El documento describe una lecci¨®n sobre objetos y situaciones peligrosas. Incluye preguntas para identificar objetos peligrosos y explicar por qu¨¦ pueden ser peligrosos.
This document provides insights from Experian Simmons' 2010 Social Networking Report. It finds that 66% of online Americans now use social networking sites, up significantly from 20% in 2007. Users are increasingly addicted to these sites, with 43% visiting multiple times per day. Additionally, 70% of social networkers now keep in touch with family on these sites. The report provides details on user demographics, behaviors, and brand preferences across major social networking sites.
Presentatie voor workshop rond octrooien/patenten opzoeken in de database Espacenet. In dit deel wordt uitgelegd wat een octrooi juist is en hoe je het aanvraagt.
The document outlines a provider of employee, leader, and organizational development solutions with over 60 years of combined experience. It details a range of services including coaching, training, performance improvement, and succession planning, emphasizing their unique approach and proven track record in Fortune 250 companies. The organization focuses on measurable outcomes to ensure effectiveness in enhancing productivity and organizational culture.
Die Hellas Rally Raid ist eine off-road Rallye f¨¹r Motorr?der, Quads, ATVs sowie Buggys und SSV, die in Griechenland stattfindet und sowohl Amateuren als auch Hobbyfahrern offensteht. Teilnehmer k?nnen zwischen verschiedenen Wertungsklassen und einer Abenteuer-Raid-Option w?hlen, wobei eine umfassende Unterst¨¹tzung in der Vorbereitung und Durchf¨¹hrung der Rallye gegeben wird. Die Kosten f¨¹r die Teilnahme sind im Vergleich zu anderen europ?ischen Rallyes relativ g¨¹nstig, und das Event verspricht ein intensives Abenteuer in atemberaubenden Landschaften bei guter Organisation und Sicherheit.
Sales Meeting on Mortgage Myths, Holiday Listings, and Buyer Agency ContractsTom Blefko
?
The November 17, 2015 sales meeting for the Chambersburg office discussed Franklin County market trends, highlighting a 13.8% increase in closed sales year-to-date, a median sold price of $149,900, and an absorption rate of 6.6 months. The meeting also addressed the School Property Tax Elimination Act, which proposes increases in personal income and sales taxes while eliminating school property taxes, and emphasized the advantages of membership in real estate associations. Additionally, it noted the rising trend in new home construction and the benefits of targeting motivated buyers during the holiday season.
Barbara Corcoran's Keynote Address at Inman Connect Spotlights this Sales Mee...Tom Blefko
?
The document discusses the ethical guidelines for realtors regarding commission negotiation and outlines the importance of transparency as mandated by the NAR Code of Ethics. It also addresses mortgage disclosures, emphasizing the introduction of standardized forms like the Loan Estimate and Closing Disclosure to simplify the application process for consumers. Additionally, it mentions revisions to the RPR system and features motivational videos to inspire success in real estate.
The Q2 2015 Homeowner Sentiment Survey examines perceptions around the low listings challenge in the real estate market, revealing that few consumers recognize it as a significant issue. It highlights a gap in homeowners' knowledge regarding selling processes and the potential advantages of current market conditions, indicating an opportunity for real estate agents to educate clients. The survey shows that while many are considering selling, they require more information to feel confident about the sale.
Things to Consider When Buying a Home - Fall 2015Tom Blefko
?
This document provides an overview of key considerations for buying a home. It includes articles on reasons to buy now such as projected increases in home prices and mortgage interest rates. Other articles discuss why using a real estate professional is important, the costs of renting vs buying, and common misconceptions about qualifying for a mortgage. The document aims to inform potential homebuyers about current housing market conditions and factors to weigh when deciding whether to purchase.
The document discusses trends and predictions in the real estate industry for 2012, focusing on syndication and internet data exchange, the evolving role of credit scores, and the emergence of cloud-based agreements. It highlights the growing importance of video marketing and social media in real estate, with predictions about shifting market shares among major real estate platforms. The overall analysis offers insights on buyer behavior and the impact of technology on the industry.
RPR is a property database and tool that provides REALTORS? with comprehensive data on over 160 million properties in the US. It can be used to search for specific properties, analyze comparable properties, and generate customized reports. The tool allows users to refine property details and values based on agent insights. RPR provides essential property information and analytics to help REALTORS? research markets, evaluate investment opportunities, and work with buyers and sellers.
The document discusses the origins of the financial crisis. It identifies several key factors:
1) A housing price bubble formed from the mid-1990s to 2006 as home prices increased each year, outpacing household income growth and moving out of line with economic fundamentals. This fueled expectations of continued price increases.
2) Subprime lending expanded rapidly after 2000, helped inflate the housing bubble, and enabled many new subprime borrowers to access credit. Innovative mortgage products like ARMs contributed.
3) Financial innovations like securitization, CDOs, and credit default swaps masked risk and facilitated the subprime lending boom by channeling funds to subprime mortgages. However
The document discusses the International Tunnelling and Underground Space Association (ITA), a non-profit organization that promotes the use of underground space. It has over 50 member nations and aims to increase awareness of underground infrastructure's benefits. The ITA organizes conferences to share knowledge on tunnel construction techniques and management.
The document provides a summary of a candidate's work experience and skills spanning over 30 years working in finance, IT, management and administrative roles in both the UK and US public and private sectors. It highlights experience in areas such as IT asset management, budgeting, procurement, contract management, software licensing, project management and training.
Sales Meeting on Mortgage Myths, Holiday Listings, and Buyer Agency ContractsTom Blefko
?
The November 17, 2015 sales meeting for the Chambersburg office discussed Franklin County market trends, highlighting a 13.8% increase in closed sales year-to-date, a median sold price of $149,900, and an absorption rate of 6.6 months. The meeting also addressed the School Property Tax Elimination Act, which proposes increases in personal income and sales taxes while eliminating school property taxes, and emphasized the advantages of membership in real estate associations. Additionally, it noted the rising trend in new home construction and the benefits of targeting motivated buyers during the holiday season.
Barbara Corcoran's Keynote Address at Inman Connect Spotlights this Sales Mee...Tom Blefko
?
The document discusses the ethical guidelines for realtors regarding commission negotiation and outlines the importance of transparency as mandated by the NAR Code of Ethics. It also addresses mortgage disclosures, emphasizing the introduction of standardized forms like the Loan Estimate and Closing Disclosure to simplify the application process for consumers. Additionally, it mentions revisions to the RPR system and features motivational videos to inspire success in real estate.
The Q2 2015 Homeowner Sentiment Survey examines perceptions around the low listings challenge in the real estate market, revealing that few consumers recognize it as a significant issue. It highlights a gap in homeowners' knowledge regarding selling processes and the potential advantages of current market conditions, indicating an opportunity for real estate agents to educate clients. The survey shows that while many are considering selling, they require more information to feel confident about the sale.
Things to Consider When Buying a Home - Fall 2015Tom Blefko
?
This document provides an overview of key considerations for buying a home. It includes articles on reasons to buy now such as projected increases in home prices and mortgage interest rates. Other articles discuss why using a real estate professional is important, the costs of renting vs buying, and common misconceptions about qualifying for a mortgage. The document aims to inform potential homebuyers about current housing market conditions and factors to weigh when deciding whether to purchase.
The document discusses trends and predictions in the real estate industry for 2012, focusing on syndication and internet data exchange, the evolving role of credit scores, and the emergence of cloud-based agreements. It highlights the growing importance of video marketing and social media in real estate, with predictions about shifting market shares among major real estate platforms. The overall analysis offers insights on buyer behavior and the impact of technology on the industry.
RPR is a property database and tool that provides REALTORS? with comprehensive data on over 160 million properties in the US. It can be used to search for specific properties, analyze comparable properties, and generate customized reports. The tool allows users to refine property details and values based on agent insights. RPR provides essential property information and analytics to help REALTORS? research markets, evaluate investment opportunities, and work with buyers and sellers.
The document discusses the origins of the financial crisis. It identifies several key factors:
1) A housing price bubble formed from the mid-1990s to 2006 as home prices increased each year, outpacing household income growth and moving out of line with economic fundamentals. This fueled expectations of continued price increases.
2) Subprime lending expanded rapidly after 2000, helped inflate the housing bubble, and enabled many new subprime borrowers to access credit. Innovative mortgage products like ARMs contributed.
3) Financial innovations like securitization, CDOs, and credit default swaps masked risk and facilitated the subprime lending boom by channeling funds to subprime mortgages. However
The document discusses the International Tunnelling and Underground Space Association (ITA), a non-profit organization that promotes the use of underground space. It has over 50 member nations and aims to increase awareness of underground infrastructure's benefits. The ITA organizes conferences to share knowledge on tunnel construction techniques and management.
The document provides a summary of a candidate's work experience and skills spanning over 30 years working in finance, IT, management and administrative roles in both the UK and US public and private sectors. It highlights experience in areas such as IT asset management, budgeting, procurement, contract management, software licensing, project management and training.
Max loves writing science fiction stories and creating characters. He comes up with the idea for a story about a confused alien named Huh who gets lost on Earth. Max works with an animation team to bring his story to life as a drawn animation. They develop the characters, storyboard the plot, and animate the story. In the end, Max is thrilled to see his written work brought to life through animation, showing how an idea can be transformed into a visual story.