Step by-step guide to buying your first homeSUSAN HARVEY
The document provides information to help a first-time homebuyer understand what they need to know before applying for a mortgage loan, including estimating how much home they can afford based on their income and debt levels, determining potential down payment options and amounts, and becoming prequalified to understand their loan options. It covers important topics like monthly housing costs, down payments, mortgage types, and the prequalification process to help buyers be prepared when applying for a home loan.
The document summarizes the main SQL commands divided into 4 groups:
1. DDL (Data Definition Language) commands like CREATE, ALTER, and DROP are used to define and modify database schema.
2. DML (Data Manipulation Language) commands like INSERT, UPDATE, DELETE, and SELECT are used to manage data.
3. DCL (Data Control Language) commands like GRANT and REVOKE control access privileges.
4. DTL (Data Transaction Language) commands like BEGIN WORK, COMMIT, and ROLLBACK manage transactions.
It then provides more details on the syntax of key commands like CREATE, SELECT, INSERT, UPDATE, DELETE etc.
This document summarizes key concepts relating to intercultural teaching and communication. It discusses how culture influences learning styles, expectations of roles, approaches to assessment and feedback, and communication norms. Culture is presented as a "lens" that filters information and guides interactions. Effective intercultural teaching requires awareness of one's own cultural assumptions as well as flexibility in adapting to different communication styles and perspectives among students from diverse cultures. Managing rapport and balancing transactional and relational goals is important for intercultural communication.
Attack Toolkit Webinar on Tobacco Industry MarketingAlex T.
This interactive webinar was designed for tobacco control advocates and enthusiasts working with youth and young adults. Slideshow represents the content covered in the webinar. Meghan Bridgid Moran, PhD, presented research on the Tobacco Industry marketing strategies.
This document outlines key challenges organizations face when adapting agile methodologies and provides recommendations. It discusses challenges such as lack of planning, unrealistic expectations of training, need for committed agile coaches, resistance to change, threats to open culture, lack of teamwork, and communication gaps. Recommendations include taking a phased approach, hiring experienced coaches, focusing on business needs before methodology, and emphasizing culture change and stakeholder involvement. Success requires organizational and team commitment to addressing challenges as they arise.
The document discusses how product recommendations can increase success in online sales by improving conversion rates, with personalization strategies shown to boost revenues by 5-30% when applied properly. It analyzes where recommendations are most effective, such as on the homepage and landing pages, and explains how personalization works through classifying users and providing generic, context-oriented, or personalized recommendations based on their profile and browsing context.
This Haiku Deck presentation showcases 6 stock photos from various photographers including landscapes, portraits, and architecture shots. It encourages the viewer to be inspired by the images and create their own Haiku Deck presentation on SlideShare to share with others.
Step by-step guide to buying your first homeSUSAN HARVEY
The document provides information to help a first-time homebuyer understand what they need to know before applying for a mortgage loan, including estimating how much home they can afford based on their income and debt levels, determining potential down payment options and amounts, and becoming prequalified to understand their loan options. It covers important topics like monthly housing costs, down payments, mortgage types, and the prequalification process to help buyers be prepared when applying for a home loan.
The document summarizes the main SQL commands divided into 4 groups:
1. DDL (Data Definition Language) commands like CREATE, ALTER, and DROP are used to define and modify database schema.
2. DML (Data Manipulation Language) commands like INSERT, UPDATE, DELETE, and SELECT are used to manage data.
3. DCL (Data Control Language) commands like GRANT and REVOKE control access privileges.
4. DTL (Data Transaction Language) commands like BEGIN WORK, COMMIT, and ROLLBACK manage transactions.
It then provides more details on the syntax of key commands like CREATE, SELECT, INSERT, UPDATE, DELETE etc.
This document summarizes key concepts relating to intercultural teaching and communication. It discusses how culture influences learning styles, expectations of roles, approaches to assessment and feedback, and communication norms. Culture is presented as a "lens" that filters information and guides interactions. Effective intercultural teaching requires awareness of one's own cultural assumptions as well as flexibility in adapting to different communication styles and perspectives among students from diverse cultures. Managing rapport and balancing transactional and relational goals is important for intercultural communication.
Attack Toolkit Webinar on Tobacco Industry MarketingAlex T.
This interactive webinar was designed for tobacco control advocates and enthusiasts working with youth and young adults. Slideshow represents the content covered in the webinar. Meghan Bridgid Moran, PhD, presented research on the Tobacco Industry marketing strategies.
This document outlines key challenges organizations face when adapting agile methodologies and provides recommendations. It discusses challenges such as lack of planning, unrealistic expectations of training, need for committed agile coaches, resistance to change, threats to open culture, lack of teamwork, and communication gaps. Recommendations include taking a phased approach, hiring experienced coaches, focusing on business needs before methodology, and emphasizing culture change and stakeholder involvement. Success requires organizational and team commitment to addressing challenges as they arise.
The document discusses how product recommendations can increase success in online sales by improving conversion rates, with personalization strategies shown to boost revenues by 5-30% when applied properly. It analyzes where recommendations are most effective, such as on the homepage and landing pages, and explains how personalization works through classifying users and providing generic, context-oriented, or personalized recommendations based on their profile and browsing context.
This Haiku Deck presentation showcases 6 stock photos from various photographers including landscapes, portraits, and architecture shots. It encourages the viewer to be inspired by the images and create their own Haiku Deck presentation on SlideShare to share with others.
This Haiku Deck presentation encourages the viewer to be inspired by nature photography from various photographers and create their own Haiku Deck presentation on SlideShare. It features 4 nature photos from different photographers with captions of their names to give credit and promote being inspired to make your own presentation.
Este documento presenta información sobre inventario, clientes por país y ventas por vendedor. En cuanto al inventario, se muestra que hay más unidades de bebidas (559) y pescado/marisco (701) que de otras categorías. En clientes por país, los Estados Unidos y Alemania tienen el mayor número (13 y 11 respectivamente). Finalmente, las ventas de Steven Buchanan aumentaron de Mayo a Junio, siendo de $4,937.57 y $6,418.85 en esos meses.
Доклад Александра Верхозина на конференции "Региональный интернет-маркетинг" в апреле 2015 года.
Рассказываем о том, какие метрики обязан смотреть руководитель!
Recent developments on the Web are marked by the growing support for the Linked Data initiative, which encourages government and public organisations, as well as private institutions, to expose their data on the Web. This results in a plentitude of multi-lingual document collections where the original resources are published in the language, in which they are available. The challenges of multilingualism present on the Semantic Web are also reflected in the context of services on the Web, characterised by the rapid increase in popularity and use of Web APIs, as indicated by the growing number of available APIs and the applications built on top of them. Web APIs are commonly described in plain-text as part of Web pages, following no particular guidelines and conforming to no standards, despite some initial approaches in the area. Therefore, API providers publish descriptions in any language they see fit, making the service discovery and the subsequent processing of the documentation challenging tasks. We present a cross-lingual approach that calculates semantic similarity of text to help classify and annotateWeb APIs, based on their textual descriptions. Furthermore, we show how our solution can be implemented as part of SWEET, which is a tool that enables the semi-automated creation of semantic Web API descriptions. In addition, we demonstrate how the cross-lingual approach can be adopted to support the language-independent discovery of Web APIs.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
- Buying a telescope without proper preparation can lead to disappointment. It's best to start with unaided eye observation to learn the night sky, then use binoculars before investing in a telescope.
- Most first time buyers expect more from their first telescope than what can realistically be achieved, like detailed photos of galaxies. Initial telescopes are best for viewing the moon, planets and bright objects.
- It's recommended to join an astronomy club and gain experience observing through different telescopes before determining one's needs and purchasing a first telescope. Rushing into a purchase can result in the telescope being unused.
This document discusses interface management between companies in the EU and former Soviet regions. It notes that European management may not be effective in former Soviet regions due to cultural and structural differences stemming from 70 years of communism. Successful interface management requires precision in tasks and language, clarity in goals and responsibilities, and the right balance of formality and informality. It also requires understanding of cultural differences, such as between short-term thinking and investment orientation.
MAFCON has over 10 years of experience providing reliable market data for sectors across the Eurasian Customs Union region. They employ a network of local staff across many cities to conduct store checks, interview producers, and qualify collected data. MAFCON ensures high quality data by having a representative work closely with clients to define needs, select appropriate sources, and refine findings with in-depth interviews. The head of MAFCON's Market Data team, Maryana Oliynyk, has an economics background and leads research projects for clients across various industries.
This document provides an overview of business conditions in Ukraine and whether Ukraine is on the road towards joining the EU. It discusses several key topics:
- The main actors involved in Ukraine's path towards the EU, including the US, EU/NATO, Russia, and Ukraine.
- Challenges Ukraine faces in reorienting its trade towards the West, replacing Russia as its main trade partner, and reforms needed regarding energy and other sectors.
- Opportunities for Ukraine in strengthening trade with the EU through implementing agreements like the DCFTA, but challenges in carrying out necessary reforms.
- Key sectors seen as opportunities for Ukraine to develop trade with countries like Denmark, specifically in energy efficiency,
MAFCON is an international consultancy company that has been operating in the CIS region since the mid-1980s. They help companies with relocation and project implementation in the region through providing end-to-end services like start-ups, facilities management, equipment financing, and obtaining approvals. MAFCON has handled over 100 outsourcing and offshoring projects across industries in Central and Eastern Europe. The document also provides contact information for MAFCON and describes Belarus as an attractive market for business due to its central location in Europe and proximity to Russia and Eastern Europe.
This Haiku Deck presentation encourages the viewer to be inspired by nature photography from various photographers and create their own Haiku Deck presentation on SlideShare. It features 4 nature photos from different photographers with captions of their names to give credit and promote being inspired to make your own presentation.
Este documento presenta información sobre inventario, clientes por país y ventas por vendedor. En cuanto al inventario, se muestra que hay más unidades de bebidas (559) y pescado/marisco (701) que de otras categorías. En clientes por país, los Estados Unidos y Alemania tienen el mayor número (13 y 11 respectivamente). Finalmente, las ventas de Steven Buchanan aumentaron de Mayo a Junio, siendo de $4,937.57 y $6,418.85 en esos meses.
Доклад Александра Верхозина на конференции "Региональный интернет-маркетинг" в апреле 2015 года.
Рассказываем о том, какие метрики обязан смотреть руководитель!
Recent developments on the Web are marked by the growing support for the Linked Data initiative, which encourages government and public organisations, as well as private institutions, to expose their data on the Web. This results in a plentitude of multi-lingual document collections where the original resources are published in the language, in which they are available. The challenges of multilingualism present on the Semantic Web are also reflected in the context of services on the Web, characterised by the rapid increase in popularity and use of Web APIs, as indicated by the growing number of available APIs and the applications built on top of them. Web APIs are commonly described in plain-text as part of Web pages, following no particular guidelines and conforming to no standards, despite some initial approaches in the area. Therefore, API providers publish descriptions in any language they see fit, making the service discovery and the subsequent processing of the documentation challenging tasks. We present a cross-lingual approach that calculates semantic similarity of text to help classify and annotateWeb APIs, based on their textual descriptions. Furthermore, we show how our solution can be implemented as part of SWEET, which is a tool that enables the semi-automated creation of semantic Web API descriptions. In addition, we demonstrate how the cross-lingual approach can be adopted to support the language-independent discovery of Web APIs.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
- Buying a telescope without proper preparation can lead to disappointment. It's best to start with unaided eye observation to learn the night sky, then use binoculars before investing in a telescope.
- Most first time buyers expect more from their first telescope than what can realistically be achieved, like detailed photos of galaxies. Initial telescopes are best for viewing the moon, planets and bright objects.
- It's recommended to join an astronomy club and gain experience observing through different telescopes before determining one's needs and purchasing a first telescope. Rushing into a purchase can result in the telescope being unused.
This document discusses interface management between companies in the EU and former Soviet regions. It notes that European management may not be effective in former Soviet regions due to cultural and structural differences stemming from 70 years of communism. Successful interface management requires precision in tasks and language, clarity in goals and responsibilities, and the right balance of formality and informality. It also requires understanding of cultural differences, such as between short-term thinking and investment orientation.
MAFCON has over 10 years of experience providing reliable market data for sectors across the Eurasian Customs Union region. They employ a network of local staff across many cities to conduct store checks, interview producers, and qualify collected data. MAFCON ensures high quality data by having a representative work closely with clients to define needs, select appropriate sources, and refine findings with in-depth interviews. The head of MAFCON's Market Data team, Maryana Oliynyk, has an economics background and leads research projects for clients across various industries.
This document provides an overview of business conditions in Ukraine and whether Ukraine is on the road towards joining the EU. It discusses several key topics:
- The main actors involved in Ukraine's path towards the EU, including the US, EU/NATO, Russia, and Ukraine.
- Challenges Ukraine faces in reorienting its trade towards the West, replacing Russia as its main trade partner, and reforms needed regarding energy and other sectors.
- Opportunities for Ukraine in strengthening trade with the EU through implementing agreements like the DCFTA, but challenges in carrying out necessary reforms.
- Key sectors seen as opportunities for Ukraine to develop trade with countries like Denmark, specifically in energy efficiency,
MAFCON is an international consultancy company that has been operating in the CIS region since the mid-1980s. They help companies with relocation and project implementation in the region through providing end-to-end services like start-ups, facilities management, equipment financing, and obtaining approvals. MAFCON has handled over 100 outsourcing and offshoring projects across industries in Central and Eastern Europe. The document also provides contact information for MAFCON and describes Belarus as an attractive market for business due to its central location in Europe and proximity to Russia and Eastern Europe.
Investment and Establishment in BelarusMorten Munk
This document discusses investment opportunities in Belarus and provides tips for establishing businesses there. It notes that Belarus presents a lower-risk option than Russia or Ukraine, with a stable market economy and predictable rules. It highlights sectors like agriculture, food processing, and energy as promising areas for growth. The presenter's company, MAFCON, has successfully established over 100 projects across the former Soviet states. The document stresses the importance of thorough research and understanding local norms to navigate the administrative processes and ensure long-term success when investing in Belarus and the broader CIS region.
Launching a business in Belarus is relatively easy, taking only five days which is about a third of the average time in Eastern Europe and Central Asia. The World Bank ranks Belarus as the 9th easiest place to start a small or medium-sized business due to the short launch time and lack of minimum capital requirements. The rankings evaluate how simple it is for entrepreneurs to start and operate businesses across 185 global economies.
MAFCON is a European business developer that helps production and exporting companies establish operations in Eastern Europe. It has offices in Denmark and Ukraine. MAFCON recognizes the unique challenges and opportunities of doing business in emerging markets like the former Soviet Union. Specifically, these markets have "institutional voids" in government and market structures that impact business conditions. MAFCON offers advisory services to help clients overcome these issues and improve their financial performance in the region by leveraging its 20+ years of experience and expertise in these markets.
1. Ukraine – på vej mod Vesten?
Ukraine – en status vedr DC FTA!
Danske fokusområder i Ukraine
Marts 2016
2. Ukraine - Business unplugged!
De tre sektorer, der skaber værdi!
• Energi – fordi det er nødvendigt!
• Landbruget – fordi det er muligt!
• Viden/IT – fordi den er tilgængelig!
Marts 2016
3. Ukraine - Business unplugged!
Det er her, danske virksomheder skal
på banen.
Energieffektivitet- drevet af de enkelte
virksomheder og husholdninger.
Reformer er en klar forudsætning.
Marts 2016
4. Ukraine - Business unplugged!
Det er her, danske virksomheder skal
på banen.
Landbrug og fødevarer
Fikse supply chain’en
Retail som driver
Udvikling af prof. leverandører
Nødvendige reformer: Jordejerstrukturen ændres
Marts 2016
5. Ukraine - Business unplugged!
Det er her, danske virksomheder skal
på banen.
Viden/IT
Reformattering af supply chain’en.
Inklusion af kærnekompetencer.
Produkter frem for timer.
Reformkrav: Forenkling af forretningsbetingelserne
Marts 2016
6. Ukraine - Business unplugged!
Og så vil Ukraines unikke kombination af
kompetencer til lavpris og placeret lige på
EU’s dørtrin være et aktiv i lang tid
fremover.
Barrierer er under nedbrydning.
Grænse og administration forenkles.
Marts 2016
8. Ukraine - Business unplugged!
Energieffektivitet på virksomheds- og
husholdningsniveau.
Kompetente distributører, der er placeret korrekt i
værdikæden (low end market, high end products)
Nøglekomponenter/koncepter, der kan sikre
lønsomheden.
Finansieringsmodeller (Nefco).
Marts 2016
9. Ukraine - Business unplugged!
Landbrug og fødevarer.
Fixe supply chain’en
Opgradere food processing sektoren
Inportør/agent med kompetencer
eller
egenetablering
Marts 2016
10. Ukraine - Business unplugged!
Viden/IT, inklusion af kærnekompetencer
via egenetablering.
Marts 2016
11. Ukraine - Business unplugged!
Summering
• Krisen var der allerede.
• Niveauet p.t. afspejler nu-situationen.
• Omstillingen/nyorienteringen er drevet
af politiske og økonomiske faktorer.
• DCFTA effekten er betinget af reformer.
• De tre sektorer er et godt match for DK .
• Lavomkostningsstatus fortsat vigtig.
Marts 2016
12. Ukraine - Business unplugged!
De tre sektorer!
• Energi – fordi det er nødvendigt!
• Landbruget – fordi det er muligt!
• Viden/IT – fordi den er tilgængelig!
Marts 2016
13. Ukraine – Business unplugged!
Om at drive forretning i det tidligere
Sovjet!
Kulturelt og strukturelt er regionen ikke på linje med
internationale business standarder, men er præget af
hvad man kan kalde institutionelle mangler og
sammenhænge.
14. Ukraine – Business unplugged!
Og lad det være sagt straks!
Vi er overbeviste om, at succes i det tidligere
Sovjetunionen er meget mere er viden og hårdt,
struktureret og disciplineret arbejde end kunst, blandet
med lidt held.