Real time opportunities and target marketing is a presentation that was shared by Jared James at Zillow Academy. He asked that we post this and share it with others. Enjoy!
The housing market in Canada continues its relatively balanced trajectory with home sales stable and prices rising moderately. Economic growth forecasts were revised upwards and interest rates are expected to rise gradually. Overall the market is expected to remain balanced in the near future with opportunities for both home buyers and sellers.
The document summarizes housing market trends in March 2011. It notes that home sales were up 3.7% from the previous month but down 6.3% from March 2010. Home prices rebounded 2.2% but remain below year-ago levels. Inventory levels remained stable compared to the previous month. Mortgage rates have remained stable around 4.8% and housing affordability continues at record levels. The document also provides updates on government incentives and topics for home buyers, sellers and owners such as staging a home for sale.
The document discusses the housing market recovery and policy issues affecting homeowners. It summarizes comments from an economist predicting a multi-year housing recovery driven by job growth and pent-up demand. It also discusses a proposed bill (SB 30) that would provide tax relief for homeowners undergoing short sales, but notes the bill is linked to another potentially increasing taxes. The document advocates for the two bills to receive separate votes based on their individual merits.
Immigration + US Election Webinar Slideshiddenlevers
This document discusses immigration and the US election. It provides snapshots of current US immigration trends, the candidates' positions on immigration, and scenarios for how different immigration policies could impact GDP growth and the stock market. Skills-based immigration reforms could boost GDP by 0.5% annually and send markets to new highs. The status quo would mean continued slow growth. Restrictive policies under a "Trump Wall" scenario could drag down GDP and cause a market correction. Gridlock is expected to continue or worsen after the election.
The document discusses current market valuations and potential future scenarios. It notes that zero interest rate policies are lifting housing prices but valuation metrics are not excessive yet. While stock prices have risen, earnings growth has caused the P/E ratio to decline slightly from its peak. Three scenarios for future stock performance are presented: 1) Continued earnings growth lifts valuations and returns substantially. 2) Earnings growth keeps valuations flat, enabling solid returns. 3) A mild recession causes a 20% drop in valuations. The document concludes that starting at high valuations typically leads to subpar future returns.
Trump Agenda Webinar Slides - Dec 2016hiddenlevers
- The document discusses potential scenarios for President Trump's agenda, including tax cuts, infrastructure spending, and immigration policy changes.
- In the best case, tax reform and increased fiscal spending could boost GDP and stock market gains. However, failure to enact major policies or distractions could cause the market to give up post-election gains.
- Strict limits on immigration could significantly curb GDP growth by reducing population growth, putting the economy at risk of stagnation like Japan. Mass deportations could even trigger a recession.
The housing market in Canada continues its relatively balanced trajectory with home sales stable and prices rising moderately. Economic growth forecasts were revised upwards and interest rates are expected to rise gradually. Overall the market is expected to remain balanced in the near future with opportunities for both home buyers and sellers.
The document summarizes housing market trends in March 2011. It notes that home sales were up 3.7% from the previous month but down 6.3% from March 2010. Home prices rebounded 2.2% but remain below year-ago levels. Inventory levels remained stable compared to the previous month. Mortgage rates have remained stable around 4.8% and housing affordability continues at record levels. The document also provides updates on government incentives and topics for home buyers, sellers and owners such as staging a home for sale.
The document discusses the housing market recovery and policy issues affecting homeowners. It summarizes comments from an economist predicting a multi-year housing recovery driven by job growth and pent-up demand. It also discusses a proposed bill (SB 30) that would provide tax relief for homeowners undergoing short sales, but notes the bill is linked to another potentially increasing taxes. The document advocates for the two bills to receive separate votes based on their individual merits.
Immigration + US Election Webinar Slideshiddenlevers
This document discusses immigration and the US election. It provides snapshots of current US immigration trends, the candidates' positions on immigration, and scenarios for how different immigration policies could impact GDP growth and the stock market. Skills-based immigration reforms could boost GDP by 0.5% annually and send markets to new highs. The status quo would mean continued slow growth. Restrictive policies under a "Trump Wall" scenario could drag down GDP and cause a market correction. Gridlock is expected to continue or worsen after the election.
The document discusses current market valuations and potential future scenarios. It notes that zero interest rate policies are lifting housing prices but valuation metrics are not excessive yet. While stock prices have risen, earnings growth has caused the P/E ratio to decline slightly from its peak. Three scenarios for future stock performance are presented: 1) Continued earnings growth lifts valuations and returns substantially. 2) Earnings growth keeps valuations flat, enabling solid returns. 3) A mild recession causes a 20% drop in valuations. The document concludes that starting at high valuations typically leads to subpar future returns.
Trump Agenda Webinar Slides - Dec 2016hiddenlevers
- The document discusses potential scenarios for President Trump's agenda, including tax cuts, infrastructure spending, and immigration policy changes.
- In the best case, tax reform and increased fiscal spending could boost GDP and stock market gains. However, failure to enact major policies or distractions could cause the market to give up post-election gains.
- Strict limits on immigration could significantly curb GDP growth by reducing population growth, putting the economy at risk of stagnation like Japan. Mass deportations could even trigger a recession.
America's 1% - The Wealthiest Americans and How to Reach Them DigitallyAudiencePartners
America's one percent is coveted by marketers, financial services companies, and politicians. Audience Partners can target and message to this group on four digital screens with interactive advertising. Learn more at www.audiencepartners.com
This document summarizes a presentation given by Lawrence Yun at the NAR Midyear Meetings on May 17, 2007. The presentation discusses trends in local real estate markets and forecasts, showing data on housing prices, sales, construction jobs, mortgage rates and delinquencies, and economic indicators in different cities and regions. It also lists the top markets for growth and global livable cities. The key message is that the housing market needs to be analyzed at the local level as conditions vary significantly between areas.
Grow Minnesota presentation on economic development in the state. Focusing on bettering the business environment, and results of the 2010-2011 year's impact.
This document provides instructions for a federal government assessment assignment. Students are asked to answer at least 4 out of 8 questions in 35,000 words or less regarding various topics impacting the federal government. The questions cover issues like the role of congressional hearings, international agreements, immigration reform under the Biden administration, the impact of social movements, tax policy, monetary policy, and potential legal issues facing former President Trump. Students are encouraged to thoroughly research the questions and demonstrate their skills through examples, graphs, and illustrations.
The US dollar came in strong in January due to post-election rallies and Fed rate hikes. However, uncertainty over Trump's policies and a less hawkish than expected FOMC statement weighed on the dollar. In February, markets will watch for actual policy actions from Trump and upcoming US economic data. The Canadian dollar gained on oil prices and US dollar weakness. Upcoming Canadian inflation and employment data as well as any NAFTA developments will impact the currency. The euro was little changed in January but faces political risks from upcoming European elections. Uncertainty over European political shifts and the ECB's monetary policy could impact the euro. The British pound rebounded from lows on Brexit plans but faces pressure as Brexit negotiations begin
The Global Risk Nexus: Economics, Politics, Policy & Markets - MSCI Instituti...Jay Pelosky
I use the Global Risk Nexus framework to develop original insights into the investment landscape. Given where we are calendar wise the Politics and Policy sections are definitely worth a look.
The document summarizes recent data on the US housing market. It reports that existing home sales increased for the second month in a row in April, supported by factors like the homebuyer tax credit and improved consumer confidence. Meanwhile, home prices and inventory levels showed signs of stability compared to previous years. Mortgage rates remained low historically but are expected to rise gradually. Government actions aim to shift responsibility for overseeing mortgage brokers from the FHA to lenders to improve risk management.
The document discusses the potential repeal of the Affordable Care Act (ACA or Obamacare) under President Trump. It outlines three possible scenarios: 1) A "good" radical transformation that creates universal catastrophic coverage similar to Singapore's model. 2) A "neutral" stopgap replacement that carves up Obamacare but doesn't solve long-term issues. 3) An "ugly" repeal without replacement that could collapse private insurance markets and hurt the healthcare sector and economy. The document also analyzes differences between Trump, GOP Congressional leaders, and Senator Rand Paul's plans and who the winners and losers may be under a "TrumpCare" system.
CIT: Voice of the Middle Market – Perspectives from the Heart of the U.S. Eco...CIT Group
According to U.S. Census data, middle market executives, whose companies take in more than $6 trillion in revenues and employ more than 30 million people annually, are expressing renewed optimism in their business prospects compared to a year ago. However, despite this positive outlook they are concerned about potential tax increases, government regulations, compliance with the Affordable Care Act and the current strength of the U.S. and global economies.
This document discusses the competing interests that are driving up healthcare costs in the United States. It notes that healthcare spending totals $3.4 trillion annually and is negatively impacting companies' earnings and employees' wages. The main competing interests that are highlighted include brokers, PPO networks, insurance carriers, and pharmacy benefit managers. The document advocates for putting healthcare as the top priority and enacting common sense solutions and a willingness to change in order to help control costs.
The document discusses three tech companies from the late 1990s - theglobe.com, Pets.com, and eToys - that experienced strong growth and valuations but ultimately failed or declared bankruptcy. It draws a parallel to recent social media company LinkedIn's large first day stock increase and notes investors should pay attention to lessons from the past to avoid making irrational investment decisions.
The document is a summary of key findings from a 2019 nationwide survey conducted by the Rock Center for Corporate Governance at Stanford University on Americans' views toward tax policies. Some major findings include:
- Americans believe that tax rates for the highest income earners are about right, with around half thinking rates should stay the same or decrease and a third thinking they should increase.
- A majority support a wealth tax on individuals with over $50 million in assets but oppose it if it could harm the economy or increase unemployment.
- Americans overwhelmingly reject the idea of setting a maximum limit on personal wealth.
- There is no consensus on universal basic income, with around half opposing the idea and less than a third
Govt butt heads War Room slides -- 01-24-2019hiddenlevers
This document discusses ongoing gridlock between the US government. It provides context on the recent government shutdown and compares the current situation to past periods of gridlock under other administrations. While gridlock can worry investors in the short-term, historical evidence suggests it has not significantly impacted markets. The greatest risk is if gridlock were to result in the US defaulting on its debt, which could have severe economic consequences. Moderate gridlock that limits government overspending is seen as mostly positive for the economy.
A poll of over 5,000 registered voters found that among Republican candidates, Mitt Romney was the only one currently leading President Obama. The poll also showed that among independent voters, Mitt Romney, Mike Huckabee, Donald Trump, and Newt Gingrich currently led President Obama. Finally, the poll indicated that Mitt Romney had the best chance of any Republican candidate of defeating President Obama in the 2012 election, while Donald Trump was seen as most likely to sway Democratic voters.
The document summarizes recent data on the US housing market from the National Association of Realtors. It reports that existing home sales increased for the second month in a row in April, while home prices and inventory levels showed signs of stability compared to previous years. Mortgage rates dipped below 5% due to global economic factors. Affordability remains high compared to historical levels. The FHA is shifting responsibility for overseeing mortgage brokers to lenders in an effort to improve risk management.
The document contains summaries of several polls of Trump voters on various policy issues. According to the polls:
- Trump voters favor increased federal spending on issues like immigration enforcement, the military, and infrastructure over cuts to programs like foreign aid and welfare. They also support maintaining spending on areas like the environment, healthcare, and education.
- A majority of Trump voters support action on climate change, environmental protection, and renewable energy over pulling out of the Paris Agreement or reducing regulations. However, many also support expanding fossil fuel production.
- Around half of Trump voters believe it should be easier for public figures to sue news media for unfavorable coverage, and support cuts to federal funding for public media.
The document provides an economic outlook for 2015 from K.C. Conway, an economist. Some key points:
1) Houston had strong job growth in 2014 but may see slower growth in 2015, especially if oil prices remain low. The Dallas Fed estimates Texas could lose 140,000 energy-related jobs.
2) National GDP growth is expected to remain around 2.5-3% in 2015. Private payrolls grew steadily in 2014 according to ADP but official government jobs data may be revised.
3) The housing market outlook is positive but single family home construction may be slightly lower in 2015 at 700,000-750,000 units rather than over 1 million. Multi-family construction will be
El documento resume el discurso de apertura del Dr. Martín Millmaniene en el XV Congreso Argentino de Obesidad y Trastornos Alimentarios. El Dr. Millmaniene destaca la transición epidemiológica hacia enfermedades no transmisibles como obesidad y diabetes. También critica el modelo alimentario actual basado en alimentos procesados, señalando que esto causa un conflicto entre el ambiente y la biología humana. Finalmente, resalta la importancia de estudiar la alimentación ancestral para la cual estamos diseñados bioló
NutriLive Care develops and manufactures natural nutrition formulas and health products to support optimal health, with research and development based in Canada, production in the US, and products sold worldwide; their product lines focus on immune support using medicinal mushrooms and greens, and they envision expanding internationally by partnering with local companies to market and distribute their products in each territory.
Este es Plan de Éxito del Club Toastmasters Instituto Tecnológico de Veracruz para el período 2012-2013 y fue redactado por su comité ejecutivo de este ciclo.
America's 1% - The Wealthiest Americans and How to Reach Them DigitallyAudiencePartners
America's one percent is coveted by marketers, financial services companies, and politicians. Audience Partners can target and message to this group on four digital screens with interactive advertising. Learn more at www.audiencepartners.com
This document summarizes a presentation given by Lawrence Yun at the NAR Midyear Meetings on May 17, 2007. The presentation discusses trends in local real estate markets and forecasts, showing data on housing prices, sales, construction jobs, mortgage rates and delinquencies, and economic indicators in different cities and regions. It also lists the top markets for growth and global livable cities. The key message is that the housing market needs to be analyzed at the local level as conditions vary significantly between areas.
Grow Minnesota presentation on economic development in the state. Focusing on bettering the business environment, and results of the 2010-2011 year's impact.
This document provides instructions for a federal government assessment assignment. Students are asked to answer at least 4 out of 8 questions in 35,000 words or less regarding various topics impacting the federal government. The questions cover issues like the role of congressional hearings, international agreements, immigration reform under the Biden administration, the impact of social movements, tax policy, monetary policy, and potential legal issues facing former President Trump. Students are encouraged to thoroughly research the questions and demonstrate their skills through examples, graphs, and illustrations.
The US dollar came in strong in January due to post-election rallies and Fed rate hikes. However, uncertainty over Trump's policies and a less hawkish than expected FOMC statement weighed on the dollar. In February, markets will watch for actual policy actions from Trump and upcoming US economic data. The Canadian dollar gained on oil prices and US dollar weakness. Upcoming Canadian inflation and employment data as well as any NAFTA developments will impact the currency. The euro was little changed in January but faces political risks from upcoming European elections. Uncertainty over European political shifts and the ECB's monetary policy could impact the euro. The British pound rebounded from lows on Brexit plans but faces pressure as Brexit negotiations begin
The Global Risk Nexus: Economics, Politics, Policy & Markets - MSCI Instituti...Jay Pelosky
I use the Global Risk Nexus framework to develop original insights into the investment landscape. Given where we are calendar wise the Politics and Policy sections are definitely worth a look.
The document summarizes recent data on the US housing market. It reports that existing home sales increased for the second month in a row in April, supported by factors like the homebuyer tax credit and improved consumer confidence. Meanwhile, home prices and inventory levels showed signs of stability compared to previous years. Mortgage rates remained low historically but are expected to rise gradually. Government actions aim to shift responsibility for overseeing mortgage brokers from the FHA to lenders to improve risk management.
The document discusses the potential repeal of the Affordable Care Act (ACA or Obamacare) under President Trump. It outlines three possible scenarios: 1) A "good" radical transformation that creates universal catastrophic coverage similar to Singapore's model. 2) A "neutral" stopgap replacement that carves up Obamacare but doesn't solve long-term issues. 3) An "ugly" repeal without replacement that could collapse private insurance markets and hurt the healthcare sector and economy. The document also analyzes differences between Trump, GOP Congressional leaders, and Senator Rand Paul's plans and who the winners and losers may be under a "TrumpCare" system.
CIT: Voice of the Middle Market – Perspectives from the Heart of the U.S. Eco...CIT Group
According to U.S. Census data, middle market executives, whose companies take in more than $6 trillion in revenues and employ more than 30 million people annually, are expressing renewed optimism in their business prospects compared to a year ago. However, despite this positive outlook they are concerned about potential tax increases, government regulations, compliance with the Affordable Care Act and the current strength of the U.S. and global economies.
This document discusses the competing interests that are driving up healthcare costs in the United States. It notes that healthcare spending totals $3.4 trillion annually and is negatively impacting companies' earnings and employees' wages. The main competing interests that are highlighted include brokers, PPO networks, insurance carriers, and pharmacy benefit managers. The document advocates for putting healthcare as the top priority and enacting common sense solutions and a willingness to change in order to help control costs.
The document discusses three tech companies from the late 1990s - theglobe.com, Pets.com, and eToys - that experienced strong growth and valuations but ultimately failed or declared bankruptcy. It draws a parallel to recent social media company LinkedIn's large first day stock increase and notes investors should pay attention to lessons from the past to avoid making irrational investment decisions.
The document is a summary of key findings from a 2019 nationwide survey conducted by the Rock Center for Corporate Governance at Stanford University on Americans' views toward tax policies. Some major findings include:
- Americans believe that tax rates for the highest income earners are about right, with around half thinking rates should stay the same or decrease and a third thinking they should increase.
- A majority support a wealth tax on individuals with over $50 million in assets but oppose it if it could harm the economy or increase unemployment.
- Americans overwhelmingly reject the idea of setting a maximum limit on personal wealth.
- There is no consensus on universal basic income, with around half opposing the idea and less than a third
Govt butt heads War Room slides -- 01-24-2019hiddenlevers
This document discusses ongoing gridlock between the US government. It provides context on the recent government shutdown and compares the current situation to past periods of gridlock under other administrations. While gridlock can worry investors in the short-term, historical evidence suggests it has not significantly impacted markets. The greatest risk is if gridlock were to result in the US defaulting on its debt, which could have severe economic consequences. Moderate gridlock that limits government overspending is seen as mostly positive for the economy.
A poll of over 5,000 registered voters found that among Republican candidates, Mitt Romney was the only one currently leading President Obama. The poll also showed that among independent voters, Mitt Romney, Mike Huckabee, Donald Trump, and Newt Gingrich currently led President Obama. Finally, the poll indicated that Mitt Romney had the best chance of any Republican candidate of defeating President Obama in the 2012 election, while Donald Trump was seen as most likely to sway Democratic voters.
The document summarizes recent data on the US housing market from the National Association of Realtors. It reports that existing home sales increased for the second month in a row in April, while home prices and inventory levels showed signs of stability compared to previous years. Mortgage rates dipped below 5% due to global economic factors. Affordability remains high compared to historical levels. The FHA is shifting responsibility for overseeing mortgage brokers to lenders in an effort to improve risk management.
The document contains summaries of several polls of Trump voters on various policy issues. According to the polls:
- Trump voters favor increased federal spending on issues like immigration enforcement, the military, and infrastructure over cuts to programs like foreign aid and welfare. They also support maintaining spending on areas like the environment, healthcare, and education.
- A majority of Trump voters support action on climate change, environmental protection, and renewable energy over pulling out of the Paris Agreement or reducing regulations. However, many also support expanding fossil fuel production.
- Around half of Trump voters believe it should be easier for public figures to sue news media for unfavorable coverage, and support cuts to federal funding for public media.
The document provides an economic outlook for 2015 from K.C. Conway, an economist. Some key points:
1) Houston had strong job growth in 2014 but may see slower growth in 2015, especially if oil prices remain low. The Dallas Fed estimates Texas could lose 140,000 energy-related jobs.
2) National GDP growth is expected to remain around 2.5-3% in 2015. Private payrolls grew steadily in 2014 according to ADP but official government jobs data may be revised.
3) The housing market outlook is positive but single family home construction may be slightly lower in 2015 at 700,000-750,000 units rather than over 1 million. Multi-family construction will be
El documento resume el discurso de apertura del Dr. Martín Millmaniene en el XV Congreso Argentino de Obesidad y Trastornos Alimentarios. El Dr. Millmaniene destaca la transición epidemiológica hacia enfermedades no transmisibles como obesidad y diabetes. También critica el modelo alimentario actual basado en alimentos procesados, señalando que esto causa un conflicto entre el ambiente y la biología humana. Finalmente, resalta la importancia de estudiar la alimentación ancestral para la cual estamos diseñados bioló
NutriLive Care develops and manufactures natural nutrition formulas and health products to support optimal health, with research and development based in Canada, production in the US, and products sold worldwide; their product lines focus on immune support using medicinal mushrooms and greens, and they envision expanding internationally by partnering with local companies to market and distribute their products in each territory.
Este es Plan de Éxito del Club Toastmasters Instituto Tecnológico de Veracruz para el período 2012-2013 y fue redactado por su comité ejecutivo de este ciclo.
Aprende y Emprende: Puedes ser quien quieres, sólo te falta emprender para ...QuitoTech
Charla CONQUITO "Puedes ser quien quieres, sólo te falta emprender para lograrlo" en la primera conferencia "APRENDE Y EMPRENDE" organizada por la Universidad de las Fuerzas Armadas -ESPE y el Grupo de Gestión y Liderazgo, 10 julio 2014, Quito, Ecuador.
@ConquitoDMQ @quitotech @Espeu
1) Digital media has become a dominant force globally, surpassing traditional media like television and newspapers in many markets. Marketers are shifting their spending to digital channels as consumer behavior changes with new forms of participation and personalization online.
2) Digimarketing follows new principles of permission, participation, profiling, and personalization known as the "4Ps". It is also becoming more social and agile to changing behaviors.
3) Digital technologies produce abundant data that can provide new metrics and insights but also raise questions about privacy and how personalization should be implemented without disturbing consumers. Market researchers must adapt to the new digimarketed environment.
The document is a list of exhibitors and visitors attending the France - Bretagne Pavilion at the MWC in Barcelona from 2-5 March 2015 in Hall 5 and Hall 8.1 App Planet. It lists 10 exhibitors including AriadNEXT, Broadpeak, Capptain, Cartelmatic, Enensys Technologies, Kerlink, Nov'IT, Secure-IC, Siradel, and SmartViser. It also lists one visitor, Voxygen. The document provides contact details for each exhibitor including name, stand number, address, phone number, Twitter handle and website. It also includes a 1-2 sentence description of each company.
La Revista Annals d’Urologia és una publicació de la Societat Catalana d'Urologia que publica articles en català, castellà i en anglès que tinguin interès per a qualsevol especialista d'Urologia i altres professionals sanitaris.
La vigorexia es un trastorno obsesivo relacionado con la imagen corporal en el que la persona se obsesiona con sus imperfecciones físicas y desarrolla un programa de entrenamiento intenso y duro. Las personas con personalidad obsesiva y problemas emocionales son más propensas. El tratamiento implica reducir el programa de ejercicios a niveles más razonables con apoyo del entorno y enfocándose en otras actividades además del entrenamiento intenso.
La Unión Europea ha acordado un paquete de sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen restricciones a las importaciones de productos rusos clave como el acero y la madera, así como medidas contra bancos y funcionarios rusos. Los líderes de la UE esperan que las sanciones aumenten la presión económica sobre Rusia y la disuadan de continuar su agresión contra Ucrania.
Este documento describe un proyecto educativo mínimo viable llamado "De colores se viste... la solidaridad" que tiene como objetivo crear cortometrajes solidarios para recaudar fondos para proyectos de cooperación. El proyecto involucra a estudiantes analizando un cuento, investigando sobre Haití, y creando personajes y escenarios para adaptar el cuento a la realidad de Haití. Los estudiantes luego grabarán y editarán sus cortometrajes para presentarlos en un festival benéfico.
Este documento presenta un resumen de los fonemas del idioma quechua. Explica que la pronunciación de los sonidos o fonemas del quechua es diferente a otros idiomas, y que cada palabra tiene un significado según su pronunciación. Luego procede a listar y explicar la pronunciación de las vocales, consonantes y combinaciones de ambas que componen los fonemas del idioma quechua, incluyendo ejemplos de palabras. Finalmente, presenta el texto de un video en quechua que ilustra la pronunciación de los diversos fone
El documento presenta una canción infantil para ser cantada y bailada por niños de segundo grado de primaria. La canción guía actividades coordinadas de movimiento del cuerpo y la voz. El documento también describe objetivos y competencias relacionadas con la expresión artística y comunicación, e instrucciones para la interpretación de la canción en grupo.
Promat is a global leader in fire protection solutions for the oil and gas industry. It has over 50 years of experience developing fire protection coatings and insulation systems. Promat offers a full suite of passive fire protection products including coatings for structural steel and vessels, fire barrier panels for equipment protection, and high performance insulation solutions. With locations worldwide, Promat has successfully completed over 20 million square meters of fire protection projects in the oil and gas sector.
This document summarizes the financial results of ACCIONA Group for the first half of 2015. Key points include:
- Revenues increased 9.9% to €3,304 million driven by growth in energy business.
- EBITDA grew 21.4% to €573 million with energy contributing most at 82%.
- Attributable net profit increased 50.6% to €103 million.
- Net debt decreased 2.7% to €5,153 million while gearing improved.
- Capital expenditure declined 48.2% to €99 million mainly in energy division.
Este documento presenta una lista de 15 verbos frasales en inglés con su traducción al español y un ejemplo de uso para cada uno. Explica que los verbos frasales consisten en un verbo más un adverbio o preposición, y deben estudiarse como vocabulario separado con un significado específico. Aconseja usar la lista como guía de referencia cuando se encuentren expresiones desconocidas.
El documento describe a los gigantes de Maó, incluyendo a Tomeu y Na Guida que pesan 54 y 50 kilos respectivamente y miden 3.25 y 3.23 metros de altura, así como al más pequeño Miquelet Es Salero que pesa 17 kilos y mide 1.11 metros. También explica que los giganteros son un grupo de personas de diferentes edades que se encargan de cuidar y hacer bailar a los gigantes durante las fiestas, vistiendo de manera uniforme.
Este documento describe la evolución histórica y futura de las telecomunicaciones móviles, desde la 1G analógica hasta la 4G basada en IP. Detalla las principales tecnologías de cada generación como GSM, GPRS, UMTS, LTE y sus características. También explica conceptos clave como CDMA, TDMA, APN, WAP y EDGE y su papel en el desarrollo de las redes celulares.
Como debe ser el acompañamiento tutorial de un E-Mediador en AVA mediante el...CEMAcemartineza
El documento describe el papel de un mediador en un entorno de aprendizaje virtual (AVA) y cómo puede usar un entorno personal de aprendizaje (PLE) para apoyar a los estudiantes. Explica que un PLE integra herramientas, recursos y conexiones para compartir conocimiento en una red. También describe las partes de un PLE y cómo un mediador puede usar un PLE para dar seguimiento a estudiantes, fomentar la reflexión y compartir recursos. Finalmente, resume los diferentes entornos en un AVA y cómo un mediador puede guiar a
The Real Estate Report May/June - Prices Hit All-Time HighsAMSI, San Francisco
- The median home sale price in San Francisco reached $1,000,000 for the first time ever in April, while the median condo price was $855,000, also an all-time high.
- The sales to list price ratio was 108.2% for homes and 105.2% for condos, both at their highest levels since 2005, indicating a very competitive market for buyers.
- Inventory is extremely low, with only 506 total homes, condos, and lofts for sale in San Francisco as of early April, representing a three week supply versus a normal six month supply.
This is a big picture overview of the social and economic transformation of the USA in the last 20 years. Great wealth and prestige has been lost, the manufacturing and agriculture sectors have declined. The middle class has been decimated and great wealth inequality has been created. Government is under control of big corporations, especially in finance, and effective government agency has been lost.
The document provides an overview and analysis of the Southwest California housing market in 2018 and an outlook for 2019. It notes that 2018 sales were down 12% from 2017 but above forecasts. Median home prices rose 6% in 2018 but price increases slowed in the last quarter. The author expects home sales to decline another 3-4% in 2019 while prices rise 3-5%, with some markets seeing declines. The outlook cites concerns around interest rates, housing supply, and state policies around housing, taxes, and regulations that could negatively impact affordability and the economy.
The real estate market in San Francisco remains extremely competitive, with high demand and low inventory pushing home prices to new all-time highs. In April, the median price for single-family homes hit $1,000,000 for the first time, while the median price for condos/lofts reached $855,000. Sales have also doubled or tripled compared to the previous month. With continued expansion of Silicon Valley and an inventory of only around 500 homes for sale, experts predict prices will continue rising sharply due to lack of supply and high demand.
The San Francisco housing market saw record high median home and condo prices in April. Home sales more than doubled from March, while condo sales rose slightly. The sales to price ratio remained very high, indicating a seller's market with buyers paying well over the asking price. Inventory remained extremely low, at just over three weeks of supply. The report expects prices to continue rising due to high demand and low supply in the area.
The document discusses rising foreclosure rates across the United States according to a recent RealtyTrac report. Some key points:
- Foreclosure filings increased 23% from Q4 2007 and 112% from Q1 2007. One in 194 US households received a filing.
- Nevada, California and Arizona had the highest state foreclosure rates, with one in 54, 78 and 95 households receiving a filing respectively.
- Stockton and Riverside-San Bernardino metro areas in California had the two highest metro foreclosure rates, with one in 30 and 38 households receiving a filing.
- Other metro areas with high foreclosure rates included Las Vegas, Detroit, Phoenix and several cities in Florida
The document discusses trends in the US housing market and forecasts for the future. It notes that housing sales and prices have declined significantly from their peaks but seem to have stabilized. It analyzes factors like the economy, job market, mortgage rates, foreclosures, and consumer confidence and their impact on the housing market. It forecasts that the housing market will continue to be slow in the short-run but recover in coming years as the economy and job market improve and housing inventory and foreclosures are reduced.
Are you considering buying a home? This Home Buyer Guide covers useful information for people buying a home. Should you have any questions, please reach out to me at www.ThePeak.com
- The San Francisco housing market remains very competitive, with sale prices continuing to exceed listing prices. The median home price was over $1,000,000 for the second month in a row.
- The real estate market is still in the recovery stage of the cycle, as seen by declining foreclosures, low inventory, and low mortgage rates. The recovery is expected to continue for the next few years.
- Both home and condo sale prices rose year-over-year in March. The median home price was up 5.3% while the median condo price set a new record at $970,000, up 17% from the previous year.
- The economic recovery is gaining traction slowly, with first quarter GDP growth of 3.2% indicating a sustainable recovery, though it remains subdued compared to past recessions. High unemployment and foreclosures continue to hamper a robust recovery.
- Existing home sales strengthened in March, up 6.5% from February and 16% from the previous year, with 44% of sales being first-time buyers. The median home price was up 0.4% from a year ago.
- Total housing inventory rose slightly but is down 1.8% from the previous year, indicating the market may bottom out in the next few months. Fannie Mae shortened the waiting period for a new mortgage after a short sale
The document discusses the state of the housing market in Southwest California. It notes that home prices have increased 22% year-over-year in June 2013, with median prices reaching their highest levels since 2008. Home sales have remained steady while inventory has risen, alleviating pressure. Distressed home sales now make up a smaller portion of the market. The recovery appears to be continuing but uncertainty remains around employment, the economy, and new state regulations governing foreclosures. The author advocates restoring a tax exemption for senior homeowners to attract more to the region and boost the economy.
This document provides an overview of key considerations for buying a home. It discusses how interest rates and housing inventory impact home prices and purchasing power. It also outlines reasons to buy now rather than waiting, such as how rising prices and interest rates will increase costs. The document provides tips on factors to research like mortgage rates and closing costs to best prepare for the home buying process.
Annie Williams Real Estate Report - Dec 2015Jon Weaver
- Housing affordability in California is expected to experience long-term issues due to high home prices, not enough homes being built, and rising rents making it difficult for many to save for a down payment.
- In many California markets, including the San Francisco Bay Area and Southern California, the luxury home market remains active with Asian buyers continuing to fuel demand. However, overall home sales are down while prices continue rising.
- A lack of housing inventory is seen as a key factor sustaining high home prices in San Francisco, with the median home price rising 13% year-over-year and staying over $1 million for most of the past two years.
Annie Williams Real Estate Report - May 2020Jon Weaver
Home sales in San Francisco significantly declined in April 2020 compared to the previous year due to the Covid-19 pandemic. Sales of single-family homes dropped 55.3% and condo/townhome sales declined 65%. Meanwhile, average home prices set new records with the median single-family home price up 5.4% and median condo price rising 5.3% from the previous year. Inventory levels also fell substantially. The housing market is expected to continue struggling over the next few months due to economic uncertainties caused by the pandemic.
The document provides an analysis of the real estate market in Princeton and Greater Princeton, NJ from January 2020. It discusses inventory levels, pending sales, absorption rates and other metrics to analyze the current state of the market across different towns. Recent data shows a stabilization of inventory levels after years of steady increases and absorption rates returning to more normal levels of 5-6 months. The local real estate market appears to have hit bottom and modest price increases are expected going forward.
The document provides an analysis of the real estate market in Princeton and Greater Princeton, NJ from January 2020. It discusses inventory levels, pending sales, absorption rates and other metrics in different towns over the past 3-4 years. The markets show signs of stability with absorption rates around 10 months and inventory either steady or declining in most towns. The summary also notes signs of modest price increases in the state.
The document summarizes recent developments in the US housing market. It discusses signs of recovery including lower mortgage rates and inventory. Government programs like the FDIC principal reduction program aim to help troubled homeowners. Jumbo mortgages are becoming more available again after tightening during the financial crisis. The document provides tips for homeowners regarding tax deductions and credits.
Using this slide deck, discover if eXp Realty is the right career change for you? 100% commission opportunity, agent ownership, revenue sharing, cloud technology and resources, exit and retirement strategies, online education and training, real estate support, executive services, staffing and much more.
How to go from $0 to $10million in one year doing Mega Open Houses. This is a tested and proven strategy for those serious about using open houses to build their real estate business.
Breaking Into The Luxury Real Estate MarketBrad Andersohn
Luxury Listing Specialist Michael Lafido shares his best kept secrets and practices for anyone looking to break into the higher end luxury listing market in their local communities.
Visit http://bradandersohn.exprealty.careers - eXp Realty is the first and only Agent Owned Cloud Based brokerage. eXp Realty has literally changed the traditional real estate business model in order to better serve consumers and to contribute equally to agents and brokers success. Do the due diligence and see what makes eXp Realty unique, then join us to experience making a true and significant difference in peoples lives.
Re tech campus nav and collaboration tutorialBrad Andersohn
Take a navigational tour of RETechCampus and learn how to get around the campus and access all the collaboration and networking tools on the platform. A fairly complete guide and recorded video of the first rendition of the brand new campus designed for real estate professionals by experienced and successful real estate professionals.
Google provides a variety of free products, tools and services for your business and personal use. These are the top 50 Google tools for Business. To see all 50+ tools, visit: http://bradsdomain.com/top-50-google-tools-for-business/ - Don't Forget Google Analytics.
How do you balance technology, your business, social media, your personal life and mobile devices, new apps, and shiny new toys? Learn how to "under-cut" the "overwhelm!" Sometimes it can feel like you're trying to drink from a fire hose, or keep up with a Cheetah right? Here's a couple great tips to consider.
This document provides strategies for real estate agents to generate listings, including using social media platforms like Facebook, YouTube, Twitter, Google+, Flickr, LinkedIn, and Pinterest to get leads. It also recommends blogging regularly and using tools on Zillow to target customers and convert online leads. The document lists various training resources available on topics like social media, websites, time management, and tools that can help agents succeed.
These are the Top 100 Coolest Online Tools and Sites I've discovered in 2012. For links and details: http://bradsdomain.com/coolest-websites-and-online-tools/ or for a video with custom created music on Youtube: http://www.youtube.com/watch?v=NJFNOVjJahA
These are just a few of the tools Google provides for FREE that can help you with your real estate business.
There are currently more than 50 different Google sites and tools that we share with readers who are looking to utilize Google and some of their services and tools for business.
This document lists and summarizes over 200 free technology tools, products, and websites for real estate agents. It provides the name and brief description of each tool, which are categorized as top sites, photo editing, presentations, file conversions, document signing, social media, file sharing, newsletters, anti-virus, and backups. Contact information is also provided for an agent who can provide additional free resources, training, and support.
Top mobile real estate tech tools and appsBrad Andersohn
Mobile devices have revolutionized communication and access to information, with 3 mobile devices being sold for every 1 desktop or laptop computer. The mobile phone has evolved tremendously from once being considered the greatest technology to now powering a multi-trillion dollar business. Modern smartphones allow users to perform a wide range of tasks on the go, from making phone calls and sending messages to researching homes, contacting agents, and managing finances and schedules remotely.
Mobile Technology and tools have changed the way we communicate and do business. It is the fastest growing and changing platform in the communication and technology space.
These are just a few of the widgets I have left on some sites after reviewing, installing, and deleting over 1000 or more widgets in the past couple years. Enjoy!
Building Community both online and off is a very important and key component to being successful in any business, especially Real Estate. How do you Build a Community in both the online and off-line worlds? This Interview may help you discover what it will take on your part to be visible, aware, and impact your local real estate markets.
The document provides tips for building an effective real estate blog, including using a clear and simple title, providing value to readers without tricks, making yourself available to answer questions, capturing contact information from visitors, using interactive tools and widgets, focusing on relevant local data like new listings and recently sold homes, allowing visitors to visualize living in a community, and providing financial calculators and loan information. The conclusion emphasizes contacting the agent for a tour of properties within 15 minutes.
The document provides an overview of the benefits of becoming a Premier Agent member on Zillow. It discusses how Zillow generates over 12.4 million monthly visitors and partners with Yahoo! Real Estate. As a Premier Agent, one would get customer-initiated contacts, exposure to Zillow traffic, and appear as the expert on listings. Premier Agents gain a competitive advantage and market share by following up quickly with contacts. The presentation encourages agents to call a number to check zip code availability and page views before deciding which areas to focus on as a Premier Agent.
it describes the bony anatomy including the femoral head , acetabulum, labrum . also discusses the capsule , ligaments . muscle that act on the hip joint and the range of motion are outlined. factors affecting hip joint stability and weight transmission through the joint are summarized.
বাংলাদেশের অর্থনৈতিক সমীক্ষা ২০২৪ [Bangladesh Economic Review 2024 Bangla.pdf] কম্পিউটার , ট্যাব ও স্মার্ট ফোন ভার্সন সহ সম্পূর্ণ বাংলা ই-বুক বা pdf বই " সুচিপত্র ...বুকমার্ক মেনু 🔖 ও হাইপার লিংক মেনু 📝👆 যুক্ত ..
আমাদের সবার জন্য খুব খুব গুরুত্বপূর্ণ একটি বই ..বিসিএস, ব্যাংক, ইউনিভার্সিটি ভর্তি ও যে কোন প্রতিযোগিতা মূলক পরীক্ষার জন্য এর খুব ইম্পরট্যান্ট একটি বিষয় ...তাছাড়া বাংলাদেশের সাম্প্রতিক যে কোন ডাটা বা তথ্য এই বইতে পাবেন ...
তাই একজন নাগরিক হিসাবে এই তথ্য গুলো আপনার জানা প্রয়োজন ...।
বিসিএস ও ব্যাংক এর লিখিত পরীক্ষা ...+এছাড়া মাধ্যমিক ও উচ্চমাধ্যমিকের স্টুডেন্টদের জন্য অনেক কাজে আসবে ...
A review of the growth of the Israel Genealogy Research Association Database Collection for the last 12 months. Our collection is now passed the 3 million mark and still growing. See which archives have contributed the most. See the different types of records we have, and which years have had records added. You can also see what we have for the future.
This document provides an overview of wound healing, its functions, stages, mechanisms, factors affecting it, and complications.
A wound is a break in the integrity of the skin or tissues, which may be associated with disruption of the structure and function.
Healing is the body’s response to injury in an attempt to restore normal structure and functions.
Healing can occur in two ways: Regeneration and Repair
There are 4 phases of wound healing: hemostasis, inflammation, proliferation, and remodeling. This document also describes the mechanism of wound healing. Factors that affect healing include infection, uncontrolled diabetes, poor nutrition, age, anemia, the presence of foreign bodies, etc.
Complications of wound healing like infection, hyperpigmentation of scar, contractures, and keloid formation.
How to Manage Your Lost Opportunities in Odoo 17 CRMCeline George
Odoo 17 CRM allows us to track why we lose sales opportunities with "Lost Reasons." This helps analyze our sales process and identify areas for improvement. Here's how to configure lost reasons in Odoo 17 CRM
This presentation was provided by Steph Pollock of The American Psychological Association’s Journals Program, and Damita Snow, of The American Society of Civil Engineers (ASCE), for the initial session of NISO's 2024 Training Series "DEIA in the Scholarly Landscape." Session One: 'Setting Expectations: a DEIA Primer,' was held June 6, 2024.
Reimagining Your Library Space: How to Increase the Vibes in Your Library No ...Diana Rendina
Librarians are leading the way in creating future-ready citizens – now we need to update our spaces to match. In this session, attendees will get inspiration for transforming their library spaces. You’ll learn how to survey students and patrons, create a focus group, and use design thinking to brainstorm ideas for your space. We’ll discuss budget friendly ways to change your space as well as how to find funding. No matter where you’re at, you’ll find ideas for reimagining your space in this session.
Exploiting Artificial Intelligence for Empowering Researchers and Faculty, In...Dr. Vinod Kumar Kanvaria
Exploiting Artificial Intelligence for Empowering Researchers and Faculty,
International FDP on Fundamentals of Research in Social Sciences
at Integral University, Lucknow, 06.06.2024
By Dr. Vinod Kumar Kanvaria
How to Make a Field Mandatory in Odoo 17Celine George
In Odoo, making a field required can be done through both Python code and XML views. When you set the required attribute to True in Python code, it makes the field required across all views where it's used. Conversely, when you set the required attribute in XML views, it makes the field required only in the context of that particular view.
BÀI TẬP BỔ TRỢ TIẾNG ANH 8 CẢ NĂM - GLOBAL SUCCESS - NĂM HỌC 2023-2024 (CÓ FI...
Real Time Target Marketing
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2. Job Data Highlights The US unemployment rate declined from 8.9 percent in February to 8.8 percent in March. (went back up to 9% in April) 34 states saw a decline in the unemployment rate in this month with New Mexico, Florida, and Nevada seeing the largest fall. The unemployment rate was unchanged in 9 states and DC. In March, North Dakota, Nebraska, and South Dakota had the lowest unemployment rates—all under 5 percent. Rhode Island, Florida, California, and Nevada had the highest rates among the 50 states and DC.
3. More Highlights & Outlook • 38 states had positive job growth in March, and the average job growth in states was 0.1%. • The greatest job growth in March was in Missouri while Maine had the largest job decline. • Moving forward, increasing labor force participation may keep the unemployment rate high even as jobs are being added.
6. Where are we this spring? Existing-home sales increased 3.7% from February to March to a seasonally adjusted annual rate of 5.10 million (April went back to 5.05 millon) About 40% of existing homes bought last month were distressed properties The median sales price for an existing home was $159,600, down 5.9% from the year-ago median price of $169,600 Sales were up 3.9% in the Northeast, 1.0% in the Midwest, 8.2% in the South, and down 0.8% in the West
9. What about the HVCC(Home Valuation Code of Conduct) Establishes standards for solicitation, selection, compensation, conflicts of interest and appraiser independence. It was effective May 1, 2009, for any mortgage that will be sold to Fannie Mae or Freddie Mac; Federal Housing Administration (FHA) and Federal Home Loan Bank (FHLB) mortgages are not covered in the agreement.
12. Stats to remember 48% of sales people never follow up with a prospect 25% of sales people make a second contact and stop 12% of sales people make more than three contacts And yet 26.6% of all inquiries result in a sale This should motivate you 2% of sales are made on the first contact 3% of sales are made on the second contact 5% of sales are made on the third contact 10% of sales are made on the fourth contact 80% of sales are made on the fifth to twelfth contact Why should you be doing everything possible to stay in touch with people right now?
13. Real Estate: It’s time to buy againhttp://finance.fortune.cnn.com/2011/03/28/real-estate-its-time-to-buy-again/