This document provides a summary of home price appreciation and depreciation in 2010 for various neighborhoods in Central Denver, Denver suburbs, and surrounding areas. It lists over 80 neighborhoods and the percentage change in home values for that year for both detached and attached homes in each area. Values range from substantial appreciation such as 46.54% in Greenwood Village East to considerable depreciation like -30.61% in Four Lakes.
This document provides an overview of how hotels can leverage social media to improve customer loyalty and experiences. It discusses using social media for project collaboration, consumer interaction, crowd-sourcing ideas from customers, and empowering employees. The document also outlines developing a social media strategy, using platforms like Facebook, Twitter, LinkedIn and more. It emphasizes listening to customers, building relationships and providing value through social media. The goal is to turn customers into loyal brand advocates by delivering exceptional experiences.
This document provides an overview of the first two years of the Internet Governance Forum (IGF). It includes messages from UN officials, background papers on various internet governance topics, summaries of the proceedings from the 2006 and 2007 IGF meetings, reports from workshops at those meetings, and appendices with glossaries and information about the book. The IGF is an open forum established by the UN to discuss public policy issues related to internet governance in a multistakeholder setting. The document shows that over its first two years, the IGF has brought together stakeholders from around the world to engage in dialogue on topics like openness, security, diversity, access, and emerging issues regarding the internet.
This report analyzes the economic impact of the first annual Fire on the Rim mountain bike race held in Pine and Strawberry, Arizona. It estimates that the race resulted in $5,800 to $9,224 in direct spending in the local community. The report concludes that next year's race could double this economic impact if awareness of the event and community increases. Establishing the area as a permanent mountain biking destination could provide sustained long-term economic improvement to the region.
This document is a 233-page user guide and configuration manual for SAP Financial Supply Chain Management (FSCM). It includes chapters on configuring business partners, dispute management, collection management, and in-house cash. The dispute management chapter covers creating RMS IDs, element types, attribute profiles, status profiles, number ranges, and automatic status changes for dispute case processing. It also details activating process integration for SAP dispute management.
4 g americas developing integrating high performance het-net october 2012Zoran Kehler
This document provides an overview of heterogeneous networks (HET-NETs). It discusses that HET-NETs combine traditional macrocell networks with smaller cell types like microcells, picocells, and femtocells to improve network capacity and coverage. The key benefits are increasing capacity in high traffic areas and improving coverage where macrocells alone are insufficient. Challenges include managing interference, mobility, backhaul, deployment, and security across different network types. The document outlines various technologies and strategies that can help address these challenges, such as coordinated multipoint transmission and self-organizing networks. It provides recommendations for operators on implementing a successful HET-NET.
This document summarizes an internship report on the Indian power sector. It provides an overview of the sector including key trends over time. The main points are:
1) There is a large and growing gap between electricity demand and supply in India. The shortage increased to 11% in 2008-09 from 9.8% previously.
2) Thermal power makes up about two-thirds of India's installed generation capacity, with coal being the dominant fuel. State and central government entities still own most capacity, though private sector ownership is growing.
3) Hydroelectric capacity as a percentage of total installed capacity has declined over time from 51% in the early 1960s to 26% after the 10th five
Self optimizing networks-benefits of son in lte-july 2011navaidkhan
This document provides an overview of Self-Organizing Network (SON) capabilities for LTE networks as standardized in 3GPP Release 8, 9, and 10. It discusses the goals of SON, which are to automate network configuration and optimization to reduce costs and improve performance. Key SON features covered include base station self-configuration, automatic neighbor relations, tracking area planning, load balancing, mobility robustness, interference coordination, and energy savings. The timeline of SON standardization and enhancements across LTE releases is presented. Live results demonstrating benefits of applying SON techniques to HSPA+ networks are described. The document also discusses application of SON to technologies like distributed antenna systems and small cells.
This document discusses the role of small scale enterprises in urban areas. It addresses how small businesses operate in cities, the challenges they face, and opportunities for supporting their growth. Key points include:
- Small businesses often operate out of homes or shared community spaces due to limited resources. This can cause environmental and safety issues if not properly regulated.
- Municipal governments need policies that facilitate rather than hinder small business, such as by providing affordable workspaces and transit options.
- Support programs can help small businesses through training, financing, networking and promoting innovation in environmentally-friendly practices.
- Integrating small enterprise activities with urban planning can benefit local economies while improving environmental standards and working conditions.
This document provides an overview of how hotels can leverage social media to improve customer loyalty and experiences. It discusses using social media for project collaboration, consumer interaction, crowd-sourcing ideas from customers, and empowering employees. The document also outlines developing a social media strategy, using platforms like Facebook, Twitter, LinkedIn and more. It emphasizes listening to customers, building relationships and providing value through social media. The goal is to turn customers into loyal brand advocates by delivering exceptional experiences.
This document provides an overview of the first two years of the Internet Governance Forum (IGF). It includes messages from UN officials, background papers on various internet governance topics, summaries of the proceedings from the 2006 and 2007 IGF meetings, reports from workshops at those meetings, and appendices with glossaries and information about the book. The IGF is an open forum established by the UN to discuss public policy issues related to internet governance in a multistakeholder setting. The document shows that over its first two years, the IGF has brought together stakeholders from around the world to engage in dialogue on topics like openness, security, diversity, access, and emerging issues regarding the internet.
This report analyzes the economic impact of the first annual Fire on the Rim mountain bike race held in Pine and Strawberry, Arizona. It estimates that the race resulted in $5,800 to $9,224 in direct spending in the local community. The report concludes that next year's race could double this economic impact if awareness of the event and community increases. Establishing the area as a permanent mountain biking destination could provide sustained long-term economic improvement to the region.
This document is a 233-page user guide and configuration manual for SAP Financial Supply Chain Management (FSCM). It includes chapters on configuring business partners, dispute management, collection management, and in-house cash. The dispute management chapter covers creating RMS IDs, element types, attribute profiles, status profiles, number ranges, and automatic status changes for dispute case processing. It also details activating process integration for SAP dispute management.
4 g americas developing integrating high performance het-net october 2012Zoran Kehler
This document provides an overview of heterogeneous networks (HET-NETs). It discusses that HET-NETs combine traditional macrocell networks with smaller cell types like microcells, picocells, and femtocells to improve network capacity and coverage. The key benefits are increasing capacity in high traffic areas and improving coverage where macrocells alone are insufficient. Challenges include managing interference, mobility, backhaul, deployment, and security across different network types. The document outlines various technologies and strategies that can help address these challenges, such as coordinated multipoint transmission and self-organizing networks. It provides recommendations for operators on implementing a successful HET-NET.
This document summarizes an internship report on the Indian power sector. It provides an overview of the sector including key trends over time. The main points are:
1) There is a large and growing gap between electricity demand and supply in India. The shortage increased to 11% in 2008-09 from 9.8% previously.
2) Thermal power makes up about two-thirds of India's installed generation capacity, with coal being the dominant fuel. State and central government entities still own most capacity, though private sector ownership is growing.
3) Hydroelectric capacity as a percentage of total installed capacity has declined over time from 51% in the early 1960s to 26% after the 10th five
Self optimizing networks-benefits of son in lte-july 2011navaidkhan
This document provides an overview of Self-Organizing Network (SON) capabilities for LTE networks as standardized in 3GPP Release 8, 9, and 10. It discusses the goals of SON, which are to automate network configuration and optimization to reduce costs and improve performance. Key SON features covered include base station self-configuration, automatic neighbor relations, tracking area planning, load balancing, mobility robustness, interference coordination, and energy savings. The timeline of SON standardization and enhancements across LTE releases is presented. Live results demonstrating benefits of applying SON techniques to HSPA+ networks are described. The document also discusses application of SON to technologies like distributed antenna systems and small cells.
This document discusses the role of small scale enterprises in urban areas. It addresses how small businesses operate in cities, the challenges they face, and opportunities for supporting their growth. Key points include:
- Small businesses often operate out of homes or shared community spaces due to limited resources. This can cause environmental and safety issues if not properly regulated.
- Municipal governments need policies that facilitate rather than hinder small business, such as by providing affordable workspaces and transit options.
- Support programs can help small businesses through training, financing, networking and promoting innovation in environmentally-friendly practices.
- Integrating small enterprise activities with urban planning can benefit local economies while improving environmental standards and working conditions.
This document provides a summary of the 2012 Annual Report on the Situation of Asylum in the European Union. It discusses key topics like the number of applications for international protection, major developments in 2012, and the functioning of the Common European Asylum System. There were 335,365 total applicants in 2012, an 11% increase over 2011. Afghanistan remained the top country of origin while Syria saw the largest increase. Important developments included the completion of the CEAS and pressure on some national asylum systems. The report assessed aspects of the CEAS like access to procedures, reception conditions, and vulnerable groups.
- The document presents the findings of a baseline assessment of small-scale and artisanal gold mining conducted in Central and Eastern Equatoria States of South Sudan between February and May 2015.
- It finds that artisanal gold mining provides critical income to around 60,000 miners and indirectly benefits almost half a million people, but that current practices also have negative health, environmental, and social impacts.
- There is an inadequate legal framework and lack of government oversight of mining activities. As a result, artisanal miners and local communities have little awareness of rules or benefits meant for them.
What Every CISO Needs to Know About Cyber InsuranceSymantec
This whitepaper provides information for CISOs on cyber insurance. It covers the evolving cyber threat landscape, recent legislative and regulatory updates, an overview of cyber insurance including what it covers and considerations for determining appropriate coverage levels. It also discusses the roles of privacy attorneys, insurance brokers, and crisis communications specialists in responding to cyber incidents. Sections provide guidance on avoiding litigation after a breach, notifying law enforcement, and choosing incident response vendors. The whitepaper aims to help CISOs understand cyber insurance and prepare for and respond to cyber incidents.
Commercial Agriculture Investment Guide: The Northern Savannah Zone of Ghana ...João Paulo Simões
Comprehensive Guide on investment opportunities in the agricultural sector in the Northern Savannah Zone of Ghana, which covers over 13 million ha of land, 08 million ha of which are found suitable for rain-fed and irrigated agricultural production. Additional information includes potential on hydropower development, multi-purpose dams and irrigation schemes which have already been surveyed.
This document provides a literature review and theoretical framework for a doctoral thesis examining how to improve the strategic contribution of purchasing in local government. It begins with an introduction and outlines the research problem and methodology. The literature review then covers topics such as local government structure and objectives, purchasing strategy and objectives, models of purchasing evolution, and change management. It develops a theoretical model for enhancing the strategic role of purchasing. The document concludes with tables of contents and references sections.
The document provides information about the upcoming annual shareholder meeting of the company, including recommendations of the board of directors, voting procedures, election of directors, and corporate governance practices. It introduces four nominees for election as Class I directors with three-year terms and one nominee each for Class II and Class III directors with one-year and two-year terms respectively. Biographies of continuing directors are also included.
This document is a book about phrasal verbs. It is divided into chapters that focus on different aspects of phrasal verbs, such as separable and nonseparable phrasal verbs, phrasal verbs used with do/does/did, three-word phrasal verbs, present and past continuous phrasal verbs, and pronunciation of two-word and three-word phrasal verbs. Each chapter provides examples of commonly used phrasal verbs to help readers understand and learn how to use these multi-word verbs.
Eric Leifermann is a mechanical engineering major from Appleton, WI with interests in volunteering, traveling, sports, and movies. He has experience in FIRST Robotics as a director and project manager, worked as a student engineer and CAD specialist at Keweenaw Research Center, and volunteers with Mu Beta Psi National Honorary Musical Fraternity. His goals are to volunteer in the Peace Corps, find a fulfilling career, and continuously better himself and the world.
El documento describe las fórmulas para calcular el área de diferentes figuras geométricas, incluyendo cuadrados, rectángulos, rombos, triángulos, trapecios, círculos y polígonos regulares. Explica que el área del cuadrado se calcula multiplicando el lado por sí mismo, el área del rectángulo multiplicando la base por la altura, y el área del rombo multiplicando la diagonal mayor por la diagonal menor. También detalla cómo calcular el área de un triángulo, trapecio, círculo y polígonos
The document discusses focusing on living a life according to Jesus' teachings during one's time in a university program, which typically lasts 3-4 years, similar to the length of Jesus' ministry. It encourages opening one's eyes to see opportunities to positively change people's lives on campus each day and living a life worthy of God's calling, though change and growth may involve discomfort. The overall message is about making spiritual progress during one's years in a university or workplace.
Generatie Y, Hoe kijkt deze generatie tegen de huidige arbeidsmarkt aan?
Generatie Y wil zelfstandigheid maar daarbij ook de verantwoordelijkheid, want met verantwoordelijkheid heb je wat te betekenen.
Generatie Y zit aan het bureau van de baas. Bij generatie y bestaat geen hiërarchie, slechts functiescheiding.
This document discusses tag clouds, which are visual representations of keywords or tags used on a website. Tag clouds display tags in different font sizes to indicate popularity, with more popular tags shown in larger, bolder fonts. The document defines tag clouds and explains their types, creation, perception, and tools for generating them online. It notes that tag clouds benefit users by providing navigation, highlighting search terms, and allowing grouping of similar tags.
This document provides an overview and analysis of Psalm 1. It discusses how the psalm describes the blessedness of those who delight in God's word versus the wicked, comparing the former to a tree planted by streams of water that is prosperous, and the latter to chaff that is blown away. The presentation emphasizes meditating on scripture day and night, and how it can help people understand God, themselves, and foster Christian fellowship. It also contains an interactive activity contrasting qualities of the righteous and wicked.
Este capítulo describe las habitaciones de una casa y los objetos que se encuentran en ellas, incluyendo el dormitorio con una cama, buró y alfombra, y el baño.
This document provides an introduction to domain-driven design (DDD) and discusses how following DDD paradigms can help an IT department better achieve business goals and adapt quickly to changing market conditions. It notes that business complexity grows rapidly, and finding ways to meet business objectives is key. The document outlines DDD concepts like the ubiquitous language, bounded context, and layered architecture. It also lists common DDD building blocks like entities, value objects, aggregates, services, factories, and repositories. It then gives an example of starting a DDD implementation with entities and adding factories, services, repositories, and aggregates. The document concludes that improving the domain layer is an ongoing, iterative process aligned with business needs.
The report aims to make the case for adopting a green growth agenda in Mediterranean countries. It does this by highlighting how environmental policies can generate economic and social co-benefits, and by providing recommendations and case studies on implementing policies and tools to enhance productivity of natural assets while dealing with trade-offs. The objective is to share sustainable economic options with decision makers and present evidence that green growth can create jobs and promote social cohesion in the region.
This document is an instruction manual for Socomec's ATyS d Remote Transfer Switching Equipment. It provides information on safety, product features, installation and commissioning. The manual is available for download in 11 different languages from Socomec's website. It contains sections covering general safety, an introduction to the ATyS product range, quick start guidance, technical specifications, dimensions, wiring diagrams and maintenance.
This document is a declaration of covenants, conditions, and restrictions for Rio Vista Village. It defines various terms used throughout the document, such as "Association", "Common Area", "Owner", and establishes rules and guidelines for the community. The table of contents lists the defined terms and the page numbers they are discussed on.
This report analyzes water use for hydraulic fracturing operations in regions of the United States and Canada experiencing water stress. It finds that from 2011-2013, over 97 billion gallons of water were used in the U.S., nearly half in Texas. About half of wells fractured were in areas of high or extreme water stress, and over 55% were in drought regions. Major oil and gas companies like Chesapeake and service providers like Halliburton used large amounts of water. The report provides recommendations to help companies mitigate risks from potential water shortages or regulatory changes related to water use.
This document contains a table of contents for a technical report on the special area plan for Kuala Kubu Bharu. The table of contents outlines the report's sections on land use, demography, socio-economics, housing, commercial activities, public facilities, infrastructure, urban design, conservation, landscape, recreation, environment, and tourism in Kuala Kubu Bharu. It provides an overview of the analyses and findings that will be presented in the full technical report on the various sectors influencing development in the study area.
This document provides a summary of the 2012 Annual Report on the Situation of Asylum in the European Union. It discusses key topics like the number of applications for international protection, major developments in 2012, and the functioning of the Common European Asylum System. There were 335,365 total applicants in 2012, an 11% increase over 2011. Afghanistan remained the top country of origin while Syria saw the largest increase. Important developments included the completion of the CEAS and pressure on some national asylum systems. The report assessed aspects of the CEAS like access to procedures, reception conditions, and vulnerable groups.
- The document presents the findings of a baseline assessment of small-scale and artisanal gold mining conducted in Central and Eastern Equatoria States of South Sudan between February and May 2015.
- It finds that artisanal gold mining provides critical income to around 60,000 miners and indirectly benefits almost half a million people, but that current practices also have negative health, environmental, and social impacts.
- There is an inadequate legal framework and lack of government oversight of mining activities. As a result, artisanal miners and local communities have little awareness of rules or benefits meant for them.
What Every CISO Needs to Know About Cyber InsuranceSymantec
This whitepaper provides information for CISOs on cyber insurance. It covers the evolving cyber threat landscape, recent legislative and regulatory updates, an overview of cyber insurance including what it covers and considerations for determining appropriate coverage levels. It also discusses the roles of privacy attorneys, insurance brokers, and crisis communications specialists in responding to cyber incidents. Sections provide guidance on avoiding litigation after a breach, notifying law enforcement, and choosing incident response vendors. The whitepaper aims to help CISOs understand cyber insurance and prepare for and respond to cyber incidents.
Commercial Agriculture Investment Guide: The Northern Savannah Zone of Ghana ...João Paulo Simões
Comprehensive Guide on investment opportunities in the agricultural sector in the Northern Savannah Zone of Ghana, which covers over 13 million ha of land, 08 million ha of which are found suitable for rain-fed and irrigated agricultural production. Additional information includes potential on hydropower development, multi-purpose dams and irrigation schemes which have already been surveyed.
This document provides a literature review and theoretical framework for a doctoral thesis examining how to improve the strategic contribution of purchasing in local government. It begins with an introduction and outlines the research problem and methodology. The literature review then covers topics such as local government structure and objectives, purchasing strategy and objectives, models of purchasing evolution, and change management. It develops a theoretical model for enhancing the strategic role of purchasing. The document concludes with tables of contents and references sections.
The document provides information about the upcoming annual shareholder meeting of the company, including recommendations of the board of directors, voting procedures, election of directors, and corporate governance practices. It introduces four nominees for election as Class I directors with three-year terms and one nominee each for Class II and Class III directors with one-year and two-year terms respectively. Biographies of continuing directors are also included.
This document is a book about phrasal verbs. It is divided into chapters that focus on different aspects of phrasal verbs, such as separable and nonseparable phrasal verbs, phrasal verbs used with do/does/did, three-word phrasal verbs, present and past continuous phrasal verbs, and pronunciation of two-word and three-word phrasal verbs. Each chapter provides examples of commonly used phrasal verbs to help readers understand and learn how to use these multi-word verbs.
Eric Leifermann is a mechanical engineering major from Appleton, WI with interests in volunteering, traveling, sports, and movies. He has experience in FIRST Robotics as a director and project manager, worked as a student engineer and CAD specialist at Keweenaw Research Center, and volunteers with Mu Beta Psi National Honorary Musical Fraternity. His goals are to volunteer in the Peace Corps, find a fulfilling career, and continuously better himself and the world.
El documento describe las fórmulas para calcular el área de diferentes figuras geométricas, incluyendo cuadrados, rectángulos, rombos, triángulos, trapecios, círculos y polígonos regulares. Explica que el área del cuadrado se calcula multiplicando el lado por sí mismo, el área del rectángulo multiplicando la base por la altura, y el área del rombo multiplicando la diagonal mayor por la diagonal menor. También detalla cómo calcular el área de un triángulo, trapecio, círculo y polígonos
The document discusses focusing on living a life according to Jesus' teachings during one's time in a university program, which typically lasts 3-4 years, similar to the length of Jesus' ministry. It encourages opening one's eyes to see opportunities to positively change people's lives on campus each day and living a life worthy of God's calling, though change and growth may involve discomfort. The overall message is about making spiritual progress during one's years in a university or workplace.
Generatie Y, Hoe kijkt deze generatie tegen de huidige arbeidsmarkt aan?
Generatie Y wil zelfstandigheid maar daarbij ook de verantwoordelijkheid, want met verantwoordelijkheid heb je wat te betekenen.
Generatie Y zit aan het bureau van de baas. Bij generatie y bestaat geen hiërarchie, slechts functiescheiding.
This document discusses tag clouds, which are visual representations of keywords or tags used on a website. Tag clouds display tags in different font sizes to indicate popularity, with more popular tags shown in larger, bolder fonts. The document defines tag clouds and explains their types, creation, perception, and tools for generating them online. It notes that tag clouds benefit users by providing navigation, highlighting search terms, and allowing grouping of similar tags.
This document provides an overview and analysis of Psalm 1. It discusses how the psalm describes the blessedness of those who delight in God's word versus the wicked, comparing the former to a tree planted by streams of water that is prosperous, and the latter to chaff that is blown away. The presentation emphasizes meditating on scripture day and night, and how it can help people understand God, themselves, and foster Christian fellowship. It also contains an interactive activity contrasting qualities of the righteous and wicked.
Este capítulo describe las habitaciones de una casa y los objetos que se encuentran en ellas, incluyendo el dormitorio con una cama, buró y alfombra, y el baño.
This document provides an introduction to domain-driven design (DDD) and discusses how following DDD paradigms can help an IT department better achieve business goals and adapt quickly to changing market conditions. It notes that business complexity grows rapidly, and finding ways to meet business objectives is key. The document outlines DDD concepts like the ubiquitous language, bounded context, and layered architecture. It also lists common DDD building blocks like entities, value objects, aggregates, services, factories, and repositories. It then gives an example of starting a DDD implementation with entities and adding factories, services, repositories, and aggregates. The document concludes that improving the domain layer is an ongoing, iterative process aligned with business needs.
The report aims to make the case for adopting a green growth agenda in Mediterranean countries. It does this by highlighting how environmental policies can generate economic and social co-benefits, and by providing recommendations and case studies on implementing policies and tools to enhance productivity of natural assets while dealing with trade-offs. The objective is to share sustainable economic options with decision makers and present evidence that green growth can create jobs and promote social cohesion in the region.
This document is an instruction manual for Socomec's ATyS d Remote Transfer Switching Equipment. It provides information on safety, product features, installation and commissioning. The manual is available for download in 11 different languages from Socomec's website. It contains sections covering general safety, an introduction to the ATyS product range, quick start guidance, technical specifications, dimensions, wiring diagrams and maintenance.
This document is a declaration of covenants, conditions, and restrictions for Rio Vista Village. It defines various terms used throughout the document, such as "Association", "Common Area", "Owner", and establishes rules and guidelines for the community. The table of contents lists the defined terms and the page numbers they are discussed on.
This report analyzes water use for hydraulic fracturing operations in regions of the United States and Canada experiencing water stress. It finds that from 2011-2013, over 97 billion gallons of water were used in the U.S., nearly half in Texas. About half of wells fractured were in areas of high or extreme water stress, and over 55% were in drought regions. Major oil and gas companies like Chesapeake and service providers like Halliburton used large amounts of water. The report provides recommendations to help companies mitigate risks from potential water shortages or regulatory changes related to water use.
This document contains a table of contents for a technical report on the special area plan for Kuala Kubu Bharu. The table of contents outlines the report's sections on land use, demography, socio-economics, housing, commercial activities, public facilities, infrastructure, urban design, conservation, landscape, recreation, environment, and tourism in Kuala Kubu Bharu. It provides an overview of the analyses and findings that will be presented in the full technical report on the various sectors influencing development in the study area.
Second Revision Syria Regional Response PlanJesse Budlong
This document is a revised regional response plan for Syria with sections on Jordan, Lebanon, Turkey, and Iraq. It provides an executive summary with tables of financial requirements by agency and sector. The regional overview discusses population figures, strategic objectives, planning assumptions, coordination efforts, and information management. Each country section details the context, needs, response activities, coordination, strategic objectives, and financial requirements by agency and sector.
The document is a survey conducted between April 5-26, 2010 with 58 interviews that asked questions about fiscal issues in the United States. The survey found that:
1) Most Democrats (59%) and Republicans (85%) felt things in the country were headed on the wrong track.
2) Both Democrats (100%) and Republicans (100%) agreed the federal government was on an unsustainable long-term fiscal path.
3) Large majorities of both Democrats (82%) and Republicans (85%) were concerned about America's dependence on foreign lenders, and both parties were almost unanimously concerned about ensuring the solvency of programs like Medicare and Social Security.
This document provides an overview of the Dallas Independent School District's (DISD) budget for the 2022-2023 fiscal year. Key points:
- The total budget is $1.618 billion, with 80.3% allocated for general operating expenses, 7.3% for food services, and 12.4% for debt service.
- Revenue comes from local (53.8%), state (23.5%), and federal (3%) sources. The largest expense categories are basic instruction (47.3%) and plant maintenance and operations (9.5%).
- DISD serves over 160,000 students across 227 schools with nearly 20,000 employees.
This document provides an overview of e-waste (electronic waste) generation, collection, legislation, and recycling practices. Some key points:
- E-waste is one of the fastest growing waste streams due to the sales of electrical/electronic equipment. The total e-waste generated reached 41 million tonnes in 2014 and is increasing 3-5% annually.
- There is a direct correlation between a country's GDP and the amount of e-waste it produces, but population does not have as significant an impact.
- E-waste recycling provides economic, environmental, and public health benefits by recovering valuable materials and preventing toxic substances from entering the environment.
- Current e-waste recycling practices include formal take
ACHIEVING THE VISION OF 80 PERCENT RENEWABLES BY 2030 SRILANKAPrivate Consultants
a draft report to be presented to President of Sri Lanka, Gotabaya Rajapaksha, by State Minister of Renewable Energy, Duminda Dissanayake in September 2020, outlining the state of renewable energy in Sri Lanka
This document provides a profile of the city of Sahiwal, Pakistan. It summarizes key details about Sahiwal's history, geography, demographics, economy, infrastructure, and municipal services. Some key points:
- Sahiwal is located in central Punjab province and has a population of over 500,000. Its economy was historically based around agriculture but is now also focused on industry and commerce.
- The document analyzes Sahiwal's existing water, sewerage, solid waste management, and transportation infrastructure and services. It finds issues like inadequate water supply and sewerage networks and lack of a formal solid waste management system.
- Financially, the document finds that the local
This document discusses methane pollution from the oil and gas industry and its threats. It finds that methane accounts for over 10% of US greenhouse gas emissions, with oil and gas systems being the largest source. Methane is released at multiple points during production, processing, storage and distribution of natural gas and oil. This wasted methane pollutes the environment and contributes to climate change impacts threatening wildlife like warmer streams harming trout. The document calls for stronger regulations to reduce the estimated 8 million tons of methane emitted annually from oil and gas operations.
Staying Agile for Realtime Marketing SuccessTable19
The document discusses the concept of real-time marketing and how technology and customer expectations are driving the need for more agile marketing approaches. Real-time marketing aims to provide the most appropriate offer to a specific customer at a given time and place through dynamic decision-making. It also discusses how consumers now expect interactions and responses anytime, anywhere, across multiple devices. The document provides examples of companies responding quickly to current events through social media. It argues that in order to meet rising customer expectations driven by new technologies, marketing needs to become more agile by constantly learning and improving through collaboration and relevant, timely campaigns.
Comprehensive Primary Care Functions:
1) Access and Continuity;
2) Care Management;
3) Comprehensiveness and Coordination;
4) Patient and Caregiver Engagement; and
5) Planned Care and Population Health.
CPC+ includes three payment elements:
1) Care Management Fee (CMF);
2) Performance-Based Incentive Payment; and
3) Payment under the Medicare Physician Fee Schedule.
Qantas Airways has developed a Disability Access Facilitation Plan to assist passengers with disabilities or specific access needs. The plan covers reservation and pre-flight planning, kerbside processes, check-in procedures, security screening, facilities in airline terminals, policies for mobility aids, service dogs, access to aircrafts and onboard assistance, service delivery, and staff training to accommodate all passenger needs.
This document provides information on Etowah High School including its history, configuration, staffing, demographics, assessment results, trends, stakeholders, mission, beliefs, instructional effectiveness, improvement goals, action plan, results from the previous year's plan, analysis of student achievement data, and locally required plans for technology, attendance, safety, character education, homework, career/technical education, and response to intervention. Key information includes the school serving grades 9-12 with approximately 1,000 students, 50% receiving free/reduced lunch, goals to improve math and reading scores, and plans for professional development, safety protocols, and using data to guide instruction.
This document presents South Africa's National Climate Change Response White Paper. It outlines two objectives for South Africa's climate change response: 1) effectively manage inevitable climate change impacts through building resilience, and 2) make a fair contribution to stabilizing global greenhouse gas concentrations. The response is guided by constitutional and international principles. Key elements of the strategy include prioritizing adaptation, using a national emissions trajectory range to guide mitigation efforts, implementing flagship programs, and mainstreaming climate-resilient development across all sectors of society. Monitoring and evaluation systems will track climate impacts and the effectiveness of the response.
The document provides an overview of Allianz Group's market consistent embedded value (MCEV) results as of December 31, 2008. Key highlights include:
1) Total MCEV was EUR 12,545 million, a 43% decrease from 2007, driven largely by the economic crisis which lowered equity values and interest rates.
2) Net asset value increased 5% to EUR 9,884 million due to a 44% rise in required capital.
3) Value of in-force business fell 79% to EUR 2,662 million as profit projections declined and costs of options and guarantees increased in a low interest rate environment.
This document outlines the Denton Central Appraisal District's 2015-2016 reappraisal plan. It discusses general policies and procedures for appraising different types of properties using mass appraisal methods. It covers appraising real property like commercial, agricultural, residential, and mobile homes. It also discusses appraising business personal property. The plan aims to analyze all property categories within the district boundaries each year and reappraise as needed using mass appraisal techniques that comply with USPAP standards.
1. Brian Getman | Broker Associate
303.550.6426
303.733.5335 | PorchLightGroup.com
2.
3. 2010 Appreciation/Depreciation Summary
Central Denver Detached Central Denver Attached
Alamo Placita ................................................................................-13.72% Alamo Placita ..................................................................... -41.46%
Baker ....................................................................................................1.68% Baker ..................................................................................... -17.01%
Belcaro .............................................................................................. -1.27% Berkeley ............................................................................... -27.16%
Berkeley ..............................................................................................4.09% Bonnie Brae ...............................................................................0.4%
Bonnie Brae ...................................................................................-14.82% Byers........................................................................................27.73%
Byers.................................................................................................. 27.76% Captiol Hill .............................................................................. 6.41%
Captiol Hill ...................................................................................... 18.56% Cheesman Park ..................................................................... 5.18%
Chaffee Park .................................................................................... -0.01% Cherry Creek North.......................................................... -12.31%
Cheesman Park ............................................................................. 15.78% Cherry Creek South ............................................................-2.54%
Cherry Creek North.........................................................................0.49% City Park ................................................................................... 3.42%
Cherry Creek South ...................................................................... -3.05% City Park West ......................................................................28.36%
City Park ..............................................................................................2.32% Congress Park ......................................................................43.75%
City Park West ................................................................................. -8.93% Five Points .............................................................................10.19%
Congress Park ...................................................................................0.55% Golden Triangle....................................................................-4.60%
Cory Merrill ...................................................................................... -1.63% Hale/Mayfair..........................................................................-3.13%
Country Club.................................................................................-10.89% Highlands ................................................................................ 1.17%
Crestmoor ....................................................................................... -6.19% Jefferson Park ......................................................................76.72%
Crestmoor (Monaco) ..................................................................-12.84% LODO ......................................................................................28.07%
Five Points ....................................................................................... 45.70% Lowry .................................................................................... -10.71%
Hale/Mayfair......................................................................................5.19% Potter Highlands..................................................................-2.86%
Highlands ......................................................................................... -0.17% Sloans Lake ......................................................................... -21.18%
Hilltop ................................................................................................ -3.95% Whittier ................................................................................ -20.16%
Jefferson Park ...............................................................................-15.87%
Lowry ................................................................................................ 18.02%
Montclair .......................................................................................... -6.86%
Observatory Park .............................................................................5.27%
Park Hill North ............................................................................... 21.21%
Park Hill North (Monaco) ........................................................... 16.37% Suburban Detached
Park Hill South (Monaco) ............................................................ -1.57% Broadway Estates ................................................................. 3.04%
Park Hill South ..................................................................................0.70% Cherry Knolls........................................................................12.25%
Platt Park .......................................................................................... -0.86% Cherry Wood Village........................................................ -10.56%
Polo Grounds ....................................................................................7.79% Dream House Acres ............................................................. 8.97%
Potter Highlands........................................................................... 12.20% Four Lakes ........................................................................... -30.61%
Regis................................................................................................... -5.46% Green Oaks ............................................................................. 9.78%
Rosedale ........................................................................................... -5.33% Greenwood Village East ...................................................46.54%
Skyland ............................................................................................ 29.72% Greenwood Village West.................................................... 0.26%
Sloans Lake ...................................................................................... -1.53% Heritage Greens .................................................................... 4.85%
Southern Hills/Wellshire ................................................................-7.6% Heritage Village....................................................................-6.51%
Southmoor Park ...........................................................................-10.28% Highlands East.....................................................................11.85%
Stapleton ............................................................................................8.11% Highlands Ranch .................................................................. 1.28%
Sunnyside...........................................................................................5.27% Homestead ............................................................................-9.89%
Univeristy Hills................................................................................ -8.17% Lonetree .................................................................................-3.24%
University .......................................................................................-11.00% Ridgeview Hills North ........................................................-0.49%
Uptown ...........................................................................................-19.03% Ridgeview Hills ....................................................................10.13%
Virginia Village ..................................................................................8.55% Southbridge ....................................................................... -14.68%
Washington Park .........................................................................-17.23% Southglenn............................................................................-5.31%
Washington Park West...................................................................1.69% Southwood ............................................................................-7.87%
West Colfax ..................................................................................... 28.88% Walnut Hills ............................................................................ 0.19%
Whittier ............................................................................................ 17.54% Willow Creek .......................................................................... 1.47%
Brian Getman | 303.550.6426 | brian@milehighhomefinder.com
5. Northwest Denver Neighborhoods
Berkeley
The up-and-coming west side. in land-locked Colorado, it’s a wonderful surprise to find a Denver neighborhood
with two lakes. Located between 38th Avenue, i-70, Sheridan, and Federal, Berkeley is a wealth of growth and
activity. it’s nature plus nurture here. Hike, bike, play tennis, picnic, and bring the dogs to Berkeley Lake Park and
Rocky Mountain Lake Park where you’ll find a tennis court, dog park, and rec center. Or nurture your artistic self with
concerts at the historic Oriental Theater and First Friday Art Walks on Tennyson.
On the east side of Berkeley is Harkness Heights, a designated historic Denver neighborhood where you can find
historic homes. This area consists of larger brick bungalows and Denver squares. Berkeley’s main drag, Tennyson, is
experiencing a renaissance of renewal with numerous art galleries, locally owned restaurants, and a diverse mix of
businesses, boutiques, and specialty food shops. For authentic Mexican and italian fare, you can’t beat the endless
options on Federal. Families will like the nearby library, churches, and aforementioned parks.
Berkeley is a terrific living option for those who desire both urban energy and neighborhood charm.
Shops and Restaurants:
▼ I-70
Berkeley Park Rocky Mountain Park
Tennyson & 46th Lowell & 46th
▲ W 46th Ave.
Berkeley ▲ W 44th Ave.
▼ Green Ct.
McDonough Park
Federal & 41st
▲ W 41st Ave.
▲ Federal
▼ Sheridan
▲ 38th Avenue
▼ Tennyson St.
▼ Lowell Blvd.
Brian Getman | 303.550.6426 | brian@milehighhomefinder.com
6. Northwest Denver Neighborhoods
Chaffee Park
All that’s old is new again. On the northern edge of central Denver lies a cozy older neighborhood that has recently
emerged as one of Denver’s rediscovered areas. Between 38th Avenue, 48th Avenue, inca, and Tejon, replete
with small brick bungalows and an eclectic blend of architecture, is Chaffee Park. This area enjoys a direct link to
Downtown Denver via 38th Avenue and lies right alongside i-25 for easy access north or south. you’ll find the most
commerce along 38th Avenue, where authentic Mexican restaurants, banks and many shops and services keep life
convenient. Strewn throughout the highly residential neighborhood are community churches and corner markets.
you won’t want to miss Tennyson, where new-age nuances and locally owned establishments line the sidewalked
street from 39th through 44th Avenues.
Chaffee Park, the area’s namesake, includes a basketball court, softball skin infield, playground, and picnic areas
where residents enjoy the open land. Within the borders are a fire station, middle school, police station, Boys and
Girls Club, and post office. quiet, community-minded, and filled with character, this is an historic neighborhood with
new ideas.
Shops and Restaurants:
▼ 48th Avenue
▲ I-70
▼ Tejon Street
▼ Quivas St.
Pecos & 46th Park
Pecos & 46th
▼ W. 46th Ave.
▲ Inca Street
▼ Navajo St.
▼ W. Cha ee Pl.
▲ Pecos St.
▼ Jason St.
▼ Lipan St.
▲ Shoshone St.
▼ W. 45th Ave.
Cha ee Park
Tejon & W. 43rd ▲ W. 44th Ave.
▼ Osage St.
▲ W. 43rd Ave.
Cha ee
▲ W. 42nd Ave.
Ciancio Park
Park ▲ W. 41st Ave. Lipan & 41st
▲ W. 40th Ave.
Columbus Park
▲ W. 39th Ave.
38th Ave. & Osage
▲ 38th Avenue
Brian Getman | 303.550.6426 | brian@milehighhomefinder.com
7. Northwest Denver Neighborhoods
Highlands
Hang with the hipsters. This is the place to be and be seen, with a healthy dose of funky personality.
People come from all over the city to check out the charming boutiques, eat at a choice of delicious
restaurants, or have a few drinks at a neighborhood hotspot. This is Highlands, right on the square.
Originally planned as square instead of rectangular streets, this neighborhood still maintains its communal
energy. Surrounding the square is block after block of super cute homes, with as much character as their
inhabitants.
Highlands sits just across i-25, right next to Downtown Denver, between 38th Avenue, 29th Avenue,
Federal, and Sheridan. Scottish, English and Welsh immigrants founded this hip and ethnically diverse
area in 1858. it later became an even larger melting pot when italians, irish, Germans, and Mexicans
arrived. you’ll love the Downtown Denver vibe with easy access to the Pepsi Center, invesco Field at
Mile High, and Coors Field, not to mention the Downtown Aquarium, the Children’s Museum, and Elitch
Gardens amusement park. Outdoor enthusiasts and weekend warriors love spending time at the massive
REi flagship store or braving the baby rapids at Confluence Park.
Highlands is one of the most vibrant places to live in the city, while still offering a cozy, respectful
neighborhood feel. it is undeniably diverse and understandably popular. Average list prices run in the
mid-to-high $300,000 range, quite a bargain when you consider all the area has to offer.
Shops and Restaurants:
▼ W. 38th Avenue
▼ Grove St.
▲ Federal
▼ Yates St.
▼ Wolf St.
Pferdsteller Park
W. 33rd Ave. & Yates
▼ W. 33rd Ave.
Highland Park
▼ W. Montcrie Place Federal & W. 32nd Ave.
▼ W. 32nd Ave.
▼
Sp
eer
▼ 29th Avenue Blv
d.
▼ Tennyson St.
▲Sheridan
▼ Lowell Blvd.
▼ Irving St.
Highlands
Brian Getman | 303.550.6426 | brian@milehighhomefinder.com
8. Northwest Denver Neighborhoods
Potter Highlands
Downtown Denver without the noise. The Potter Highland Historic district occupies much of the
neighborhood west of Zuni. Sometimes referred to as LoHi, the section of Highland closer to Downtown
Denver, particularly from 15th through 20th Streets (the original Downtown Grid), is rapidly being turned
into newer lofts and condos.
Potter Highlands attracts funky, independent shops and boutiques and active residents who love being
in the center of the city, but still enjoy the sanctuary of home. Live here and you’ll enjoy the convenience
of everything it offers. The Highlands Bridge, a pedestrian overpass, connects the area to Riverfront and
LoDo, while local grocers, trendy restaurants, and a sprinkling of remaining historic buildings and homes
retain a community feel. Officially located between 38th Avenue, Speer, Federal, and the Platte River,
this diverse and eclectic neighborhood is one of the most inclusive in all of Denver, with home priced
primarily between $200,000 and $500,000.
Shops and Restaurants:
Hirshom Park
Boulder Street & 16th Street
▼ W. 38th Avenue
▼ Federal
▼ Wyandot St.
▼ Osage St.
▼ Pecos St.
▼ Tejon St.
▼ Zuni St.
▼ W. 33rd Ave.
▼ W. 32nd Ave.
t.
▼ Umatilla St.
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Brian Getman | 303.550.6426 | brian@milehighhomefinder.com
9. Northwest Denver Neighborhoods
Jefferson Park
Perched on bluff. Originally, Jefferson Park was part of The Town of Highland, considered Denver’s first suburb,
overlooking the Platte River. Today it’s known and named for its park and other historic landmarks like the
original city hall, now the site of Denver Fire Station 12, and a mix of 20th century and mid-century homes and
apartments.
The neighborhood centers around the 6.7-acre Jefferson Park, named in honor of the third American president.
Considered a working-class neighborhood, people here are diverse, community-minded, and have a high
membership in their United Neighbors Organization—a testament to their commitment to the neighborhood.
Jefferson Park experienced a development boom at the turn of the millennium and is experiencing a bit of a
renaissance because developers (and residents) can see the benefits of being so close to Downtown Denver.
To its credit, the Jefferson Park neighborhood has been able to retain its personality and affordable housing
options during its on-going period of gentrification. Don’t miss Federal Boulevard, which is teeming with an
authentic and ethnic blend of Vietnamese eateries (try the popular Pho), Thai diners, Middle Eastern food, and
Mexican restaurants. Of course, you’ll also want to take advantage of nearby Downtown Denver for its sports
and music venues and rich mix of bars, restaurants, and retail shops.
Jefferson Park lies south of Highlands and east of Sloan’s Lake, between Speer, Colfax, the peaceful Platte River,
and Federal.
Shops and Restaurants:
▼
▲ Zuni St.
▼ W. 29th Ave.
Sp
eer
▼ W. 26th Ave.
▼ Eliot St.
▼ Clay St.
Con uence Park
St. Cherry Creek & Platte River
ter
Wa Downtown Aquarium
▼
Je erson Park ▼ W. 23rd Ave.
W. 23rd & Clay St.
▼ W. 22nd Ave.
Children’s Museum
Je erson
Con uence Park
Children’s Museum Dr. & 7th St.
Park ▲ W. 20th Ave.
. Pla tte River
▼ Federal
Invesco Field
at Mile High
▲ S
▲ Colfax
Brian Getman | 303.550.6426 | brian@milehighhomefinder.com
10. Northwest Denver Neighborhoods
Sunnyside
A bright spot. Sunnyside is part of the historic Highlands area in Northwest Denver, bounded by Federal,
i-25, i-70, and 38th Avenue. Let the Union Pacific railroad lines take you back to the days when this
neighborhood was experiencing its original renaissance around the turn of the century. it doesn’t require
much imagination. The old-growth trees, modest homes, and corner churches easily bring to mind a time
gone by. Old enough to now be experiencing a revival, Sunnyside is indeed having its moment in the sun.
Come experience the Hispanic and Latino flavor at any number of authentic south-of-the-border
restaurants along Federal and 38th Avenue. Take in the lively music filling the air from many a backyard
during weekend family get-togethers. And imagine what it feels like to be living at the intersection of
serenity and urban energy, with quiet nights and busy days. So close to Downtown Denver, yet so far from
the frantic pace, Sunnyside could be the perfect place for you to call home. The average listing price is
around $250,000, a relative bargain for this re-emerging neighborhood.
Shops and Restaurants:
▼ I-70
Sunnyside
▲ W. 44th Ave.
▼ Federal
▲ Tejon
▲ W. 38th Ave.
Brian Getman | 303.550.6426 | brian@milehighhomefinder.com
11. Northwest Denver Neighborhoods
Sloan’s Lake
Dragon Boats and dragonflies. Every year in July, Sloan’s lake hosts the Dragon Boat Festival, where
100,000 people come to celebrate and experience Colorado’s Asian Pacific culture, customs, and traditions.
it is this creativity and open-armed welcoming attitude that give the Sloan’s Lake inclusive community its
well-founded reputation.
Two connected lakes, Cooper and Sloan, comprise Sloan’s Lake’s 177-acre wildlife refuge and nature-lover’s
paradise. These lakes are a focal point of the neighborhood bordered by West 29th Avenue, 17th Avenue,
Federal, and Sheridan. From pedestrian trails and playgrounds to boat docks and tennis courts, this area
is terrific respite for Sloan’s Lake visitors and residents. Primarily residential with the majority of homes
built in the 1930s, Sloan’s Lake possesses pockets of architecturally stunning 19th century structures and
includes an eclectic mix of houses on 14th Avenue and Stuart Street. Visit neighboring Highland Square,
where you’ll discover plenty of great restaurants, pubs, and charming boutiques.
With access to i-25 and i-70, a mountainous view, and a 10-minute ride from Downtown Denver, Sloan’s
lake is a convenient, affordable, and diverse mile-high neighborhood. The median listing price of just
under $400,000.
Shops and Restaurants:
Sloan’s Lake Park
Sheridan & 17th Avenue
▼ W. 29th Ave.
▼ W. 26th Ave.
▼ Sheridan
▲ Federal
▲ Meade St.
▼ W. 20th Ave.
▲ W. 19th Ave.
▲ W. 17th Ave.
Sloan’s Lake
Brian Getman | 303.550.6426 | brian@milehighhomefinder.com
12. Selling Your Home with Brian Getman
Brian Getman has been a resident of the Lower Highland Neighborhood for the past We have proven marketing
eight years. As a result he has expert knowledge of all Denver Proper market trends, systems that are second to none.
neighborhoods and property listings. Brian Getman prides himself on helping Some of the web-sites we are
his clients make educated real estate decisions and is always honest about a seller’s affiliated with and will market
ability to sell, what price the market will bear, and how long it will take to realize your property on are:
a contract.
» PorchlightGroup.com
Brian provides the same great level of service to all sellers regardless of price point,
architectural style or location. Some of these services include but are not limited to: » MileHighHomeFinder.com
» Professional Staging: Proven to increase sales price and decrease time on the market. » Realtor.com
if your property is occupied we will help you arrange your furnishings to optimize (Enhanced Showcase Listings
showing condition. if you have a vacant home or development we will provide with 25 photos!)
furniture form our massive warehouse of high end staging materials. » COHomeFinder.com
» Professional HD Photography & Virtual Tours » Trulia.com
» A customized property web-site: For Example www.123MainSt.com (Based on » Zillow.com
property address & domain availability.)
» craigslist.com
» Instant Text Message Info (SMS): Any person passing by can text the address to a
(Auto posted every 3 days.)
number and all property data will instantly be sent to their phone.
» backpage.com
» High Quality Color Brochures: Unlimited quantity to place inside the property
and in brochure box attached to the real estate sign. We also laminate a copy an » homes.com
dattach it to your sign so that passers by will never be uninformed. » recolorado.com
» Social Media Marketing: your property will be pushed out on Facebook, Linked » facebook.com
in, Twitter & Real Estate Blogs.
» linkedin.com
» Organic Marketing: We auto post your property on Craigslist & back page every
three days. » byownerMLS.com
» E-mail Drip Campaigns: We market your property to an established broker network » Enormo.com
and client database of over 10,000 contacts. » frontdoor.com
» 5280 Magazine Advertising: We advertise new listings and our web address in » googlebase.com
5280 Magazine to drive traffic to your listing.
» hotpads.com
» Unlimited Open Houses: We place a minimum of 10 open house signs out for
» local.com
each open house ensuring maximum exposure.
» lycos.com
» Weekly Updates for Showing Feedback
» oodle.com
» Personal Web Portal: View Transaction Documents form anywhere, anytime.
» overstock.com
» Electronic Real Estate Contracts: All Web based! No faxing, no scanning, and no
hassle contract delivery. Sign all documents remotely using your mouse. This » vast.com
saves a great deal of time!
We look forward to helping you — call today for a free market Analysis!
Brian Getman | 303.550.6426 | brian@milehighhomefinder.com
13. Ten Reasons to Buy a Home
1. You can get a good deal. Especially if you play hardball. This is a 6. It offers some inflation protection. No, it’s not perfect. But studies
buyer’s market. Most of the other buyers have now vanished, as the tax by Professor Karl “Chip” Case (of Case-Shiller), and others, suggest that
credits on purchases have just expired. We’re four to five years into the over the long-term housing has tended to beat inflation by a couple of
biggest housing bust in modern history. And prices have come down a percentage points a year. That’s valuable inflation insurance, especially
long way– about 30% from their peak, according to Standard & Poor’s if you’re young and raising a family and thinking about the next 30 or
Case-Shiller index, which tracks home prices in 20 big cities. yes, it’s 40 years. in the recent past, inflation-protected government bonds, or
mixed. New york is only down 20%. Arizona has halved. Will prices fall TiPS, offered an easier form of inflation insurance. But yields there have
further? Sure, they could. you’ll never catch the bottom. it doesn’t really plummeted of late. That also makes homeownership look a little better
matter so much in the long haul. by contrast.
Where is fair value? Fund manager Jeremy Grantham at GMO, who 7. It’s risk capital. No, your home isn’t the stock market and you
predicted the bust with remarkable accuracy, said two years ago that shouldn’t view it as the way to get rich. But if the economy does surprise
home prices needed to fall another 17% to reach fair value in relation us all and start booming, sooner or later real estate prices will head up
to household incomes. Case-Shiller since then: Down 18%. again, too. One lesson from the last few years is that stocks are incredibly
hard for most normal people to own in large quantities–for practical as
2. Mortgages are cheap. you can get a 30-year loan for around 4.3%. well as psychological reasons. Equity in a home is another way of linking
What’s not to like? These are the lowest rates on record. As recently as part of your portfolio to the long-term growth of the economy–if it hap-
two years ago they were about 6.3%. That drop slashes your monthly pens–and still managing to sleep at night.
repayment by a fifth. if inflation picks up, you won’t see these mort-
gage rates again in your lifetime. And if we get deflation, and rates fall 8. It’s forced savings. if you can rent an apartment for $2,000 month
further, you can refi. instead of buying one for $2,400 a month, renting may make sense. But
will you save that $400 for your future? A lot of people won’t. Most, i
3. You’ll save on taxes. you can deduct the mortgage interest from your dare say. Once again, you have to do your math, but the part of your
income taxes. you can deduct your real estate taxes. And you’ll get a tax mortgage payment that goes to principal repayment isn’t a cost. you’re
break on capital gains–if any–when you sell. Sure, you’ll need to do your just paying yourself by building equity. As a forced monthly saving, it’s a
math. you’ll only get the income tax break if you itemize your deduc- good discipline.
tions, and many people may be better off taking the standard deduction
instead. The breaks are more valuable the more you earn, and the bigger 9. There is a lot to choose from. There is a glut of homes in most of
your mortgage. But many people will find that these tax breaks mean the country. The National Association of Realtors puts the current inven-
owning costs them less, often a lot less, than renting. tory at around 4 million homes. That’s below last year’s peak, but well
above typical levels, and enough for about a year’s worth of sales. More
4. It’ll be yours. you can have the kitchen and bathrooms you want. keeping coming onto the market, too, as the banks slowly unload their
you can move the walls, build an extension–zoning permitted–or paint inventory of unsold properties. That means great choice, as well as great
everything bright orange. Few landlords are so indulgent; for renters, prices.
these types of changes are often impossible. you’ll feel better about
your own place if you own it than if you rent. Many years ago, when i 10. Sooner or later, the market will clear. Demand and supply will
was working for a political campaign in England, i toured a working- meet. The population is forecast to grow by more than 100 million peo-
class northern town. Mrs. Thatcher had just begun selling off public ple over the next 40 years. That means maybe 40 million new house-
housing to the tenants. “you can tell the ones that have been bought,” holds looking for homes. Meanwhile, this housing glut will work itself
said my local guide. “They’ve painted the front door. it’s the first thing out. Many of the homes will be bought. But many more will simply be
people do when they buy.” it was a small sign that said something big. destroyed–either deliberately, or by inaction. This is already happening.
Even two years ago, when i toured the housing slump in western Florida,
5. You’ll get a better home. in many parts of the country it can be really i saw bankrupt condo developments that were fast becoming derelict.
hard to find a good rental. All the best places are sold as condos. Money And, finally, a lot of the “glut” simply won’t matter: it’s concentrated in a
talks. Once again, this is a case by case issue: in Miami right now there few areas, like Florida and Nevada. Unless you live there, the glut won’t
are so many vacant luxury condos that owners will rent them out for a have any long-term impact on housing supply in your town.
fraction of the cost of owning. But few places are so favored. Generally
speaking, if you want the best home in the best neighborhood, you’re
better off buying.
Source: The Wall Street Journal
Brian Getman | 303.550.6426 | brian@milehighhomefinder.com
14. Find the Perfect Home in four easy steps
One: Get Started.
First, you may want to speak with a lender to get pre-
approved for financing. We can recommend some great
lenders, and you can see how much you can afford, what
your monthly payments will be, and learn more about
your financing options. The Home-Buying Process
Then, have a get-together with us. We’ll listen to your plans
and interests. We’ll find out what you’re looking for—a home,
condo or town home? What’s your vision? We’ll discuss neigh-
borhoods, aspects of your new home and much more.
Two: Learn the Market.
Next, let us take you on Market Education Day. Together, we’ll choose your PorchLight
real estate agent.
explore different neighborhoods. We’ll look at an array of dif-
ferent prices and styles of homes. By the end of the day, you’ll (mortgage company)
know all that’s available in your price range.
choose your lender and
Then, let us do our homework! We’ll preview all the properties get pre-qualified
that fit your criteria and select the best. We won’t waste your
credit report
time looking at homes that don’t suit you. With help from the
MLS (Multiple Listing Service), we’ll make sure you see all the view homes
right properties, no matter who has them listed.
appraisal
Three: Make an Offer.
What happens when you fall in love with a property? Of make an offer
course we’ll do an extensive market analysis to help you
decide what is a fair price. verifications
Then we will write a contract that outlines the details of
negotiate contract
the transaction including your offer price, closing date,
inclusions and exclusions, and many more important underwriting
decisions. your offer to purchase is normally presented with loan approval
a 1-2% deposit. This “earnest money” is commonly put into inspect house
a trust account for your benefit and becomes part of your
down payment at closing. title search
title insurance
Four: Simplify the Transaction.
Besides helping you track and find your dream home,
we handle the big picture and the countless little details, clear to close
including:
» Managing inspections.
» Working with your lender and appraiser to be certain your
loan is approved in time.
» Conferring with the title company about all the closing
details and the preparation of your settlement statement.
You’re a Homeowner!
» Making sure you receive a recorded deed and title policy.
» Remaining your primary source of information and
assistance, months and years after your closing.
Brian Getman | 303.550.6426 | brian@milehighhomefinder.com
15. Sherlock Homes: PorchLight’s One-of-a-Kind Market Update Service
Whether you’re looking to buy, sell or simply stay current with what’s going
on in the market, PorchLight’s Sherlock Homes is the most powerful market
update service available. We download listings directly from MLS (Multiple Key Features:
Listing Service) hourly and make them available for you to view online. We » Direct Link to the MLS
customize home searches for you based on your criteria, and we send you Automatic emails alerts with new
email alerts as often as you choose. property listings are sent just minutes
after properties hit the market.
» Interactive Map Search
The interactive map allows you to
Benefits to Buyers: locate and preview properties
with drop and drag functions so
» Because Sherlock Homes is linked directly to the MLS, automated emails are sent with
you see only houses in a specific
property listings minutes after they hit the market so you can get the most current area. Or if you’re unfamiliar with a
information available. neighborhood, you’ll see only where
the available properties are located.
» There is no need to visit other listing websites; every property that fits your criteria is
automatically emailed to you.
» Vicinity Search
» Searches can be tailored to meet your specific criteria and multiple searches can be With Vicinity Search, you can
set-up for different neighborhoods. locate properties near or around
a target address.
» Neighborhood values can be quickly and easily compared.
» School District Search
The School District Search allows
Benefits to Sellers & Homeowners: you to locate properties in a specific
school district.
» Allows sellers and homeowners to keep current about what’s going on in their neigh-
borhood and in the market in general. » My Points of Interest Search
» if and when you do decide to sell, you’ll already be armed with the most up-to-date Use the My Points of interest search
to see how far each property is from
information about your home’s value…no surprises!
important locations, such as your
work or daycare center.
General Benefits: » Driving Directions
» Allows for non-invasive communication between the client and the broker. you can Sherlock Homes provides driving
directions to properties, and even
stay up to date and your broker can see your activity without having to exchange
driving directions between multiple
emails or calls.
properties!
» you can receive emails as often as you like: immediately—great for investors; daily—
great for buyers; and weekly—great for home owners.
Brian Getman | 303.550.6426 | brian@milehighhomefinder.com
16. About Brian Getman
Brian Getman has nine years of expert real estate service. He began his career on the lend-
ing side of the industry as a mortgage lender; as a result, he has an intimate knowledge of all
current trends in residential, commercial & builder/construction financing. This enables him to
help both buyers and sellers evaluate the financial side of any transaction. He is also a real estate
investor & property rehabber which allows him to help people evaluate the viability of invest-
ments ranging from Fix & Flips, New Development, or Buy & Hold Rental Property.
Brian prides himself on helping his clients make educated real estate decisions and always provides
honest opinions of market value, exit strategies, absorption rates, remodeling costs, neighborhood
property values, and property alternatives. He has experience selling properties of all styles includ-
ing single family homes, town homes, condos, lofts, new developments, investment properties, and
mixed use. He is a Denver Proper Neighborhood Expert.
Since beginning his career as a licensed agent in 2005 with RE/MAx he has remained a top
producing agent each year from 2005-2011. Brian recently joined PorchLight Real Estate Group
and is thrilled about the opportunity it provides to give an even higher level of real estate
service. PorchLight is an innovative company with outstanding technology platforms, up to the
minute market information, impeccable marketing and fantastic office locations. Brian has made
this switch so that he can provide you and everyone you know with an incredibly high level of
real estate service.
Brian and his wife Jessica have been residents of Northwest Denver/ Lower Highland for the past
seven years they have an Australian shepherd named Charlie. He is a graduate of the University
of Arizona – Eller College of Business Management with a degree in Management information
Systems. His passions other than real estate include music, golf, fly fishing & cooking.
Brian Getman | 303.550.6426 | brian@milehighhomefinder.com