.5 billion daily with over 10 million contracts traded. Key benefits of the futures include price transparency, lower fees than trading underlying stocks, and reduced counterparty risk through centralized clearing.
September Jobs Report from the Bureau of Labor StatisticsDavid White
The unemployment rate decreased to 7.8% in September from 8.1% in August. Total nonfarm payroll employment increased by 114,000, with gains in healthcare and transportation/warehousing. The number of unemployed persons decreased by 456,000. Other details include an increase in involuntary part-time employment and a decrease in those unemployed for less than 5 weeks.
The document discusses opportunities to improve the functionality and user experience of online public access catalogs (OPACs) through the adoption of Web 2.0 principles and features. It summarizes surveys that found users find existing OPACs difficult to use and lacking modern features. It then describes experiments at the University of Huddersfield to enhance their OPAC with spell checking, keyword suggestions, borrowing recommendations, and user reviews. The document advocates for an "OPAC 2.0" that better exposes library data through open web standards and embraces serendipity, user participation, and integration with external sources like Wikipedia.
BRAR-The Economy and Housing Market - Nov 3kfisher181
The document discusses recent economic performance and outlooks for the U.S. economy, including trends in GDP, employment, manufacturing and housing from 2007-2014. It analyzes indicators such as initial jobless claims, unemployment rates, consumer prices and leading economic indices. Overall, the data shows the economy recovering from the recent recession but growth remaining modest with unemployment still elevated.
The document contains real estate data for The Woodlands area from 2010-2012 including total listings, new contracts written, average days on market, percentage of list price to sale price, months of inventory, total showings, and breakdowns by price range. The data shows trends over time and across price points for key real estate market indicators.
The document discusses the issue of gun crime and gangs in the UK. It provides statistics on offenses committed by young offenders last year, including over 2,000 crimes by some offenders as young as 11 years old. It also notes that last year a 12-year-old boy shot and killed Andrew Thompson in London as part of a gang. The predicted figures for this year include 6,000 gun crime incidents, 4,000 deaths, and 8,000 destroyed lives. The document warns of the dangers of converted starter pistols and role models like the 18th Street gang in Los Angeles with 20,000 members.
This presentation is based upon the book, ‘Why my Horse Doesn’t Smile – Learn to serve your customers. Though, ‘customer’ has always been the focal point of any business, yet, in today’s business world, ‘Customer Service’ is the ONLY differentiator. Customer service is the latest ‘mantra’ for success. Better the services a customer receives and more importantly perceives; better are the chances that the business will evolve and grow. It is a proven fact: a satisfied customer becomes the source of word-of-mouth advertising and also continues to remain a loyal customer.
In order to have a competitive edge over competitors, it is a must for an organization to provide the ultimate experience to each and every customer. Good quality customer service helps organizations to create positive moments of truth in their interaction with customers leading to unparalleled advantage over competitors. It is a necessity to reinforce the earlier positive experience of customer in future interactions with them. Also, it is important for you to understand that your role is more than just a job? It is an opportunity to connect with customers, and to brighten their day, to possibly make a difference in the way they shop. In order to serve better, you first need to identify:
• The issues and concerns that restrict you from offering good customer service.
• Different ideas and better ways and means to deliver world class customer service to every customer?
• What do you need to do in order to make customer service a priority?
• How can you exceed customer’s expectations so that they remain loyal to your organization?
This book will help people decipher the ‘mantra’ for success, i.e., ‘How to serve customers with a smile’. The examples shared in this book may or may not be directly related to the type of product or service one is offering may be through a call center or at a retail outfit. However, both ‘Tips’ and the ‘Words of caution’ mentioned in this book will help individuals to improve interactions with customers. In addition, such inputs will also help them to improve their overall personality and relationships with others.
Privacy Information for Nonprofit Organizations in AlbertaVolunteer Alberta
The document discusses privacy laws and best practices for nonprofit organizations in Alberta, focusing on the Personal Information Protection Act (PIPA) which regulates how nonprofits collect, use, and disclose personal information. It explains PIPA's key principles and requirements around obtaining consent, safeguarding data, providing individuals access to their information, and designating a privacy officer. Recommendations are provided for nonprofits to implement strong privacy practices in compliance with PIPA.
The document discusses the current state of the US housing market and provides an outlook for multifamily housing. It notes that the US is experiencing a severe recession, with declining GDP, job losses of over 6 million since 2008, and a rising unemployment rate of 9.4% in May 2009. Housing construction, home sales and prices have fallen sharply from their peaks in the mid-2000s. However, demographic trends favoring generations that tend to rent and the large number of potential renters in the coming years provide opportunities for multifamily development as the economy recovers.
The document summarizes key indicators of the US housing market and broader economy. It shows that while unemployment and consumer confidence remain at historically low levels, mortgage rates have declined significantly. Existing home sales have stabilized at low levels recently, and housing inventory, while still high, has started to decrease from its peak. This suggests the housing market may be approaching a bottom in 2009 if these trends continue.
The document discusses the application of titanium oxide as an electron injection layer in organic optoelectronic devices through solution-based processes like sol-gel. It describes how amorphous and nano-crystalline titanium oxide synthesized by sol-gel and deposited via spin-coating can improve device performance when used as the electron injection layer in polymer LEDs and organic solar cells. Experimental results show that devices using the titanium oxide layer have higher efficiencies compared to those using other solution-processed layers like cesium carbonate. The document concludes that solution-processed titanium oxide is a promising material that can be employed as an electron injection layer for applications in printed electronics.
BaseMovil is a technology that allows companies to store and manage large amounts of data on mobile phones offline and synchronize with office systems. It offers a plug-and-play solution for mobility without high hardware costs or complex projects. BaseMovil uses an open-source framework including a database engine to enable fast, multi-platform enterprise apps. It works by linking a BlackBerry, database system, and BaseMovil's bmServer for updating data between the office and mobile phones. This eliminates hassles of configuring other systems and investing in servers. The apps cover tasks like sales, service records, inventory and more to bring efficiency gains to field workers. Customers have seen increased productivity, profitability and ease
The document discusses the importance of listening in effective communication. It notes that listening is the foundation of communication and key to building relationships. While communication is a two-way process, many people do not listen effectively due to barriers like not paying attention, preconceived notions, or selective listening. The document provides tips on improving listening skills like stopping talking, making eye contact, and understanding other perspectives. Effective communication is important for career and personal success.
This presentation is based upon the book, ‘Why My Horse Doesn’t drink – Learn to serve your customer. “You can take a horse to the pond but cannot make it drink” is an old proverb. A horse wins race for his master, helps his master to charge on to the opposing army. However, the same horse sometimes kicks back, goes into the wrong direction and of course drinks only when it pleases. However, the irony is that it is true of human beings as well.
If you lead a horse to the pond and it does not drink, is it a problem or a symptom? After reading the book ‘Why My Horse Doesn’t Drink’ one can be sure that refusing to drink is the symptom, not the problem. The problem could be lack of thirst, stubbornness, excessive fear, or refusing the way you are forcing it to drink.
Similarly, human beings refuse to work or lose interest to perform for various reasons:
• Lack of interest in the job
• Stubbornness
• Excessive fear of punishments
• Inappropriate recognition or rewards
• Conflicting demands of the superiors
Have you ever wondered -
• “Why doesn\'t this person work?”
• “Why this person doesn\'t work on this project / assignment?”
• “Why do I always get bad people (colleagues and superiors) to work with?”
• “Could someone be more ungrateful than this person?
• “Why does this colleague hate me?”
• “Why does this person want to embarrass me?”
If yes, go on reading this book, ‘Why My Horse Doesn’t Drink’. You will be able to explore:
• Why some people behave in a particular fashion?
• What makes people work and produce extraordinary results?
• Why some people refuse to work even when they are paid better than others?
• What makes people dissatisfied at the work place?
• Why some people don’t get along with others?
Apart from answering the above-mentioned questions, ‘Why My Horse Doesn’t Drink’ will help you understand basic human needs, which keep driving a person towards the goal one has set for oneself. This book will also answer the question as to why some people are highly motivated whereas others are not.
Eventually ‘Why My Horse Doesn’t Drink’ will help you increase productivity of your team members by improving their job satisfaction.
If you are faced with an unmanageable team or uncooperative colleagues, and your productivity chart is threatening to take downturn, you must read this book. With this book in hand,
YOU WILL NOT ONLY TAKE YOUR HORSE TO THE POND BUT MAKE IT DRINK TOO!
To search Google Scholar, you can do a basic search or an advanced search where you can choose a subject area and set date limits. When finding relevant articles, you can check if Brock University has access to them by type of material and link to library resources. It is also helpful to check the "Cited by" section to find more materials on the topic.
This presentation was first delivered at Malaysian HR Congress held at Kuala Lampur. Presentation outlines:
Succession Planning - an introduction
Succession Planning @ family run business
An approach towards Succession Planning
Steps to effective Succession Planning
Identifying and nurturing Hi-Pos
Potential and Performance mix of a Hi-Pos
Putting success into Succession Planning
How to measure its effectiveness
Conclusion
Uranium production fell dramatically in the 1990s due to low prices and the closure of mines. However, uranium has seen a resurgence in the past decade due to growing demand for nuclear power in countries like China and India. The uranium spot price has risen from $7 per pound in 2002 to as high as $137 in 2007, driving increased exploration worldwide to address supply shortfalls. Over $1.5 billion has been invested in uranium exploration in Canada alone in the past three years. However, utilities have been cautious amid the recession, while Asian buyers aggressively secure long-term supply agreements. The supply crunch could lead to further price increases in the coming years.
CrossborderInforma: Regional Border Crossing Trends & Economic ImpactsCrossborder Group
September 2012 CrossborderInforma briefing by Crossborder Group: a snapshot of borderwide border crossing trends along the US-Mexico border, with a focus on regional border crossing trends in the San Diego-Tijuana region -- and the economic impacts of crossborder shoppers on San Diego's retail sector and the economy. Selected survey data from Crossborder Group's proprietary at-border surveys also provide insights about crossborder consumer purchases.
CrossborderInforma briefings are issued 1-2 times each month, covering a variety of economic, industry, and policy-related issues in Mexico and along the US-Mexico border region. For more information, please contact our firm at Answers[at]CrossborderBusiness[dot]com, or call us toll free at 1-888-4XBORDER [888-492-6733]. Have a Mexico or NAFTA question? We can help.
The document discusses the rise of mobile internet usage and the Guardian's approach to mobile. It shows that the number of mobile internet users in the UK grew dramatically from 2006 to 2012. The Guardian recognized both the growth in demand for mobile content and the ubiquity of mobile devices. The company developed apps and mobile-optimized websites to meet these trends and consumer expectations. While mobile presents challenges like fragmentation, the Guardian views mobile as too compelling to ignore and uses different platforms and formats to build audiences and generate revenue.
The Chatham County Chamber of Commerce and the Chapel Hill-Carrboro Chamber of Commerce hosted their Chatham County Development Briefing, 8-10 a.m., Tuesday, March 13 at the Governors Club in Chapel Hill.
Along with an overview of both residential and commercial real estate in Chatham County, attendees heard updates on key development projects throughout Chatham. Additionally, Dianne Reid, president of the Chatham County Economic Development Corporation, gave an update on the vision for future economic development in Chatham County, and Brian Bock, chair of the Chatham County Board of Commissioners, reviewed public policy changes affecting growth in our county.
Mark Zimmerman of RE/MAX Winning Edge, Sledd Thomas of Commercial Carolina, Chris Ehrenfeld of Domicile Realty, Heather Rusnak of Galloway Ridge and Siler City Mayor Charles Johnson of Johnson Real Estate & Investment also spoke at the Development Briefing.
The event was presented by Time Warner Cable Business Class and sponsored by Carolina Meadows, Domicile Realty, CenturyLink, Briar Chapel by Newland Communities, Chatham Homes Realty - Debbie Hoyt and Lonnie West, Central Electric Membership Corporation, and Sara Donaldson Insurance Agency.
Presentation On Sustaining A Healthy Enterprise During Turbulent TimesSCyboran
The challenging economy has resulted in doubling of the unemployment rate, 50% drop in the financial markets, doubling of the home foreclosures and personal bankruptcies. This is certainly affecting a significant portion of the workforce and making it not only difficult for them to focus on their work, but the stress is deteriorating their health. Sustaining a healthy enterprise during turbulent
Mountain America Credit Union (MACU) launched mobile remote deposit capture (RDC) in June 2010 and has since grown mobile banking adoption significantly. As of March 2011, MACU has over 43,000 mobile banking users conducting around 12,000 mobile deposit transactions per month. MACU first launched mobile banking in September 2005 and has expanded services through mobile apps and SMS messaging.
Azuma, LP is a statistical arbitrage fund that trades Asian stock markets based on historical patterns between the US and Asia. It is managed by Xelor Capital Management and seeks to outperform equity markets with less volatility. Over its history from 2007 to 2010, the fund has averaged annual returns of 15.3% with relatively low volatility compared to benchmarks like the Nikkei 225 and S&P 500.
The document summarizes the statistical arbitrage track record of a fund called StatArb1 compared to the S&P 500 index from inception on March 31, 2011 through December 13, 2011. It shows that StatArb1 has underperformed the S&P 500 on all return metrics over this period, with lower annualized and monthly returns but also lower volatility, beta, correlation, and maximum drawdown compared to the S&P 500.
The document discusses gold prices over the past 10 years and factors influencing gold prices. It shows that $10,000 invested in gold in 2001 would now be worth $60,198, compared to $23,054 if invested in bonds and $54,315 if invested in stocks. Gold prices rose due to currency devaluation, demand, and limited supply. Prices have fallen recently due to central bank selling and dollar appreciation. However, prices are expected to rise further in the long run due to continued economic uncertainty, demand for gold jewelry, and quantitative easing by central banks. Experts forecast gold reaching $2000-3000 per ounce by 2012-2013.
The document discusses the issue of gun crime and gangs in the UK. It provides statistics on offenses committed by young offenders last year, including over 2,000 crimes by some offenders as young as 11 years old. It also notes that last year a 12-year-old boy shot and killed Andrew Thompson in London as part of a gang. The predicted figures for this year include 6,000 gun crime incidents, 4,000 deaths, and 8,000 destroyed lives. The document warns of the dangers of converted starter pistols and role models like the 18th Street gang in Los Angeles with 20,000 members.
This presentation is based upon the book, ‘Why my Horse Doesn’t Smile – Learn to serve your customers. Though, ‘customer’ has always been the focal point of any business, yet, in today’s business world, ‘Customer Service’ is the ONLY differentiator. Customer service is the latest ‘mantra’ for success. Better the services a customer receives and more importantly perceives; better are the chances that the business will evolve and grow. It is a proven fact: a satisfied customer becomes the source of word-of-mouth advertising and also continues to remain a loyal customer.
In order to have a competitive edge over competitors, it is a must for an organization to provide the ultimate experience to each and every customer. Good quality customer service helps organizations to create positive moments of truth in their interaction with customers leading to unparalleled advantage over competitors. It is a necessity to reinforce the earlier positive experience of customer in future interactions with them. Also, it is important for you to understand that your role is more than just a job? It is an opportunity to connect with customers, and to brighten their day, to possibly make a difference in the way they shop. In order to serve better, you first need to identify:
• The issues and concerns that restrict you from offering good customer service.
• Different ideas and better ways and means to deliver world class customer service to every customer?
• What do you need to do in order to make customer service a priority?
• How can you exceed customer’s expectations so that they remain loyal to your organization?
This book will help people decipher the ‘mantra’ for success, i.e., ‘How to serve customers with a smile’. The examples shared in this book may or may not be directly related to the type of product or service one is offering may be through a call center or at a retail outfit. However, both ‘Tips’ and the ‘Words of caution’ mentioned in this book will help individuals to improve interactions with customers. In addition, such inputs will also help them to improve their overall personality and relationships with others.
Privacy Information for Nonprofit Organizations in AlbertaVolunteer Alberta
The document discusses privacy laws and best practices for nonprofit organizations in Alberta, focusing on the Personal Information Protection Act (PIPA) which regulates how nonprofits collect, use, and disclose personal information. It explains PIPA's key principles and requirements around obtaining consent, safeguarding data, providing individuals access to their information, and designating a privacy officer. Recommendations are provided for nonprofits to implement strong privacy practices in compliance with PIPA.
The document discusses the current state of the US housing market and provides an outlook for multifamily housing. It notes that the US is experiencing a severe recession, with declining GDP, job losses of over 6 million since 2008, and a rising unemployment rate of 9.4% in May 2009. Housing construction, home sales and prices have fallen sharply from their peaks in the mid-2000s. However, demographic trends favoring generations that tend to rent and the large number of potential renters in the coming years provide opportunities for multifamily development as the economy recovers.
The document summarizes key indicators of the US housing market and broader economy. It shows that while unemployment and consumer confidence remain at historically low levels, mortgage rates have declined significantly. Existing home sales have stabilized at low levels recently, and housing inventory, while still high, has started to decrease from its peak. This suggests the housing market may be approaching a bottom in 2009 if these trends continue.
The document discusses the application of titanium oxide as an electron injection layer in organic optoelectronic devices through solution-based processes like sol-gel. It describes how amorphous and nano-crystalline titanium oxide synthesized by sol-gel and deposited via spin-coating can improve device performance when used as the electron injection layer in polymer LEDs and organic solar cells. Experimental results show that devices using the titanium oxide layer have higher efficiencies compared to those using other solution-processed layers like cesium carbonate. The document concludes that solution-processed titanium oxide is a promising material that can be employed as an electron injection layer for applications in printed electronics.
BaseMovil is a technology that allows companies to store and manage large amounts of data on mobile phones offline and synchronize with office systems. It offers a plug-and-play solution for mobility without high hardware costs or complex projects. BaseMovil uses an open-source framework including a database engine to enable fast, multi-platform enterprise apps. It works by linking a BlackBerry, database system, and BaseMovil's bmServer for updating data between the office and mobile phones. This eliminates hassles of configuring other systems and investing in servers. The apps cover tasks like sales, service records, inventory and more to bring efficiency gains to field workers. Customers have seen increased productivity, profitability and ease
The document discusses the importance of listening in effective communication. It notes that listening is the foundation of communication and key to building relationships. While communication is a two-way process, many people do not listen effectively due to barriers like not paying attention, preconceived notions, or selective listening. The document provides tips on improving listening skills like stopping talking, making eye contact, and understanding other perspectives. Effective communication is important for career and personal success.
This presentation is based upon the book, ‘Why My Horse Doesn’t drink – Learn to serve your customer. “You can take a horse to the pond but cannot make it drink” is an old proverb. A horse wins race for his master, helps his master to charge on to the opposing army. However, the same horse sometimes kicks back, goes into the wrong direction and of course drinks only when it pleases. However, the irony is that it is true of human beings as well.
If you lead a horse to the pond and it does not drink, is it a problem or a symptom? After reading the book ‘Why My Horse Doesn’t Drink’ one can be sure that refusing to drink is the symptom, not the problem. The problem could be lack of thirst, stubbornness, excessive fear, or refusing the way you are forcing it to drink.
Similarly, human beings refuse to work or lose interest to perform for various reasons:
• Lack of interest in the job
• Stubbornness
• Excessive fear of punishments
• Inappropriate recognition or rewards
• Conflicting demands of the superiors
Have you ever wondered -
• “Why doesn\'t this person work?”
• “Why this person doesn\'t work on this project / assignment?”
• “Why do I always get bad people (colleagues and superiors) to work with?”
• “Could someone be more ungrateful than this person?
• “Why does this colleague hate me?”
• “Why does this person want to embarrass me?”
If yes, go on reading this book, ‘Why My Horse Doesn’t Drink’. You will be able to explore:
• Why some people behave in a particular fashion?
• What makes people work and produce extraordinary results?
• Why some people refuse to work even when they are paid better than others?
• What makes people dissatisfied at the work place?
• Why some people don’t get along with others?
Apart from answering the above-mentioned questions, ‘Why My Horse Doesn’t Drink’ will help you understand basic human needs, which keep driving a person towards the goal one has set for oneself. This book will also answer the question as to why some people are highly motivated whereas others are not.
Eventually ‘Why My Horse Doesn’t Drink’ will help you increase productivity of your team members by improving their job satisfaction.
If you are faced with an unmanageable team or uncooperative colleagues, and your productivity chart is threatening to take downturn, you must read this book. With this book in hand,
YOU WILL NOT ONLY TAKE YOUR HORSE TO THE POND BUT MAKE IT DRINK TOO!
To search Google Scholar, you can do a basic search or an advanced search where you can choose a subject area and set date limits. When finding relevant articles, you can check if Brock University has access to them by type of material and link to library resources. It is also helpful to check the "Cited by" section to find more materials on the topic.
This presentation was first delivered at Malaysian HR Congress held at Kuala Lampur. Presentation outlines:
Succession Planning - an introduction
Succession Planning @ family run business
An approach towards Succession Planning
Steps to effective Succession Planning
Identifying and nurturing Hi-Pos
Potential and Performance mix of a Hi-Pos
Putting success into Succession Planning
How to measure its effectiveness
Conclusion
Uranium production fell dramatically in the 1990s due to low prices and the closure of mines. However, uranium has seen a resurgence in the past decade due to growing demand for nuclear power in countries like China and India. The uranium spot price has risen from $7 per pound in 2002 to as high as $137 in 2007, driving increased exploration worldwide to address supply shortfalls. Over $1.5 billion has been invested in uranium exploration in Canada alone in the past three years. However, utilities have been cautious amid the recession, while Asian buyers aggressively secure long-term supply agreements. The supply crunch could lead to further price increases in the coming years.
CrossborderInforma: Regional Border Crossing Trends & Economic ImpactsCrossborder Group
September 2012 CrossborderInforma briefing by Crossborder Group: a snapshot of borderwide border crossing trends along the US-Mexico border, with a focus on regional border crossing trends in the San Diego-Tijuana region -- and the economic impacts of crossborder shoppers on San Diego's retail sector and the economy. Selected survey data from Crossborder Group's proprietary at-border surveys also provide insights about crossborder consumer purchases.
CrossborderInforma briefings are issued 1-2 times each month, covering a variety of economic, industry, and policy-related issues in Mexico and along the US-Mexico border region. For more information, please contact our firm at Answers[at]CrossborderBusiness[dot]com, or call us toll free at 1-888-4XBORDER [888-492-6733]. Have a Mexico or NAFTA question? We can help.
The document discusses the rise of mobile internet usage and the Guardian's approach to mobile. It shows that the number of mobile internet users in the UK grew dramatically from 2006 to 2012. The Guardian recognized both the growth in demand for mobile content and the ubiquity of mobile devices. The company developed apps and mobile-optimized websites to meet these trends and consumer expectations. While mobile presents challenges like fragmentation, the Guardian views mobile as too compelling to ignore and uses different platforms and formats to build audiences and generate revenue.
The Chatham County Chamber of Commerce and the Chapel Hill-Carrboro Chamber of Commerce hosted their Chatham County Development Briefing, 8-10 a.m., Tuesday, March 13 at the Governors Club in Chapel Hill.
Along with an overview of both residential and commercial real estate in Chatham County, attendees heard updates on key development projects throughout Chatham. Additionally, Dianne Reid, president of the Chatham County Economic Development Corporation, gave an update on the vision for future economic development in Chatham County, and Brian Bock, chair of the Chatham County Board of Commissioners, reviewed public policy changes affecting growth in our county.
Mark Zimmerman of RE/MAX Winning Edge, Sledd Thomas of Commercial Carolina, Chris Ehrenfeld of Domicile Realty, Heather Rusnak of Galloway Ridge and Siler City Mayor Charles Johnson of Johnson Real Estate & Investment also spoke at the Development Briefing.
The event was presented by Time Warner Cable Business Class and sponsored by Carolina Meadows, Domicile Realty, CenturyLink, Briar Chapel by Newland Communities, Chatham Homes Realty - Debbie Hoyt and Lonnie West, Central Electric Membership Corporation, and Sara Donaldson Insurance Agency.
Presentation On Sustaining A Healthy Enterprise During Turbulent TimesSCyboran
The challenging economy has resulted in doubling of the unemployment rate, 50% drop in the financial markets, doubling of the home foreclosures and personal bankruptcies. This is certainly affecting a significant portion of the workforce and making it not only difficult for them to focus on their work, but the stress is deteriorating their health. Sustaining a healthy enterprise during turbulent
Mountain America Credit Union (MACU) launched mobile remote deposit capture (RDC) in June 2010 and has since grown mobile banking adoption significantly. As of March 2011, MACU has over 43,000 mobile banking users conducting around 12,000 mobile deposit transactions per month. MACU first launched mobile banking in September 2005 and has expanded services through mobile apps and SMS messaging.
Azuma, LP is a statistical arbitrage fund that trades Asian stock markets based on historical patterns between the US and Asia. It is managed by Xelor Capital Management and seeks to outperform equity markets with less volatility. Over its history from 2007 to 2010, the fund has averaged annual returns of 15.3% with relatively low volatility compared to benchmarks like the Nikkei 225 and S&P 500.
The document summarizes the statistical arbitrage track record of a fund called StatArb1 compared to the S&P 500 index from inception on March 31, 2011 through December 13, 2011. It shows that StatArb1 has underperformed the S&P 500 on all return metrics over this period, with lower annualized and monthly returns but also lower volatility, beta, correlation, and maximum drawdown compared to the S&P 500.
The document discusses gold prices over the past 10 years and factors influencing gold prices. It shows that $10,000 invested in gold in 2001 would now be worth $60,198, compared to $23,054 if invested in bonds and $54,315 if invested in stocks. Gold prices rose due to currency devaluation, demand, and limited supply. Prices have fallen recently due to central bank selling and dollar appreciation. However, prices are expected to rise further in the long run due to continued economic uncertainty, demand for gold jewelry, and quantitative easing by central banks. Experts forecast gold reaching $2000-3000 per ounce by 2012-2013.
The document contains data on ordering patterns of cardiologists and immunologists from 2005-2008. It includes tables showing the number of specimens ordered by individual doctors each month. It also includes charts comparing ordering rates of different cardiologists over time, showing that Euan Ashley ordered an average of 2.18 specimens per month compared to 1.96 for Wendy Chung. A table also compares average ordering rates and days between tests for various cardiologists. Similar data and comparisons are presented for immunologists from 2005-2008.
The document summarizes the statistical arbitrage track record of a fund called StatArb1 compared to the S&P 500 index from inception on March 31, 2011 through December 28, 2011. It shows that StatArb1 has underperformed the S&P 500 on a return basis since inception but with lower annualized volatility, beta, correlation, and maximum drawdown, demonstrating lower risk. The best and worst three market days for both StatArb1 and the S&P 500 are also listed.
The document provides an economic review of the Reno-Sparks metropolitan statistical area (MSA). It finds that while employment increased by 5,900 from 2010 to 2011 and 7,500 from 2011 to 2012, unemployment remains high at 12.2% in February 2012. The largest employment decreases from February 2011 to February 2012 occurred in local government, construction, retail, and state government. The largest increases were in leisure and hospitality and professional and business services. Manufacturing, construction, and retail remain among the largest industry sectors for employment in the region. Taxable sales declined sharply during the recession but have leveled off in recent quarters.
This document summarizes the logistics impacts of increased oil and natural gas production from shale plays in North America. It discusses how shale development is driving growth in natural gas and oil production. This rapid growth is impacting many industries that rely on natural gas, oil, or their byproducts as feedstocks, including petrochemicals, steel manufacturing, and fertilizer production. It also discusses the transportation requirements for moving materials to and from shale drilling sites and production facilities.
The statistical arbitrage strategy underperformed the S&P 500 index since inception in March 2011, with annualized returns of -6.74% compared to -11.70% for the S&P 500. In the past month and week, the strategy declined 0.37% and 0.28% respectively, outperforming the S&P 500's declines of 2.50% and 3.14%. The strategy has lower volatility, beta, correlation and maximum drawdown compared to the S&P 500.
The document discusses jobs and unemployment in Larimer County, Colorado. It notes that Larimer County has 1,400 fewer jobs than three years ago, though 1,800 jobs were added in the past 12 months. Unemployment in the region has increased by 3,600 since October 2008. The county and city of Fort Collins employ about 3,800 workers combined. Larimer County also experienced an 11% drop in median household income over the past decade.
This document summarizes manufacturing employment and economic trends in Massachusetts from 2007-2012. It finds that while manufacturing employment declined during the recession, it has since stabilized and even increased slightly. It also notes the manufacturing sector remains an important contributor to the state's economy and payroll. The document concludes that closer cooperation between manufacturers and training institutions will be important to replace an aging workforce and ensure the future prosperity of the industry in Massachusetts.
How Will Your Ability to “Survive” In the Downturn
Enable You To “Thrive” In The Upturn
By Pierre Minguet
LogiChem 2011 will be the event's tenth anniversary and an opportunity for the most senior chemical supply chain & global logistics directors from the European chemicals community to come together once again share experiences, make new contacts and benchmark the latest chemical supply chain initiatives.
Not only will LogiChem 2011 be a chance for the chemical industry to reminisce about the last ten years but an opportunity to shape the next decade. To celebrate a decade of LogiChem, there will be an exciting three day programme filled with networking opportunities in our new location, Antwerp.
This document summarizes a statistical arbitrage managed account strategy. [1] It targets double digit annual returns with 7% volatility through a model-driven, market neutral strategy that scans hundreds of instruments for long and short opportunities. [2] The strategy has near zero correlation to equity indices, uses no leverage, and seeks a Sharpe ratio above 1. [3] Positions typically last 10 days, making it a high turnover strategy.
The document summarizes the statistical arbitrage track record of a fund compared to the S&P 500 from inception on March 31, 2011 through December 8, 2011. The fund has underperformed the S&P 500 since inception with returns of -4.68% versus -6.90% for the S&P 500. The fund aims to achieve positive returns with lower risk than the market as evidenced by its lower beta, volatility, correlation and maximum drawdown compared to the S&P 500.
1. Prospects for a Housing
Market Bottom in 2009?
For: San Diego BIA Annual Bull & Bear
January 15, 2009
SULLIVAN GROUP REAL ESTATE ADVISORS
Peter Dennehy, Sr. Vice President
(858) 523-1443 x118
p.dennehy@sgrea.com
Phone 858.523.1443 www.sullivangroupadvisors.com
2. San Diego Job Losses Picking Up
2004 - 20,200
2004 - 20,200
60,000
Y-T-Y PERCENT CHANGE 2005 - 21,800
2005 - 21,800
50,000
2006 - 19,500
2006 - 19,500
40,000 2007 - 6,600
2007 - 6,600
Nov ’08- -15,300
Nov ’08- -15,300
30,000
20,000
10,000
0
-10,000
-20,000
-30,000
Sep-86
Sep-87
Sep-88
Sep-89
Sep-90
Sep-91
Sep-92
Sep-93
Sep-94
Sep-95
Sep-96
Sep-97
Sep-98
Sep-99
Sep-00
Sep-01
Sep-02
Sep-03
Sep-04
Sep-05
Sep-06
Sep-07
Sep-08
Data is year over year change
Source: California Employment Development Department; Sullivan Group
Phone 858.523.1443 www.sullivangroupadvisors.com
3. San Diego County Job Losses Occurring
in 2008 at Accelerating Pace
25,000
2006 - 19,500
2006 - 19,500
20,000
2007 - 6,600
2007 - 6,600
15,000
Nov ’08- -15,300
Nov ’08- -15,300
10,000
Y-T-Y PERCENT CHANGE
5,000
0
-5,000
-10,000
-15,000
-20,000
May-06
May-07
May-08
Jan-06
Mar-06
Jul-06
Sep-06
Nov-06
Jan-07
Mar-07
Jul-07
Sep-07
Nov-07
Jan-08
Mar-08
Jul-08
Sep-08
Nov-08
Data is year over year change
Source: California Employment Development Department; Sullivan Group
Phone 858.523.1443 www.sullivangroupadvisors.com
4. 2007 – 2008P Job Gain/Loss Comparison
September 2008 California Job Growth
California Job Growth
3.0% San Jose 0.2%
San Jose 0.2%
SF/Oakland -0.2%
SF/Oakland -0.2%
San Diego -0.4%
2.0% San Diego -0.4%
Los Angeles -0.6%
Los Angeles -0.6%
Sacramento -0.6%
Sacramento -0.6%
1.0% Orange County -1.7%
Orange County -1.7%
Inland Empire -1.9%
Inland Empire -1.9%
0.0%
-1.0%
-2.0%
-3.0%
Sacramento
Salt Lake City
Las Vegas
Seattle
San Jose
Orange County
Denver
Houston
Portland
SF/Oakland
San Diego
Dallas
Los Angeles
Phoenix
Inland Empire
Austin
Tucson
2008P is projected through September
Source: BLS; Sullivan Group Real Estate Advisors
Phone 858.523.1443 www.sullivangroupadvisors.com
5. Unemployment Level:
United States vs. San Diego
10.0
United States 7.2%
United States 7.2%
9.0
San Diego 6.9%
San Diego 6.9%
8.0
7.0
6.0
5.0
4.0
3.0
2.0
1.0
0.0
Dec-90
Dec-91
Dec-92
Dec-93
Dec-94
Dec-95
Dec-96
Dec-97
Dec-98
Dec-99
Dec-00
Dec-01
Dec-02
Dec-03
Dec-04
Dec-05
Dec-06
Dec-07
Dec-08
United States San Diego
Note: US data as of Dec 2008 and San Diego as of Nov 2008
Source: Bureau of Labor Statistics; Sullivan Group
Phone 858.523.1443 www.sullivangroupadvisors.com
6. San Diego’s Residential Permits are at the
Lowest Level Since the 1940s
2004 15,587
2004 15,587
50,000 Long-term average - 17,000/yr 2005 14,306 -8%
2005 14,306 -8%
45,000 2006 9,194 -36%
2006 9,194 -36%
Building Permits
40,000 2007 7,461 -19%
2007 7,461 -19%
2008P 5,500 -26%
2008P 5,500 -26%
35,000
30,000
25,000
20,000
15,000
10,000
5,000
0
2008P
1948
1954
1960
1966
1972
1978
1984
1990
1996
2002
Note: 2008 is a projection using data through November
Source: SOCDS; Sullivan Group
Phone 858.523.1443 www.sullivangroupadvisors.com
8. +/-32,000 Homes Sales in ’08: Good/Bad = Bad/Good?
8 year Total Home
2004 68,262 +7%
2004 68,262 +7%
70,000 Sales Average
2005 58,953 -14%
2005 58,953 -14% 50,507
2006 42,253 -28%
2006 42,253 -28%
60,000
2007 32,658 -23%
2007 32,658 -23%
2008P 32,794 0%
2008P 32,794 0%
50,000
40,000
8 year New Home
Sales Average
30,000 9,835
20,000
10,000
0
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
2008P
New Existing
Source: Dataquick; Hanley Wood; Sullivan Group
Phone 858.523.1443 www.sullivangroupadvisors.com
9. San Diego County New Home Sales
2008P = ±2,800
16,000
14,000
12,000
10,000
8,000
6,000
4,000
2,000
0
2008P
1988
1989
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007
Detached Attached
2008P annualized using data from January through November.
Source: Hanley Wood; Sullivan Group
Phone 858.523.1443 www.sullivangroupadvisors.com
10. Case-Shiller: Prices Down 36% Since 2005
Drop from Peak - 36%
300
October 2008
250
San Diego 159.12
200 Composite of 10 169.78
150
100
50
0
Jan-87
Jan-88
Jan-89
Jan-90
Jan-91
Jan-92
Jan-93
Jan-94
Jan-95
Jan-96
Jan-97
Jan-98
Jan-99
Jan-00
Jan-01
Jan-02
Jan-03
Jan-04
Jan-05
Jan-06
Jan-07
Jan-08
San Diego Composite of 10
Composite of 10 includes Boston, Chicago, Denver, Las Vegas, Los Angeles, Miami, New York, San Diego,
San Francisco, Washington DC
Source: S&P/Case-Shiller; Sullivan Group
Phone 858.523.1443 www.sullivangroupadvisors.com
12. Affordability Back to Late 1990s Level
3rd Qtr 2008 = 38.7
rd
50
45
40
35
30
25
20
15
10
5
0
1Q97
3Q97
1Q98
3Q98
1Q99
3Q99
1Q00
3Q00
1Q01
3Q01
1Q02
1Q04
3Q04
1Q05
3Q05
1Q06
3Q06
1Q07
3Q07
1Q08
3Q08
Note: 2Q02 through 3Q03 data not available
Source: NAHB Housing Opportunity Index; Sullivan Group
Phone 858.523.1443 www.sullivangroupadvisors.com
13. Number of Active Home Projects is Declining
San Diego: Q1 ‘05 to Q3 ‘08: - 46%
November 2008
November 2008
Active Projects –– 188
Active Projects 188
Total Sales - - 41
Total Sales 41
Active Projects
400 2,000
348 in Nov 06
350 188 in Nov 08
Active Projects
300 1,500
Total Sales
250
200 1,000
150
100 500
50
0 0
Jan-05
Apr-05
Jul-05
Oct-05
Jan-06
Apr-06
Jul-06
Oct-06
Jan-07
Apr-07
Jul-07
Oct-07
Jan-08
Apr-08
Jul-08
Oct-08
Active Projects Sales
Source: Hanley Wood; Sullivan Group Real Estate Advisors
Phone 858.523.1443 www.sullivangroupadvisors.com
14. New Detached Inventory is Generally Low
November 2008
750 12.0
10.0
Speculative Inventory
600
Months of Inventory
8.0
450
6.0
300
4.0
150 2.0
0 0.0
San Diego Central Coastal East Inland South Bay
County North North
Number of Units Months of Inventory
Source: Hanley Wood; Sullivan Group Real Estate Advisors
Phone 858.523.1443 www.sullivangroupadvisors.com
15. Most New Attached Inventory in Central Submarket
November 2008
2,000
1,800 30.0
Speculative Inventory
1,600
Months of Inventory
82% of Attached Inventory 25.0
1,400
in Central Submarket
1,200 20.0
1,000
15.0
800
600 10.0
400
5.0
200
0 0.0
San Diego Central Coastal East Inland South Bay
County North North
Speculative Inventory Months of Inventory
Source: Hanley Wood; Sullivan Group Real Estate Advisors
Phone 858.523.1443 www.sullivangroupadvisors.com
18. Active Resale Listings Have Declined Steadily
26,000 Jan 14, 2009
Jan 14, 2009
24,000 Attached 4,535
Attached 4,535
Detached 9,512
22,000 Detached 9,512
Total 14,047
Total 14,047
20,000
18,000
16,000
14,000
12,000
10,000
8,000
6,000
4,000
2/13/2007
3/13/2007
4/13/2007
5/13/2007
6/13/2007
7/13/2007
8/13/2007
9/13/2007
10/13/2007
11/13/2007
12/13/2007
1/13/2008
2/13/2008
3/13/2008
4/13/2008
5/13/2008
6/13/2008
7/13/2008
8/13/2008
9/13/2008
10/13/2008
11/13/2008
12/13/2008
SFD Listings Attached Listings Total Listings
Source: Zip Realty; Sullivan Group
Phone 858.523.1443 www.sullivangroupadvisors.com
19. There is a 6.2 Month Supply of Resale Units
25,000 5,000
22,500 4,500
Total Existing Sales
20,000 4,000
17,500 3,500
Listings
15,000 3,000
12,500 2,500
10,000 2,000
7,500 1,500
Dec ’08 Listings 15,110
5,000 1,000
Nov ’08 Sales 2,411
2,500 500
0 0
Mar-06
May-06
Nov-06
Mar-07
May-07
Nov-07
Mar-08
May-08
Nov-08
Jan-06
Sep-06
Jan-07
Sep-07
Jan-08
Sep-08
Jul-06
Jul-07
Jul-08
Listings Total Existing Sales
Source: Zip Realty; Dataquick; Sullivan Group
Phone 858.523.1443 www.sullivangroupadvisors.com
20. Foreclosures Still at Record Levels in
San Diego County
7,000
6,000 3Q06 = 561
3Q07 = 2,355
5,000
3Q08 = 6,463
4,000
3,000
2,000
1,000
0
Q3/89
Q3/90
Q3/91
Q3/92
Q3/93
Q3/94
Q3/95
Q3/96
Q3/97
Q3/98
Q3/99
Q3/00
Q3/01
Q3/02
Q3/03
Q3/04
Q3/05
Q3/06
Q3/07
Q3/08
Source: Real Estate Research Council; CAR; Sullivan Group Real Estate Advisors
Phone 858.523.1443 www.sullivangroupadvisors.com
21. NOD’s Jumped Again in December ‘08
4,000
3,500
3,000
2,500
2,000
1,500
1,000
500
0
Oct-07
Oct-08
Nov-07
Dec-07
Jan-08
Feb-08
Apr-08
Jun-08
Jul-08
Aug-08
Sep-08
Nov-08
Dec-08
Mar-08
May-08
Source: InnoVest Resource Mgmt; Sullivan Group
Phone 858.523.1443 www.sullivangroupadvisors.com
22. Foreclosures at Record Level of Transactions
(Nov 2008 = 15.4%)
25,000 25%
Data reflects new state
requirement which requires
20,000 20%
lenders to contact homeowners
Trustee Deeds as % of All Deeds
30 days prior to filing.
15,000 15%
10,000 10%
5,000 5%
0 0%
Nov-91
Nov-92
Nov-93
Nov-94
Nov-95
Nov-96
Nov-97
Nov-98
Nov-99
Nov-00
Nov-01
Nov-02
Nov-03
Nov-04
Nov-05
Nov-06
Nov-07
Nov-08
All Deeds Notices of Default Trustee's Deed TD % of all Deeds
Source: InnoVest Resource Mgmt; Sullivan Group
Phone 858.523.1443 www.sullivangroupadvisors.com
23. Top 10 Homebuilders
San Diego County
Jan-Nov % of Jan-Nov % of
Builder Name 2008 Sales Total 2007 Sales Total
1 Shea Homes 248 9.6% 354 5.9%
2 Pardee Homes 169 6.5% 316 5.3%
3 Standard Pacific Homes 160 6.2% 290 4.8%
4 Lennar Homes 146 5.6% 220 3.7%
5 William Lyon Homes 139 5.4% 278 4.6%
6 Brookfield Homes 89 3.4% 79 1.3%
7 Davidson Communities 76 2.9% 61 1.0%
8 Hammer Ventures 71 2.7% 177 2.9%
9 Richmond American Homes 70 2.7% 104 1.7%
10 KB Home 63 2.4% 126 2.1%
Total Top 10 Builders 1,231 47.4% 2,005 33.4%
Total San Diego County 2,595 100.0% 6,002 6,002
Source: Hanley Wood; Sullivan Group
Phone 858.523.1443 www.sullivangroupadvisors.com
24. Best Selling Attached Projects
January – November 2008
Jan-Nov
Project Name Community Name Open Date Sales
VILLA MONTEVINA Rancho San Diego 04/29/2006 67
VILLA LA JOLLA CONDOMINIUMS La Jolla 06/30/2005 56
GIANNI AT 4S RANCH Rancho Bernardo 05/07/2005 45
SUNSET COVE Clairemont 01/20/2007 39
APERTURE Downtown San Diego 09/15/2005 38
SUNCREST RIDGE CONDOS Oceanside 02/11/2007 38
LAS BRISAS Oceanside 04/13/2005 37
CYPRESS GREENS Poway 04/14/2007 37
TREVISO Santee 04/09/2005 32
NORTHSTAR Santee 04/21/2007 30
Note: Red Highlight indicates condo conversion project.
Source: Hanley Wood; Sullivan Group Real Estate Advisors
Phone 858.523.1443 www.sullivangroupadvisors.com
25. Best Selling Detached Projects
January - November 2008
Jan-Nov
Project Name Community Name Open Date Sales
PORTICO AT PACIFIC HIGHLANDS RANCH Future Urbanizing - Coastal 03/12/2005 39
BRIARS OF EUREKA SPRINGS (THE) Escondido 07/16/2006 36
TRIESTE AT LA COSTA GREENS La Costa 03/31/2007 33
CABRILLO AT DEL SUR San Diego 09/01/2005 31
DERBY HILL Carmel Valley 09/17/2005 31
SAN VINCENZO AT LA COSTA RIDGE Carlsbad 03/25/2006 31
LAKE RANCHO VIEJO Fallbrook 01/26/2006 28
CARRIAGE RUN Carmel Valley 06/01/2006 25
ESMERALDA Otay Mesa 05/07/2005 25
SERRAMAR La Mesa 03/19/2005 25
Source: Hanley Wood; Sullivan Group
Phone 858.523.1443 www.sullivangroupadvisors.com
26. Prospects for a Housing
Market Bottom in 2009?
For: San Diego BIA Annual Bull & Bear
January 15, 2009
SULLIVAN GROUP REAL ESTATE ADVISORS
Peter Dennehy, Sr. Vice President
(858) 523-1443 x118
p.dennehy@sgrea.com
Phone 858.523.1443 www.sullivangroupadvisors.com