- Overall delinquency on CRE mortgages continued declining for the 8th consecutive period but remains elevated, driven by the retail and lodging sectors. Delinquency is expected to remain high in 2021 but improve as vaccination efforts continue.
- Hotel and retail sectors have the highest delinquency rates across the top 50 US metro areas, while industrial, multifamily, and self-storage have the lowest. Specific delinquency rates are provided for property types in several metro areas.
- The document provides current loan amounts, amounts delinquent or in default, and overall delinquency percentages by property type for various major US metro areas.
- Whole Foods Market provided unaudited five-year historical data from fiscal years 2003 to 2009 on key metrics like sales, store count, gross margins, and store contribution.
- Overall, the company experienced consistent annual sales growth and new store openings each year. However, sales growth slowed in fiscal 2008 and 2009 compared to previous years.
- Store counts increased each year as well, growing from 145 stores at the end of fiscal 2003 to 279 stores by the end of the first quarter of fiscal 2009 through both new store openings and acquisitions.
This document contains the solutions to four questions regarding bond valuation and analysis for a financial modeling course. It includes the valuations of four bonds using various inputs like maturity, coupon rate, yield to maturity, etc. It also includes the calculations of convexity for each of the four bonds.
10 Ways to Use Life Insurance in Philanthropic Planningtbonhag
The document discusses several ways that life insurance policies can be used to make philanthropic gifts to non-profit organizations, including gifting a paid-up policy, transferring a premium-paying policy where the non-profit pays ongoing premiums, naming the non-profit as an irrevocable beneficiary, and gifting a convertible term policy that the non-profit can choose to convert to permanent coverage. These gift strategies provide benefits to both the donor through tax deductions and to the non-profit by ultimately receiving a death benefit that is often significantly higher than the total premiums paid over the life of the policy.
office space toronto, toronto office space, office search toronto, office space in toronto, office rentals toronto, commercial office space, commercial real estate toronto, office rent toronto, toronto offices for lease
The document provides a summary of office market statistics for the third quarter of 2011 across various regions in the GTA (Greater Toronto Area). Some key highlights:
- Total office inventory was 118.4 million sqft, with a vacancy rate of 4.7% and availability rate of 8.0%
- Downtown had the largest office inventory at 70.4 million sqft and a vacancy rate of 4.5%
- The suburbs had the highest overall vacancy rate of 7.1% across 68.4 million sqft of office space
- Average asking rental rates ranged from $16.93/sqft in the Central region to $11.83/sqft in suburban C-class buildings.
Fixed life insurance can be used for philanthropic planning in several ways. Donors can gift a paid-up life insurance policy they no longer need to provide a non-profit organization a future death benefit greater than the premiums paid. Donors with policies requiring ongoing premiums can transfer ownership, allowing the non-profit to receive higher returns than the premium costs. Donors can also gift annual premium payments for tax deductions while keeping coverage. Some policies offer charitable riders naming a non-profit as a 1% beneficiary at no additional cost.
The document contains loan information for 9 customers of First National Bank. It provides details on the selling price, loan term, interest rate, down payment amount, amount to be financed, and monthly payment for each customer. It also specifies the interest rates and required down payment percentages for different loan terms of 15, 20, and 30 years.
The document provides financial and operational data for four companies - Andrews, Baldwin, Chester, and Digby. It includes key metrics like return on sales, assets, and equity as well as leverage, sales, profits, stock prices, and bond yields. It also provides production details for 16 products across three market segments (Traditional, Low End, High End). The top performing products in each segment are identified based on market share, sales, and customer survey results.
- Whole Foods Market provided unaudited five-year historical data from fiscal years 2003 to 2009 on key metrics like sales, store count, gross margins, and store contribution.
- Overall, the company experienced consistent annual sales growth and new store openings each year. However, sales growth slowed in fiscal 2008 and 2009 compared to previous years.
- Store counts increased each year as well, growing from 145 stores at the end of fiscal 2003 to 279 stores by the end of the first quarter of fiscal 2009 through both new store openings and acquisitions.
This document contains the solutions to four questions regarding bond valuation and analysis for a financial modeling course. It includes the valuations of four bonds using various inputs like maturity, coupon rate, yield to maturity, etc. It also includes the calculations of convexity for each of the four bonds.
10 Ways to Use Life Insurance in Philanthropic Planningtbonhag
The document discusses several ways that life insurance policies can be used to make philanthropic gifts to non-profit organizations, including gifting a paid-up policy, transferring a premium-paying policy where the non-profit pays ongoing premiums, naming the non-profit as an irrevocable beneficiary, and gifting a convertible term policy that the non-profit can choose to convert to permanent coverage. These gift strategies provide benefits to both the donor through tax deductions and to the non-profit by ultimately receiving a death benefit that is often significantly higher than the total premiums paid over the life of the policy.
office space toronto, toronto office space, office search toronto, office space in toronto, office rentals toronto, commercial office space, commercial real estate toronto, office rent toronto, toronto offices for lease
The document provides a summary of office market statistics for the third quarter of 2011 across various regions in the GTA (Greater Toronto Area). Some key highlights:
- Total office inventory was 118.4 million sqft, with a vacancy rate of 4.7% and availability rate of 8.0%
- Downtown had the largest office inventory at 70.4 million sqft and a vacancy rate of 4.5%
- The suburbs had the highest overall vacancy rate of 7.1% across 68.4 million sqft of office space
- Average asking rental rates ranged from $16.93/sqft in the Central region to $11.83/sqft in suburban C-class buildings.
Fixed life insurance can be used for philanthropic planning in several ways. Donors can gift a paid-up life insurance policy they no longer need to provide a non-profit organization a future death benefit greater than the premiums paid. Donors with policies requiring ongoing premiums can transfer ownership, allowing the non-profit to receive higher returns than the premium costs. Donors can also gift annual premium payments for tax deductions while keeping coverage. Some policies offer charitable riders naming a non-profit as a 1% beneficiary at no additional cost.
The document contains loan information for 9 customers of First National Bank. It provides details on the selling price, loan term, interest rate, down payment amount, amount to be financed, and monthly payment for each customer. It also specifies the interest rates and required down payment percentages for different loan terms of 15, 20, and 30 years.
The document provides financial and operational data for four companies - Andrews, Baldwin, Chester, and Digby. It includes key metrics like return on sales, assets, and equity as well as leverage, sales, profits, stock prices, and bond yields. It also provides production details for 16 products across three market segments (Traditional, Low End, High End). The top performing products in each segment are identified based on market share, sales, and customer survey results.
This document provides financial projections for a two-year period for a venue called 2Live Venue. It includes projections for net sales, expenses, profits, and cash flow on a quarterly basis. Key figures include projected net income of $277,745 in Year 1 and $569,930 in Year 2, with a two-year total net profit of $847,675. Capital expenses of $353,484 are required pre-launch, with total capital raised of $626,645 including $200,000 from an outside investor for 15% equity in the business.
This document provides a mortgage calculator that allows a user to input a purchase price, down payment, and loan adjustments to calculate the mortgage amount, interest rate over a set number of years, principal and interest payment, and amortization schedule showing the breakdown of principal and interest over the life of the loan. An example is provided showing the calculations for a $500,000 purchase price with a $20,000 down payment and $3,000 loan adjustments resulting in a $483,000 mortgage amount at 5% interest over 20 years.
The document presents a 5-year income statement for a company. It shows projections for sales, costs, expenses and profits. In year 1, the company is projected to have $255 million in sales and $204 million in pre-tax profits. Sales and profits are projected to steadily increase each year, with year 5 sales projected at $1.04 billion and pre-tax profits at $847 million. Expenses are projected to remain around 1.8% of sales each year.
The document provides details on a homeowner's current mortgage situation and projected financial information over the next 30 years. It then shows a proposed modified mortgage situation that would lower the homeowner's monthly payments and debt-to-income ratio to a more affordable level of 25%. Key details include:
- The homeowner is currently facing annual deficits of over $15,000 that will grow each year due to expenses increasing 2% annually while income remains steady.
- The original 30-year, 8% mortgage of $169,000 will remain unpaid after 30 years under the current terms.
- The proposed modification would reduce the principal to $135,200 at a 5.125% interest rate, lowering the monthly payment
J.S. Die & Mold - Operations Review 2006-12-21Bob Sloma
The document summarizes financial performance for the month and year-to-date compared to budget and the prior year. Revenues were significantly below budget and prior year levels due to lower new tooling sales. Cost of sales were also below budget but higher than the prior year as a percentage of sales, leading to operating losses for the month and year-to-date. A waterfall chart shows profit was impacted most significantly by lower than expected sales volumes. A balanced scorecard shows declining backlog and revenue growth missing targets.
Swifton CFOs LLC - Boston BizSpark presentation - Financial Projections for I...David Fogel
AB C Company saw rapid revenue growth from 2010 to 2013 as installation revenue increased substantially each year, but the company consistently lost money over this period due to high operating expenses that grew faster than revenue. While gross margins improved as revenue increased, operating expenses as a percentage of revenue were high across sales, marketing, research and development, and general and administration. As a result, the company reported increasing net losses each year from 2010 to 2013.
Rick Brokaw has over 30 years of experience in the security alarm industry, starting as an install helper at Austronic Security and eventually becoming general manager. He later held regional operations manager roles at several large security companies before founding Vintage Security in 2001. As of 2012, Vintage Security has 15,000 customers, 80 employees across 2 offices, and generates $5 million in annual revenue, with a focus on the homebuilding and home technology markets in the Washington D.C. area.
This document contains monthly data on the value of production generated by construction companies in Baja California, Mexico from 2006 to 2012:
- The data is reported in thousands of Mexican pesos and was collected through Mexico's national survey of construction companies.
- A linear regression model and exponential regression model were applied to the data, with the exponential model showing a better fit with an R2 of 0.9845.
- The data and regression models are presented in both tabular and graphical formats, with commentary on the regression results and residual analysis.
Bank of America Card Services is the leading credit card issuer in the US, with $146.8 billion in US credit card loans as of 3Q06. It has grown managed credit card loans by 31% from 2004 to 2006 through market-leading products, affinity marketing partnerships with over 5,000 organizations, and an expanding customer base across multiple distribution channels. While managed credit card losses rose in 3Q06, they remained lower than the prior year through continued improvements in asset quality. Going forward, Bank of America Card Services aims to leverage its scale and integrated banking platform to drive further profitable growth across key markets, products, and customer segments.
GTA REALTORS® Release November Stats TORONTO, ONTARIO, December 5, 2018 – Toronto Real Estate Board President Garry Bhaura announced the continuation of moderate price growth in November 2018 compared to November 2017. The MLS® Home Price Index (HPI) Composite Benchmark was up by 2.7 per cent year-over-year. The average selling price was up by 3.5 per cent year-over-year to $788,345.
Market Report for August 2017 - Residential ResaleMichelle Makos
Home sales in the Greater Toronto Area were down 34.8% in August 2017 compared to the previous year. The average home price increased 3% to $732,292, driven by price increases in townhouses, semi-detached homes, and condominium apartments. While sales were down, new listings also declined, leaving the supply-demand balance relatively stable compared to the previous year.
The document shows historical data on US federal tax receipts, spending, deficits, and debt from 1992-2019, projecting increases over time. It predicts that based on annual increases in government outlays, the US will see a 57% rise in federal income taxes and a 167% increase in accumulated federal debt by 2020. The data illustrates growing deficits and debt as a percentage of GDP if spending increases 4% annually while tax revenues only grow 5%.
This document contains financial data for several technology sectors including communication equipment, electronic equipment, internet and direct marketing, internet software and services, IT services, semiconductors equipment, and software. For each sector and time period, metrics such as revenue, earnings per share, return on equity, price-to-book and price-to-earnings ratios, debt levels, dividend yields, earnings growth rates, returns, and betas are provided. Line graphs also show price trends for each sector over time.
Our company aims to help ordinary people achieve significant savings and financial freedom through a proven system that operates with leading banks and lenders. The system called Total Repay can help pay off mortgages faster, save on interest costs, and enable people to become debt free years earlier than traditional methods. Following the Total Repay system, people can redirect payments that would normally go towards interest on loans and credit cards into principal payments, paying off debt quicker while keeping more of their income.
This document provides a summary of checks that were ran from June 1, 2010 through July 1, 2010. It includes details for each check such as the account and routing numbers, check number, amount, applicable fees, and deposit date. There are a total of 62 checks listed during this time period, with amounts ranging from $10 to over $3,000 and applicable fees between $0.25 and $59.12.
1) Over $299 billion in commercial mortgages are estimated to mature in 2011 and need to be refinanced or sold based on CoreLogic data.
2) For March 2011, over $3.5 billion in commercial mortgages covering 5,495 properties are projected to mature.
3) The majority of March maturities are in the Southern region, accounting for 57% of the national total at over $2 billion. The Midwest and Western regions also have significant maturity activity.
We released this 3 weeks ago and February's Report will be available soon. This delinquency report is segmented by market and property type. Page 2 contains a 6-month delinquency trend graph for each market.
December's delinquency report. CRED iQ is a commercial real estate data analytics and valuation platform designed to help industry professionals unlock investment opportunities and evaluate portfolio risks. Driven by a combined 30+ years of experience, CRED iQ provides actionable intelligence for $765 billion of commercial mortgage data.
This document provides financial projections for a two-year period for a venue called 2Live Venue. It includes projections for net sales, expenses, profits, and cash flow on a quarterly basis. Key figures include projected net income of $277,745 in Year 1 and $569,930 in Year 2, with a two-year total net profit of $847,675. Capital expenses of $353,484 are required pre-launch, with total capital raised of $626,645 including $200,000 from an outside investor for 15% equity in the business.
This document provides a mortgage calculator that allows a user to input a purchase price, down payment, and loan adjustments to calculate the mortgage amount, interest rate over a set number of years, principal and interest payment, and amortization schedule showing the breakdown of principal and interest over the life of the loan. An example is provided showing the calculations for a $500,000 purchase price with a $20,000 down payment and $3,000 loan adjustments resulting in a $483,000 mortgage amount at 5% interest over 20 years.
The document presents a 5-year income statement for a company. It shows projections for sales, costs, expenses and profits. In year 1, the company is projected to have $255 million in sales and $204 million in pre-tax profits. Sales and profits are projected to steadily increase each year, with year 5 sales projected at $1.04 billion and pre-tax profits at $847 million. Expenses are projected to remain around 1.8% of sales each year.
The document provides details on a homeowner's current mortgage situation and projected financial information over the next 30 years. It then shows a proposed modified mortgage situation that would lower the homeowner's monthly payments and debt-to-income ratio to a more affordable level of 25%. Key details include:
- The homeowner is currently facing annual deficits of over $15,000 that will grow each year due to expenses increasing 2% annually while income remains steady.
- The original 30-year, 8% mortgage of $169,000 will remain unpaid after 30 years under the current terms.
- The proposed modification would reduce the principal to $135,200 at a 5.125% interest rate, lowering the monthly payment
J.S. Die & Mold - Operations Review 2006-12-21Bob Sloma
The document summarizes financial performance for the month and year-to-date compared to budget and the prior year. Revenues were significantly below budget and prior year levels due to lower new tooling sales. Cost of sales were also below budget but higher than the prior year as a percentage of sales, leading to operating losses for the month and year-to-date. A waterfall chart shows profit was impacted most significantly by lower than expected sales volumes. A balanced scorecard shows declining backlog and revenue growth missing targets.
Swifton CFOs LLC - Boston BizSpark presentation - Financial Projections for I...David Fogel
AB C Company saw rapid revenue growth from 2010 to 2013 as installation revenue increased substantially each year, but the company consistently lost money over this period due to high operating expenses that grew faster than revenue. While gross margins improved as revenue increased, operating expenses as a percentage of revenue were high across sales, marketing, research and development, and general and administration. As a result, the company reported increasing net losses each year from 2010 to 2013.
Rick Brokaw has over 30 years of experience in the security alarm industry, starting as an install helper at Austronic Security and eventually becoming general manager. He later held regional operations manager roles at several large security companies before founding Vintage Security in 2001. As of 2012, Vintage Security has 15,000 customers, 80 employees across 2 offices, and generates $5 million in annual revenue, with a focus on the homebuilding and home technology markets in the Washington D.C. area.
This document contains monthly data on the value of production generated by construction companies in Baja California, Mexico from 2006 to 2012:
- The data is reported in thousands of Mexican pesos and was collected through Mexico's national survey of construction companies.
- A linear regression model and exponential regression model were applied to the data, with the exponential model showing a better fit with an R2 of 0.9845.
- The data and regression models are presented in both tabular and graphical formats, with commentary on the regression results and residual analysis.
Bank of America Card Services is the leading credit card issuer in the US, with $146.8 billion in US credit card loans as of 3Q06. It has grown managed credit card loans by 31% from 2004 to 2006 through market-leading products, affinity marketing partnerships with over 5,000 organizations, and an expanding customer base across multiple distribution channels. While managed credit card losses rose in 3Q06, they remained lower than the prior year through continued improvements in asset quality. Going forward, Bank of America Card Services aims to leverage its scale and integrated banking platform to drive further profitable growth across key markets, products, and customer segments.
GTA REALTORS® Release November Stats TORONTO, ONTARIO, December 5, 2018 – Toronto Real Estate Board President Garry Bhaura announced the continuation of moderate price growth in November 2018 compared to November 2017. The MLS® Home Price Index (HPI) Composite Benchmark was up by 2.7 per cent year-over-year. The average selling price was up by 3.5 per cent year-over-year to $788,345.
Market Report for August 2017 - Residential ResaleMichelle Makos
Home sales in the Greater Toronto Area were down 34.8% in August 2017 compared to the previous year. The average home price increased 3% to $732,292, driven by price increases in townhouses, semi-detached homes, and condominium apartments. While sales were down, new listings also declined, leaving the supply-demand balance relatively stable compared to the previous year.
The document shows historical data on US federal tax receipts, spending, deficits, and debt from 1992-2019, projecting increases over time. It predicts that based on annual increases in government outlays, the US will see a 57% rise in federal income taxes and a 167% increase in accumulated federal debt by 2020. The data illustrates growing deficits and debt as a percentage of GDP if spending increases 4% annually while tax revenues only grow 5%.
This document contains financial data for several technology sectors including communication equipment, electronic equipment, internet and direct marketing, internet software and services, IT services, semiconductors equipment, and software. For each sector and time period, metrics such as revenue, earnings per share, return on equity, price-to-book and price-to-earnings ratios, debt levels, dividend yields, earnings growth rates, returns, and betas are provided. Line graphs also show price trends for each sector over time.
Our company aims to help ordinary people achieve significant savings and financial freedom through a proven system that operates with leading banks and lenders. The system called Total Repay can help pay off mortgages faster, save on interest costs, and enable people to become debt free years earlier than traditional methods. Following the Total Repay system, people can redirect payments that would normally go towards interest on loans and credit cards into principal payments, paying off debt quicker while keeping more of their income.
This document provides a summary of checks that were ran from June 1, 2010 through July 1, 2010. It includes details for each check such as the account and routing numbers, check number, amount, applicable fees, and deposit date. There are a total of 62 checks listed during this time period, with amounts ranging from $10 to over $3,000 and applicable fees between $0.25 and $59.12.
1) Over $299 billion in commercial mortgages are estimated to mature in 2011 and need to be refinanced or sold based on CoreLogic data.
2) For March 2011, over $3.5 billion in commercial mortgages covering 5,495 properties are projected to mature.
3) The majority of March maturities are in the Southern region, accounting for 57% of the national total at over $2 billion. The Midwest and Western regions also have significant maturity activity.
We released this 3 weeks ago and February's Report will be available soon. This delinquency report is segmented by market and property type. Page 2 contains a 6-month delinquency trend graph for each market.
December's delinquency report. CRED iQ is a commercial real estate data analytics and valuation platform designed to help industry professionals unlock investment opportunities and evaluate portfolio risks. Driven by a combined 30+ years of experience, CRED iQ provides actionable intelligence for $765 billion of commercial mortgage data.
- The document presents a discounted cash flow valuation for International Flavors & Fragrances, Inc. under an "Upside" operating scenario from 2013-2021.
- Key projections include total revenue growing at a 3.2% CAGR from 2016-2021, EBITDA margins of 25.5%, and unlevered free cash flow growing at a 3.6% CAGR over the projection period.
- The valuation results in an implied enterprise value of $10.4 billion and implied equity value of $9.3 billion, representing an upside case from the base scenario.
This document summarizes real estate statistics for the Greater Toronto Area (GTA) in September 2019. It reports that home sales were up 22% year-over-year with 7,825 total sales. However, new listings declined by 1.9% compared to the previous year, contributing to tight market conditions. The average home price rose 5.8% year-over-year to $843,115, with the MLS Home Price Index up 5.2%. Housing supply remained constrained as active listings declined 14.1% from the previous year.
This document outlines the projected budget for a restaurant over 10 years. It includes projections for sales, cost of goods sold, labor costs, expenses, and opening costs. Total sales are projected to increase by 5% each year. Food and alcohol sales are projected at 93% and 7% of total sales respectively. Cost of goods sold for food is 30% and alcohol is 25% of their respective sales. Labor costs include salaries at 10% of sales, hourly wages at 17%, benefits at 2%, and payroll taxes at 3%. Expenses such as rent, utilities and supplies are also accounted for.
September 2020 - Market Report - Toronto & GTA Housing SalesMichelle Makos
- Sales reported through TRREB's MLS system in September 2020 set a new record for the month at 11,083, up 42.3% from September 2019. The average selling price was $960,772, up 14% year-over-year.
- Year-to-date sales in 2020 were up approximately 1% compared to the same period in 2019, following a record third quarter. However, further economic improvements will be important to support ongoing strong home sales.
- Market conditions tightened in September compared to the previous year, with faster sales growth relative to new listings and double-digit price increases common across the GTA region, resulting in a new record for the overall average selling price.
The GTA housing market saw a decline in sales in April 2022 compared to the previous year and month. Sales were down 41.2% year-over-year and 27% month-over-month. Despite slower sales, average home prices remained higher than in April 2021, up 15% to $1,254,436, though down slightly from March 2022. With higher interest rates, some buyers have delayed purchases as affordability has decreased. Moving forward, price growth is expected to moderate from the double-digit gains seen in 2021 as buyer competition cools with more choice in the market.
This document summarizes the balance sheet figures for an organization from 2007 to 2011. It shows assets, liabilities, and equity categories with amounts for each year. The main assets included cash, investments, property and equipment. Liabilities included short and long-term debt. Equity included capital stock, retained earnings, and non-controlling interests. Over the period, total assets increased 24.47% to $126.6 million in 2009 while total equity and liabilities increased 16.24% to $122.9 million in 2008.
- Sales of homes in the Greater Toronto Area increased 24.3% in July 2019 compared to July 2018, with a total of 8,595 homes sold. The average selling price increased 3.2% year-over-year to $806,755.
- New listings increased at a slower annual rate of 3.7% compared to sales, tightening market conditions. Active listings were down 9.1% year-over-year.
- Detached home prices remained lower than last year's levels in some parts of the GTA, while condos, townhouses and semis saw stronger price growth due to high buyer demand.
- Sales of homes in the Greater Toronto Area increased 24.3% in July 2019 compared to July 2018, with a total of 8,595 homes sold. The average selling price increased 3.2% year-over-year to $806,755.
- New listings increased at a slower annual rate of 3.7% compared to sales, tightening market conditions. Active listings were down 9.1% year-over-year.
- Detached home prices remained lower than last year's levels in some parts of the GTA, while condos, townhouses and semis saw stronger price growth due to high buyer demand.
TORONTO REAL ESTATE BOARD'S -- MARKET WATCH - JULY 2019Shawn Venasse
Toronto Real Estate Board President Michael Collins announced that Greater Toronto Area REALTORS® reported 8,595 sales through TREB's MLS® System in July 2019. This result was up by 24.3 per cent compared to July 2018. On a month-over-month basis, sales were up by 5.1 per cent, after preliminary seasonal adjustment.
New listings entered into TREB's MLS® System in July 2019 were up compared to July 2018, but by a much lesser annual rate than sales, at 3.7 per cent. With annual growth in sales far outstripping annual growth in new listings, market conditions clearly tightened compared to last year. Active listings at the end of July were down by 9.1 per cent year-over-year, further reflecting tightening market conditions.
As market conditions continued to tighten in July, the average selling price increased by 3.2 per cent on a year-over-year basis to $806,755. The MLS® Home Price Index Composite benchmark was up by 4.4 per cent. Higher density home types continued to drive price growth, whereas detached home prices remained down in many communities throughout the GTA.
Broadly speaking, increased competition between buyers for available properties has resulted in relatively strong price growth above the rate of inflation for semi-detached houses, townhouses and condominium apartments. However, the single-detached market segment, which has arguably been impacted most by the OSFI stress test, has experienced a slower pace of price growth, with average detached prices remaining lower than last year's levels in some parts of the GTA.
This document provides financial information for Williams-Sonoma Inc. including income statements, balance sheets, and statements of cash flows for fiscal years 2011-2021. Key figures include total revenues of $5.2 billion in 2016, net income of $310 million in 2016, total current assets of $1.9 billion in 2017, total current liabilities of $1.2 billion in 2017, and property and equipment, net of $885 million in 2016. The company had $367 million in cash and cash equivalents as of the 2016 balance sheet date.
Market Report for October 2017 - Residential ResaleMichelle Makos
- Housing sales in the Greater Toronto Area (GTA) increased 11.7% month-over-month in October 2017 compared to September 2017. However, sales were still down 26.7% compared to October 2016.
- The average home price in the GTA rose 2.3% year-over-year to $780,104 in October 2017. Price growth has been strongest for townhouses and condominium apartments.
- Housing market activity in the GTA has been impacted by provincial and federal policy changes like the Fair Housing Plan and foreign buyer tax, but signs indicate the psychological impact of these policies is starting to diminish.
The document provides a 12-year budget for a project from 2012 to 2022 that includes costs for raw materials, salaries, utilities, depreciation, and more. It also includes 3-year profit and loss projections and an initial balance sheet. The budget accounts for an annual inflation rate of 12% and 8% salary increases. The projections estimate steady profit growth over the 12 years due to increasing sales revenue and controlled expenses.
The document summarizes the projected costs and expenses for a project from 2012 to 2022. It includes direct costs like materials, salaries, and indirect costs like utilities, depreciation, and maintenance. It also provides budgets for administrative expenses, sales expenses, and financial statements showing projected profits and cash flows over the 10-year period. The balance sheet at the end estimates starting assets of $284,011 consisting mainly of cash and fixed assets, with $150,000 in bank loans and $98,011 in owner's equity.
The document describes a profit blueprint system that helps businesses improve their net profit performance over time. It does this by taking a similar approach to how sports teams study game film and analyze their own and opponents' performances to identify areas for improvement. The system provides financial analysis reports with key metrics and targets to help businesses see if their strategies are working and make better decisions. It also offers phone coaching to provide proven ideas and best practices from top-performing companies.
Analysis insight about a Flyball dog competition team's performanceroli9797
Insight of my analysis about a Flyball dog competition team's last year performance. Find more: https://github.com/rolandnagy-ds/flyball_race_analysis/tree/main
The Building Blocks of QuestDB, a Time Series Databasejavier ramirez
Talk Delivered at Valencia Codes Meetup 2024-06.
Traditionally, databases have treated timestamps just as another data type. However, when performing real-time analytics, timestamps should be first class citizens and we need rich time semantics to get the most out of our data. We also need to deal with ever growing datasets while keeping performant, which is as fun as it sounds.
It is no wonder time-series databases are now more popular than ever before. Join me in this session to learn about the internal architecture and building blocks of QuestDB, an open source time-series database designed for speed. We will also review a history of some of the changes we have gone over the past two years to deal with late and unordered data, non-blocking writes, read-replicas, or faster batch ingestion.
4th Modern Marketing Reckoner by MMA Global India & Group M: 60+ experts on W...Social Samosa
The Modern Marketing Reckoner (MMR) is a comprehensive resource packed with POVs from 60+ industry leaders on how AI is transforming the 4 key pillars of marketing – product, place, price and promotions.
Codeless Generative AI Pipelines
(GenAI with Milvus)
https://ml.dssconf.pl/user.html#!/lecture/DSSML24-041a/rate
Discover the potential of real-time streaming in the context of GenAI as we delve into the intricacies of Apache NiFi and its capabilities. Learn how this tool can significantly simplify the data engineering workflow for GenAI applications, allowing you to focus on the creative aspects rather than the technical complexities. I will guide you through practical examples and use cases, showing the impact of automation on prompt building. From data ingestion to transformation and delivery, witness how Apache NiFi streamlines the entire pipeline, ensuring a smooth and hassle-free experience.
Timothy Spann
https://www.youtube.com/@FLaNK-Stack
https://medium.com/@tspann
https://www.datainmotion.dev/
milvus, unstructured data, vector database, zilliz, cloud, vectors, python, deep learning, generative ai, genai, nifi, kafka, flink, streaming, iot, edge
STATATHON: Unleashing the Power of Statistics in a 48-Hour Knowledge Extravag...sameer shah
"Join us for STATATHON, a dynamic 2-day event dedicated to exploring statistical knowledge and its real-world applications. From theory to practice, participants engage in intensive learning sessions, workshops, and challenges, fostering a deeper understanding of statistical methodologies and their significance in various fields."
State of Artificial intelligence Report 2023kuntobimo2016
Artificial intelligence (AI) is a multidisciplinary field of science and engineering whose goal is to create intelligent machines.
We believe that AI will be a force multiplier on technological progress in our increasingly digital, data-driven world. This is because everything around us today, ranging from culture to consumer products, is a product of intelligence.
The State of AI Report is now in its sixth year. Consider this report as a compilation of the most interesting things we’ve seen with a goal of triggering an informed conversation about the state of AI and its implication for the future.
We consider the following key dimensions in our report:
Research: Technology breakthroughs and their capabilities.
Industry: Areas of commercial application for AI and its business impact.
Politics: Regulation of AI, its economic implications and the evolving geopolitics of AI.
Safety: Identifying and mitigating catastrophic risks that highly-capable future AI systems could pose to us.
Predictions: What we believe will happen in the next 12 months and a 2022 performance review to keep us honest.
ViewShift: Hassle-free Dynamic Policy Enforcement for Every Data LakeWalaa Eldin Moustafa
Dynamic policy enforcement is becoming an increasingly important topic in today’s world where data privacy and compliance is a top priority for companies, individuals, and regulators alike. In these slides, we discuss how LinkedIn implements a powerful dynamic policy enforcement engine, called ViewShift, and integrates it within its data lake. We show the query engine architecture and how catalog implementations can automatically route table resolutions to compliance-enforcing SQL views. Such views have a set of very interesting properties: (1) They are auto-generated from declarative data annotations. (2) They respect user-level consent and preferences (3) They are context-aware, encoding a different set of transformations for different use cases (4) They are portable; while the SQL logic is only implemented in one SQL dialect, it is accessible in all engines.
#SQL #Views #Privacy #Compliance #DataLake
Learn SQL from basic queries to Advance queriesmanishkhaire30
Dive into the world of data analysis with our comprehensive guide on mastering SQL! This presentation offers a practical approach to learning SQL, focusing on real-world applications and hands-on practice. Whether you're a beginner or looking to sharpen your skills, this guide provides the tools you need to extract, analyze, and interpret data effectively.
Key Highlights:
Foundations of SQL: Understand the basics of SQL, including data retrieval, filtering, and aggregation.
Advanced Queries: Learn to craft complex queries to uncover deep insights from your data.
Data Trends and Patterns: Discover how to identify and interpret trends and patterns in your datasets.
Practical Examples: Follow step-by-step examples to apply SQL techniques in real-world scenarios.
Actionable Insights: Gain the skills to derive actionable insights that drive informed decision-making.
Join us on this journey to enhance your data analysis capabilities and unlock the full potential of SQL. Perfect for data enthusiasts, analysts, and anyone eager to harness the power of data!
#DataAnalysis #SQL #LearningSQL #DataInsights #DataScience #Analytics
06-04-2024 - NYC Tech Week - Discussion on Vector Databases, Unstructured Data and AI
Discussion on Vector Databases, Unstructured Data and AI
https://www.meetup.com/unstructured-data-meetup-new-york/
This meetup is for people working in unstructured data. Speakers will come present about related topics such as vector databases, LLMs, and managing data at scale. The intended audience of this group includes roles like machine learning engineers, data scientists, data engineers, software engineers, and PMs.This meetup was formerly Milvus Meetup, and is sponsored by Zilliz maintainers of Milvus.
End-to-end pipeline agility - Berlin Buzzwords 2024Lars Albertsson
We describe how we achieve high change agility in data engineering by eliminating the fear of breaking downstream data pipelines through end-to-end pipeline testing, and by using schema metaprogramming to safely eliminate boilerplate involved in changes that affect whole pipelines.
A quick poll on agility in changing pipelines from end to end indicated a huge span in capabilities. For the question "How long time does it take for all downstream pipelines to be adapted to an upstream change," the median response was 6 months, but some respondents could do it in less than a day. When quantitative data engineering differences between the best and worst are measured, the span is often 100x-1000x, sometimes even more.
A long time ago, we suffered at Spotify from fear of changing pipelines due to not knowing what the impact might be downstream. We made plans for a technical solution to test pipelines end-to-end to mitigate that fear, but the effort failed for cultural reasons. We eventually solved this challenge, but in a different context. In this presentation we will describe how we test full pipelines effectively by manipulating workflow orchestration, which enables us to make changes in pipelines without fear of breaking downstream.
Making schema changes that affect many jobs also involves a lot of toil and boilerplate. Using schema-on-read mitigates some of it, but has drawbacks since it makes it more difficult to detect errors early. We will describe how we have rejected this tradeoff by applying schema metaprogramming, eliminating boilerplate but keeping the protection of static typing, thereby further improving agility to quickly modify data pipelines without fear.
The CRED DQ Report - Market Delinquency by Property Type
1. Overall delinquency continued its decline for the eighth
consecutive reporting period following its rapid ascent from April
to June 2020. Although there has been a favorable trend, defaults
on CRE mortgages remain at an elevated level across the United
States, driven primarily by the retail and lodging sectors. We
expect delinquency to remain elevated for 2021, however as
COVID 19 vaccination efforts continue to ramp up, we anticipate
more immediate and significant improvements to the hotel
default rate throughout the year.
CRED iQ monitors market performance for nearly 400
MSAs across the United States. Below is a summary of the default
rates for the 50 largest metros segmented by property type.
Consistent with the months following the start of the pandemic,
the hotel and retail sectors remain the largest contributors to the
delinquency percentages for the majority of these statistical areas.
Loans backed by self-storage, multifamily, and industrial facilities
posted the lowest delinquency rates for most of these markets.
15. Contacts
Shane Beeson, Director of Sales
shane@cred-iq.com
Sarah Eckersley, Business Development
sarah@cred-iq.com
Michael Haas, Co-Founder, Managing Partner
mike@cred-iq.com
Bill Petersen, Co-Founder, Managing Partner
bill@cred-iq.com
CRED iQ Headquarters
290 King of Prussia Road
Radnor, PA 19087
team@cred-iq.com
(215) 220-6776
About CRED iQ
CRED iQ is a commercial real estate data, analytics, and valuation
platform designed to help industry professionals unlock investment
opportunities and evaluate portfolio risks. Driven by a combined 30+
years of experience, CRED iQ provides actionable intelligence for
$800 billion of commercial mortgage data. The user-friendly
interface effectively identifies near- and long-term credit risks
through interactive proprietary valuation and monitoring systems.
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