The document provides an update on the California foreclosure market and opportunities in the space. It discusses that while foreclosure activity is declining from its peak, the "foreclosure funnel" continues with hundreds of thousands of homes still underwater, delinquent, or in foreclosure. It also notes headwinds for the housing market in 2011 but that the greatest risk to home prices is tightening lending standards rather than a new wave of foreclosures or short sales. The document outlines opportunities in trustee sales for investors and real estate agents and introduces the ForeclosureRadar service for tracking foreclosures.
Dynami Group is a full-service events company that specializes in planning meetings, incentives, and corporate communications. They offer services such as design and printing of meeting materials, concept and staging of business meetings, video production, live theater, speaker support, theme development, graphic design, entertainment booking, product launches, incentive programs, trade show design, conference logistics, and destination event management. Their goal is to be a single-source provider for all event needs.
1) Braskem completed a global offering that raised over US$420 million, the largest issuance in 2004.
2) The offering's final allocation was 44.1% to US investors, 27.8% to Brazilian investors, 17.7% to European investors, and smaller percentages to other regions.
3) The proceeds were used to repay debt and fund Braskem's expansion in Latin America and Europe.
The document discusses challenges in summarizing long documents, noting it is difficult to extract the most important elements in a concise yet comprehensive manner. It recommends identifying the central topic and main ideas of each section, then synthesizing these into a high-level overview that captures the essential information and flow of concepts without all the detail. The summary should be brief but informative, conveying the key elements and conclusions of the original text at a high level.
Java Web Programming Using Cloud PlatformIMC Institute
The document summarizes a machine learning model for classifying text documents. It describes how the model was trained on a large dataset of documents labeled with their topic or class. The model uses a single-layer neural network architecture and is able to accurately classify new documents into the predefined topics or classes with over 90% accuracy. It provides concise summaries of documents without losing the key essence or information contained within the original text.
Behave yourself! Taming the wild, wild multiple system integration using RSpe...José Bonnet
This document provides an agenda for a presentation on taming multiple system integration using RSpec, Cucumber & Friends. The agenda includes sections on who the presenter is and what they do, what the problem is with multiple system integration, and the proposed solution of using RSpec, Cucumber & Friends. It also includes a section for doubts and conclusions.
Bricks and Mobile - State of Retail MobileRemodista
There are so many exciting changes going on in the retail and mobile commerce space. We will take a look at what’s to come with marketing and loyalty programs meeting mobile payment and virtual wallets, discuss what you can do right now to engage your customer, share methods for building a loyalty program while being compliant, and considering the security issues that will be faced.
To get our focus for the day, Julie will give us a big picture – 30,000 ft view of what is going on with mobile in the retailer’s world. She will share high level trends in mobile usage from a consumer behavior perspective, such as, what they are researching, when mobile usage is highest, the incrementally of mobile to desktop and other exciting mobile trends in retail.
The document discusses a study on the impacts of climate change on agriculture. It finds that rising temperatures and changing precipitation patterns will significantly affect agricultural production for many countries by the middle of the century. Crop yields will likely decline in most tropical and subtropical regions due to heat and water stress on major crops like corn, wheat and rice. Some temperate regions may see increased yields initially, but those gains will also be threatened by heavy rain and drought in certain areas. Overall, global food supply will be jeopardized without major investments in adaptation.
Dramatically increase revenue on verio templateJanine Soika
- Cloud/Hosting computing provides several key motivations for organizations including flexibility, agility, quicker time to value, avoidance of capital expenditures, and cost reduction.
- The top benefits of cloud computing are reducing capital expenses by eliminating hardware/software costs, reducing IT management costs through less maintenance/upgrades, and reducing financial risk through lower upfront costs and faster ROI.
- Transitioning to the cloud allows organizations to rapidly deploy solutions, scale resources as needed, and focus IT resources on strategic initiatives rather than infrastructure management.
Dynami Group is a full-service events company that specializes in planning meetings, incentives, and corporate communications. They offer services such as design and printing of meeting materials, concept and staging of business meetings, video production, live theater, speaker support, theme development, graphic design, entertainment booking, product launches, incentive programs, trade show design, conference logistics, and destination event management. Their goal is to be a single-source provider for all event needs.
1) Braskem completed a global offering that raised over US$420 million, the largest issuance in 2004.
2) The offering's final allocation was 44.1% to US investors, 27.8% to Brazilian investors, 17.7% to European investors, and smaller percentages to other regions.
3) The proceeds were used to repay debt and fund Braskem's expansion in Latin America and Europe.
The document discusses challenges in summarizing long documents, noting it is difficult to extract the most important elements in a concise yet comprehensive manner. It recommends identifying the central topic and main ideas of each section, then synthesizing these into a high-level overview that captures the essential information and flow of concepts without all the detail. The summary should be brief but informative, conveying the key elements and conclusions of the original text at a high level.
Java Web Programming Using Cloud PlatformIMC Institute
The document summarizes a machine learning model for classifying text documents. It describes how the model was trained on a large dataset of documents labeled with their topic or class. The model uses a single-layer neural network architecture and is able to accurately classify new documents into the predefined topics or classes with over 90% accuracy. It provides concise summaries of documents without losing the key essence or information contained within the original text.
Behave yourself! Taming the wild, wild multiple system integration using RSpe...José Bonnet
This document provides an agenda for a presentation on taming multiple system integration using RSpec, Cucumber & Friends. The agenda includes sections on who the presenter is and what they do, what the problem is with multiple system integration, and the proposed solution of using RSpec, Cucumber & Friends. It also includes a section for doubts and conclusions.
Bricks and Mobile - State of Retail MobileRemodista
There are so many exciting changes going on in the retail and mobile commerce space. We will take a look at what’s to come with marketing and loyalty programs meeting mobile payment and virtual wallets, discuss what you can do right now to engage your customer, share methods for building a loyalty program while being compliant, and considering the security issues that will be faced.
To get our focus for the day, Julie will give us a big picture – 30,000 ft view of what is going on with mobile in the retailer’s world. She will share high level trends in mobile usage from a consumer behavior perspective, such as, what they are researching, when mobile usage is highest, the incrementally of mobile to desktop and other exciting mobile trends in retail.
The document discusses a study on the impacts of climate change on agriculture. It finds that rising temperatures and changing precipitation patterns will significantly affect agricultural production for many countries by the middle of the century. Crop yields will likely decline in most tropical and subtropical regions due to heat and water stress on major crops like corn, wheat and rice. Some temperate regions may see increased yields initially, but those gains will also be threatened by heavy rain and drought in certain areas. Overall, global food supply will be jeopardized without major investments in adaptation.
Dramatically increase revenue on verio templateJanine Soika
- Cloud/Hosting computing provides several key motivations for organizations including flexibility, agility, quicker time to value, avoidance of capital expenditures, and cost reduction.
- The top benefits of cloud computing are reducing capital expenses by eliminating hardware/software costs, reducing IT management costs through less maintenance/upgrades, and reducing financial risk through lower upfront costs and faster ROI.
- Transitioning to the cloud allows organizations to rapidly deploy solutions, scale resources as needed, and focus IT resources on strategic initiatives rather than infrastructure management.
The study analyzed the behavior of Indian mobile subscribers towards using digital services and found that while awareness of digital services is high, adoption is limited mainly to chatting and entertainment services. Segmentation based on demographics like age, income levels, and location revealed differences in preferences and willingness to pay for services. The results provide insights into various customer segments for digital service providers in India.
Qualità Percepita: "I giovani e la loro percezione della città: Liceali"- GenovaNicola Camurri
The document discusses a study on the effects of meditation. It found that an 8-week meditation program significantly reduced stress levels in participants based on biological measures. Participants reported feeling less anxious and more relaxed after meditating. The study demonstrates how regular meditation practice can positively impact both perceived stress and biological stress responses.
The EB-85A is a GPS receiver and antenna module designed for integration into navigation devices. It features high sensitivity of -158dBm, excellent startup times and position accuracy, and an update rate of up to 5Hz. The compact module is 30mmx30mmx8.6mm and is well suited for use in devices like personal navigation devices, GPS-enabled PDAs, and other portable devices requiring GPS functionality.
This study tested a remote usability technique blending web analytics with user perception to assess user needs in two areas - content and style. Participants were invited from an online panel to complete tasks based on content in Firefly or Metagy, after which they answered questions about their experience. Results showed task completion rates, time taken, and users' ability to find correct information. Participants were also asked to finish or give up when done, and responders selected finish or gave up when complete. Researchers monitored all page interactions to measure actual experience. The sample provided a robust test of this remote usability method for evaluating user needs.
1. The document announces a meeting to discuss a project. It provides details such as the date, time, location, and agenda items.
2. The agenda includes items such as a project summary, goals and objectives, action plans, responsibilities, timeline and budget.
3. Stakeholders will discuss and provide feedback on these items to guide implementation of the project.
1. The document discusses policies and procedures for a training course. It outlines 12 steps that include registration, pre-training evaluation, daily schedules, post-training evaluation and certification.
2. Trainees will be evaluated on 8 criteria such as knowledge, skills and satisfaction. They must score at least 50% on evaluations to pass the course.
3. Upon completion, trainees will receive a certificate valid for 1 year and be eligible for additional advanced training opportunities.
مذكرات حرب اكتوبر الفريق سعد الدين الشاذليshawkatelbialy
The document summarizes key events in the development of self-driving car technology from 2007 to 2018. It notes that Google began developing self-driving car prototypes in 2007 and launched its self-driving car project in 2009. By 2018, many major automakers and technology companies were working on autonomous vehicle technology with the goal of having fully self-driving vehicles available within a few years. However, technological and regulatory challenges remained that could impact when self-driving cars will be ready for widespread use.
This document discusses biofuel use for transport in Sweden. It shows that in 2010, gasoline and diesel accounted for most transport fuel use, while ethanol, biogas, and biodiesel accounted for smaller shares. The Swedish Bioenergy Association aims to increase the use of bioenergy in a cost-effective and environmentally friendly manner. It encourages creating demand for biofuels, setting high targets, and industry collaboration to advance the use of biofuels for transport in Sweden.
1. The document discusses the results of a study on the effects of meditation on the brain.
2. The study found that experienced meditators had increased thickness in parts of the brain associated with attention, interoceptive awareness, and sensory processing.
3. Regions involved in introspection, empathy, and compassion also showed increased thickness and density for experienced meditators compared to non-meditators.
♦ The document outlines the ownership structure of various electricity generation and distribution companies in Brazil, including the percentage ownership of different entities.
♦ It also provides information on the size and characteristics of the electricity market in Brazil, the United States, and Europe, including details on demand, supply, and the retail market.
♦ Performance of the company's stock price over time is shown, with the stock increasing in value since 2005.
- The document discusses the importance of concise and clear legal writing. Legal writers should strive to communicate complex ideas in a straightforward manner using plain language.
- It provides tips for legal writers, such as using active voice and short sentences, avoiding unnecessary legal jargon, and focusing on the reader's understanding rather than showing off complex knowledge.
- The overall message is that legal documents should be written as clearly and simply as possible while still accurately conveying legal concepts and arguments. Complex ideas can be broken down and explained in a way that non-experts can understand.
The document discusses the challenges facing a small town's economy. In 3 sentences: The town has seen many businesses close recently, leaving the main street nearly empty. Local leaders are concerned about how to attract new companies and create jobs. Ideas include promoting the town's low costs and friendly community to try to boost economic activity.
The document discusses workplace harassment and how to prevent it. It states that all employees should feel safe and respected at work. Employers should establish clear policies against harassment and train staff on issues like bias and appropriate conduct. Creating open lines of communication and taking complaints seriously can help address problems early on.
1. An article discusses the impacts of climate change on agriculture and food security. Rising temperatures, changing rainfall patterns, and more extreme weather events are expected to negatively affect crop yields.
2. Adaptation efforts will be needed to help agricultural systems adapt to the new climate conditions. Investments in climate-smart agriculture, more resilient varieties of crops, and infrastructure are recommended to help buffer against climate change impacts.
3. Failure to take action to reduce greenhouse gas emissions and help agricultural systems adapt could lead to widespread food insecurity and instability around the world in coming decades. International cooperation will be essential to addressing the threats from climate change.
This document discusses population trends in a certain region from 2000 to 2020. It notes that the population grew slowly from 2000 to 2010 but then increased more rapidly from 2010 to 2020. The population is also aging overall, with the proportion of residents over 65 growing and families with young children declining slightly. The final paragraph predicts that this pattern of growth and aging will likely continue over the next decade.
1. Alternate reality games (ARGs) are interesting because they create large temporary online communities focused on collaborative tasks, demonstrating the power of self-organization and open technology.
2. However, ARGs are just a small example of the depth and power of the new participatory, social, user-generated web ("Web 2.0") and its uneasy relationship with traditional business models.
3. The document discusses the rise of the new social web and collective intelligence, as well as different reactions businesses have taken or could take to the new web, including ignoring it, advertising to it, reacting to it, participating in it, or competing with it.
The Enrichment Triad Model provides a framework for differentiation through three types of activities: Type I general exploratory experiences, Type II group training activities focused on developing thinking skills, and Type III individual and small group investigations of real problems. This allows students to learn in ways that match their interests and abilities through choice and a variety of challenging enrichment opportunities. The model emphasizes adapting instruction to individual learner differences to promote engagement, competence, and autonomy for success.
Sport and cultures in dialogue. sport citizens forum bled nov11lindsay72
This document discusses the financing of sports in a particular country or region. It notes that 49.7% of financing comes from households through direct spending, while 24.3% comes from local authorities and 22% comes from the state. It also breaks down the areas that financing is allocated to, with 44% going to local authority infrastructure creation and competitive amateur sports receiving high levels of funding. The goals of entities in the sports sector are outlined as integrating actions, promoting social and economic benefits, and pursuing sustainability.
Darren Morgan Racing linked the
obvious synergies with highly technical and focused power tool
products and Top Fuel Drag Racing.
To understand patrons of key national motorsport events
and their consumption, behaviour and attitudes.
Dramatically increase revenue on verio templateJanine Soika
- Cloud/Hosting computing provides several key motivations for organizations including flexibility, agility, quicker time to value, avoidance of capital expenditures, and cost reduction.
- The top benefits of cloud computing are reducing capital expenses by eliminating hardware/software costs, reducing IT management costs through less maintenance/upgrades, and reducing financial risk through lower upfront costs and faster ROI.
- Transitioning to the cloud allows organizations to rapidly deploy solutions, scale resources as needed, and focus IT resources on strategic initiatives rather than infrastructure management.
The study analyzed the behavior of Indian mobile subscribers towards using digital services and found that while awareness of digital services is high, adoption is limited mainly to chatting and entertainment services. Segmentation based on demographics like age, income levels, and location revealed differences in preferences and willingness to pay for services. The results provide insights into various customer segments for digital service providers in India.
Qualità Percepita: "I giovani e la loro percezione della città: Liceali"- GenovaNicola Camurri
The document discusses a study on the effects of meditation. It found that an 8-week meditation program significantly reduced stress levels in participants based on biological measures. Participants reported feeling less anxious and more relaxed after meditating. The study demonstrates how regular meditation practice can positively impact both perceived stress and biological stress responses.
The EB-85A is a GPS receiver and antenna module designed for integration into navigation devices. It features high sensitivity of -158dBm, excellent startup times and position accuracy, and an update rate of up to 5Hz. The compact module is 30mmx30mmx8.6mm and is well suited for use in devices like personal navigation devices, GPS-enabled PDAs, and other portable devices requiring GPS functionality.
This study tested a remote usability technique blending web analytics with user perception to assess user needs in two areas - content and style. Participants were invited from an online panel to complete tasks based on content in Firefly or Metagy, after which they answered questions about their experience. Results showed task completion rates, time taken, and users' ability to find correct information. Participants were also asked to finish or give up when done, and responders selected finish or gave up when complete. Researchers monitored all page interactions to measure actual experience. The sample provided a robust test of this remote usability method for evaluating user needs.
1. The document announces a meeting to discuss a project. It provides details such as the date, time, location, and agenda items.
2. The agenda includes items such as a project summary, goals and objectives, action plans, responsibilities, timeline and budget.
3. Stakeholders will discuss and provide feedback on these items to guide implementation of the project.
1. The document discusses policies and procedures for a training course. It outlines 12 steps that include registration, pre-training evaluation, daily schedules, post-training evaluation and certification.
2. Trainees will be evaluated on 8 criteria such as knowledge, skills and satisfaction. They must score at least 50% on evaluations to pass the course.
3. Upon completion, trainees will receive a certificate valid for 1 year and be eligible for additional advanced training opportunities.
مذكرات حرب اكتوبر الفريق سعد الدين الشاذليshawkatelbialy
The document summarizes key events in the development of self-driving car technology from 2007 to 2018. It notes that Google began developing self-driving car prototypes in 2007 and launched its self-driving car project in 2009. By 2018, many major automakers and technology companies were working on autonomous vehicle technology with the goal of having fully self-driving vehicles available within a few years. However, technological and regulatory challenges remained that could impact when self-driving cars will be ready for widespread use.
This document discusses biofuel use for transport in Sweden. It shows that in 2010, gasoline and diesel accounted for most transport fuel use, while ethanol, biogas, and biodiesel accounted for smaller shares. The Swedish Bioenergy Association aims to increase the use of bioenergy in a cost-effective and environmentally friendly manner. It encourages creating demand for biofuels, setting high targets, and industry collaboration to advance the use of biofuels for transport in Sweden.
1. The document discusses the results of a study on the effects of meditation on the brain.
2. The study found that experienced meditators had increased thickness in parts of the brain associated with attention, interoceptive awareness, and sensory processing.
3. Regions involved in introspection, empathy, and compassion also showed increased thickness and density for experienced meditators compared to non-meditators.
♦ The document outlines the ownership structure of various electricity generation and distribution companies in Brazil, including the percentage ownership of different entities.
♦ It also provides information on the size and characteristics of the electricity market in Brazil, the United States, and Europe, including details on demand, supply, and the retail market.
♦ Performance of the company's stock price over time is shown, with the stock increasing in value since 2005.
- The document discusses the importance of concise and clear legal writing. Legal writers should strive to communicate complex ideas in a straightforward manner using plain language.
- It provides tips for legal writers, such as using active voice and short sentences, avoiding unnecessary legal jargon, and focusing on the reader's understanding rather than showing off complex knowledge.
- The overall message is that legal documents should be written as clearly and simply as possible while still accurately conveying legal concepts and arguments. Complex ideas can be broken down and explained in a way that non-experts can understand.
The document discusses the challenges facing a small town's economy. In 3 sentences: The town has seen many businesses close recently, leaving the main street nearly empty. Local leaders are concerned about how to attract new companies and create jobs. Ideas include promoting the town's low costs and friendly community to try to boost economic activity.
The document discusses workplace harassment and how to prevent it. It states that all employees should feel safe and respected at work. Employers should establish clear policies against harassment and train staff on issues like bias and appropriate conduct. Creating open lines of communication and taking complaints seriously can help address problems early on.
1. An article discusses the impacts of climate change on agriculture and food security. Rising temperatures, changing rainfall patterns, and more extreme weather events are expected to negatively affect crop yields.
2. Adaptation efforts will be needed to help agricultural systems adapt to the new climate conditions. Investments in climate-smart agriculture, more resilient varieties of crops, and infrastructure are recommended to help buffer against climate change impacts.
3. Failure to take action to reduce greenhouse gas emissions and help agricultural systems adapt could lead to widespread food insecurity and instability around the world in coming decades. International cooperation will be essential to addressing the threats from climate change.
This document discusses population trends in a certain region from 2000 to 2020. It notes that the population grew slowly from 2000 to 2010 but then increased more rapidly from 2010 to 2020. The population is also aging overall, with the proportion of residents over 65 growing and families with young children declining slightly. The final paragraph predicts that this pattern of growth and aging will likely continue over the next decade.
1. Alternate reality games (ARGs) are interesting because they create large temporary online communities focused on collaborative tasks, demonstrating the power of self-organization and open technology.
2. However, ARGs are just a small example of the depth and power of the new participatory, social, user-generated web ("Web 2.0") and its uneasy relationship with traditional business models.
3. The document discusses the rise of the new social web and collective intelligence, as well as different reactions businesses have taken or could take to the new web, including ignoring it, advertising to it, reacting to it, participating in it, or competing with it.
The Enrichment Triad Model provides a framework for differentiation through three types of activities: Type I general exploratory experiences, Type II group training activities focused on developing thinking skills, and Type III individual and small group investigations of real problems. This allows students to learn in ways that match their interests and abilities through choice and a variety of challenging enrichment opportunities. The model emphasizes adapting instruction to individual learner differences to promote engagement, competence, and autonomy for success.
Sport and cultures in dialogue. sport citizens forum bled nov11lindsay72
This document discusses the financing of sports in a particular country or region. It notes that 49.7% of financing comes from households through direct spending, while 24.3% comes from local authorities and 22% comes from the state. It also breaks down the areas that financing is allocated to, with 44% going to local authority infrastructure creation and competitive amateur sports receiving high levels of funding. The goals of entities in the sports sector are outlined as integrating actions, promoting social and economic benefits, and pursuing sustainability.
Darren Morgan Racing linked the
obvious synergies with highly technical and focused power tool
products and Top Fuel Drag Racing.
To understand patrons of key national motorsport events
and their consumption, behaviour and attitudes.
Dramatically increase revenue on verio templateJanine Soika
- Cloud/Hosting computing provides several key motivations for organizations including flexibility, agility, quicker time to value, avoidance of capital expenditures, and cost reduction.
- The top benefits of cloud computing are reducing capital expenses by eliminating hardware/software costs, reducing IT management costs through less maintenance/upgrades, and reducing financial risk through lower upfront costs and faster ROI.
- Transitioning to the cloud allows organizations to rapidly deploy solutions, scale resources as needed, and focus IT resources on strategic initiatives rather than infrastructure management.
The document summarizes the key points of a legal case involving a plaintiff who was injured in a car accident. In 3 sentences:
The plaintiff sued the defendant for negligence following a car accident in which the plaintiff suffered injuries. The court found the defendant liable and awarded damages to the plaintiff for medical costs and lost wages. However, the court reduced the damages award, finding that the plaintiff failed to mitigate losses by not returning to work as soon as they were reasonably able.
This document contains four sections that each describe a different stage of some process. Section 1 introduces stage 1 and lists some details. Section 2 then describes stage 2, also providing some specifics. Section 3 covers stage 3 similarly. Finally, section 4 concludes by recapping the stages and process.
1) The report provides a performance review of a model mining portfolio for September 2010. It discusses two investments that underperformed expectations.
2) The portfolio experienced mixed results, with gains in some areas but losses in others, including two investments that were "faux pas".
3) The report analyzes specific investments that drove performance and provides an outlook looking forward.
The document summarizes the key points made in a presentation on supply chain management. It notes that supply chains involve complex networks of organizations, transportation, and storage. It also states that effective supply chain management relies on coordination and information sharing between all entities involved. Monitoring supply and demand data can help managers address issues and disruptions to keep products moving efficiently.
This document provides a summary of a research article in 3 sentences:
The article analyzes data from a study on the relationship between personality traits and career choices in medical students. It finds that students who choose family medicine display higher levels of agreeableness compared to those who choose other specialties. The study concludes that personality plays a role in the specialty students decide to pursue after medical school.
This document summarizes the key points of a speech given by the Prime Minister to parliament. In 3 sentences:
The Prime Minister acknowledged the current economic challenges facing the country. They outlined several new policies and initiatives to boost job creation and economic growth. The Prime Minister called on all members of parliament to work together to implement these proposed changes and improve the lives of citizens.
MeasureWorks - TSOC - Creating business opportunities with mobile customer ex...MeasureWorks
TSOC is a society with more than 600 members active in telecom, media and ICT. TSOC facilitates business contacts and knowledge about developments in the market.
MeasureWorks was invited to speak about the challenges that a mobile strategy brings for companies. Not only for engaging with their customers, but also to create a sustainable business model. Themes are customer experience, mobile challenges and business requirements.
This document summarizes the key points of a meeting between multiple parties. The 3 main topics discussed were:
1) Upcoming projects and initiatives, including new training programs.
2) Financial reports and budgets and ensuring resources are available for planned work.
3) Personnel changes and hiring needs to support ongoing and expanding operations.
The discussion focused on progress updates, funding requirements, and staffing requirements across different areas to meet organizational goals.
This document summarizes the key points of a meeting between multiple parties. The 3 main topics discussed were:
1) Upcoming projects and initiatives, including new training programs.
2) Financial reports and budgets and ensuring resources are available for planned work.
3) Personnel changes and hiring needs to support ongoing and expanding operations.
The discussion focused on progress updates, funding requirements, and staffing requirements across different areas to meet organizational goals.
The document introduces some basic concepts of programming in C language including:
1) Defining variables and assigning values. Variable types like int and data types are discussed.
2) Using input and output streams like cin and cout to take user input and display output.
3) Examples of simple C programs are provided to demonstrate variable declaration, input/output functions, and return statements.
1) The document discusses algorithms and their analysis including calculating time and space complexity. It provides examples of different algorithm types like sorting, searching and their best, average, and worst case time complexities.
2) Asymptotic analysis notations like Big O, Omega, and Theta are introduced to analyze the long-term growth rates of algorithms. Common complexity classes like constant, logarithmic, linear, quadratic, and exponential are covered.
3) Various sorting algorithms like bubble sort, insertion sort, and merge sort are analyzed and their time complexities calculated and compared in different cases.
The document summarizes the key outcomes and lessons learned from national dialogues on integrated water resources management held in Central and Eastern European countries between 2002 and 2004. The dialogues were organized by the United Nations Economic Commission for Europe to promote cooperation and joint management of water resources. They highlighted the need for stronger inter-sectoral coordination and river basin management approaches. Stakeholder participation from government agencies, civil society and the private sector was also emphasized.
- The document discusses transferring $$$$ between accounts and ensuring all transactions are accounted for.
- Controls are in place to reconcile balances and ensure funds are allocated correctly with detailed records of all movements.
- Multiple checks and verification processes aim to prevent errors or unauthorized access to funds.
A Eficiencia Da Hidroterapia Em Paciente Portador De Artrogripose Multipla Co...Acquanews
The document summarizes the key points of a study on the impacts of climate change on agriculture in Africa. It notes that rising temperatures and shifting rainfall patterns are expected to negatively affect agricultural production across much of Africa. Specific impacts mentioned include yield reductions for major crops like maize, sorghum, millet and groundnuts. The document concludes that these effects of climate change could undermine food security across the continent unless steps are taken to help African farmers adapt.
Similar to Sean O Toole Forclosure Radar 5 12 11 (20)
11. Foreclosure Intervention
Time to Foreclose Still Rising!
Over 2500
Countrywide
loans with NOD
from 2008 going
to auction now
Average Days Delinquent 398
Average Days to Foreclose 312
----------------------------------------------
Total -- Nearly 2 years!!!! 710
and still rising
11
12. Where are we headed?
• While increases are possible we won’t see “wave” of
REO’s or short sales - though we certainly should
• Foreclosure & shadow inventory “problem” will
continue for years... we’ll muddle through as banks
trickle inventory out
• Greatest weakness likely in higher priced homes and
areas
• Primary risk to home values in CA is further tightening
of lending standards NOT foreclosures
12
13. Where are we headed?
e
om
Inc
Lending is the
!"+&&%&&&!! !"$&%&&&!!
d Credit
!"**&%&&&!!
State
primary driver
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Crisis !".%&&&!!
ly
of home prices
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On
st tion
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te D rops Traditional !"*%&&&!!
!"$*&%&&&!!
Ra Lending
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!"$&&%&&&!!
!"*&%&&&!! !"(%&&&!!
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!"$%&&&!!
Payments Flat
!"/$*&%&&&0!
!"/'&&%&&&0! !"#!!!!
'&&&! '&&$! '&&'! '&&(! '&&)! '&&*! '&&+! '&&,! '&&-!
123456! 78936! 7:;562<! =62<!
13
14. Where are we headed?
• The borrower’s income, employment and
credit determine risk of default
• But area incomes, economic outlook and
direction of lending standards determine
risk of loss
14
15. Where are we headed?
• Leaders will have to choose:
–Maintain Home Values
–Let Markets Correct & Take Losses
15
16. Opportunities - Trustee Sale Buyers
Investors Spending ~$900M / month
Average Hold Time 156 Days
Roughly $4.1 Billion Invested Now
$$$
16
19. Opportunities - Trustee Sale Buyers
• Majority of auction investors flip
• Margins are getting thin for investors
–Idea: Help real estate brokers buy listings
• Lobby to improve trustee sale process &
increase opportunity
–Idea: Require early opening bids
–Idea: Require smaller upfront payment
Arizona requires opening bids to be posted 1 day prior to
auction, and buying only requires $10k deposit
Result: More investor purchases!
19
20. Introduction to ForeclosureRadar®
• MLS like system for Foreclosures
• Tracks every Foreclosure in California
–Public Record Notices
• Notice of Default and Notice of Trustee Sale
–Daily Auction Results
• Current status on each foreclosure
• Includes new REO’s weeks before other services
• Deep search capabilities
• Tracking and analysis built-in
• Lead generation & Marketing for Realtors
21. How to Get Started
FREE 3 Day Trial
$49.95/Mo.
Visit: www.ForeclosureRadar.com
or email: support@foreclosureradar.com
21