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Different sets of software are being developed everyday just to ease man with some of his technical works such as in the field of business. These programs are specially designed to make high speed calculations and analysis of the data and come up with a soft copy of information output that can be used instantaneously after the software processes it. Statistics is one of the most complicated clerical works of anyone who is studying or working in the field of economics, politics and even social matters. Statistics is deemed to be of importance because it gives a type of descriptive conclusion or interpretation that can be very precise depending upon the quality of data that has been gathered and the competence that is given to organize, interpret and represent that data. But even with the level of competence that a person has with regards to his statistical skills, there is still a probability that a miscalculation might be made and alter the holistic outcome of the statistics.
However, because of the rapid advancements of technology and the evolution of the functions that can be performed by the humble computer software developers has come up with a certain software program that can make ease any statistician of all their statistical tasks. The development of a program that is able to perform the task of organizing and interpreting statistical data was q revolutionary breakthrough when it comes to statistical analysis help. Statistics programming is defined as the systematic calculation of all the numerical data that has been downloaded into the system wherein it is organized basing upon the categories. These categories are classified upon the nature of the data that has been downloaded. After the process of organizing the data, it will be then interpreted numerically. This function of statistical programming helps to lessen the burden of work and also to maximize the output of a statistician.
Statistical program is composed of sets of languages. There are a total of 17 categories in a statistical program and these are the following;
• Analytica, ADMB
• Gretl, GAUSS
• Quantum (Programming Language)
• Programming Language, SPSS, Symbolic Data Analysis, Sysquake, SAS (software and language), Speakeasy(Computation), SHAZAM (Software)
• World Programming System
Each of these categories of Statistics Programs has their own unique sets of functions. Each one of it is capable of performing specific functions about statistics. The MATRIX LAB is one of the statistics programs that are widely used today. It is a program that is provided by a certain company that is said to be fully capable of solving ad coming up with solutions with regards to any mathematical or numerical problems that are fed into it. The MATLAB assignment helps not only statistics but also other aspects that majorly require the use of mathematical equations and solving. Because of these software programs, statisticians are given more time to pay attention to other details of the data and leave the organization and the interpretation of it to the statistics software.
When traveling to Germany on of my favorite places to visit is Wetzlar, which is located in central Hesse. It features an amazingly well-preserved and restored Old Town (Altstadt), with historic plazas, a 13th century Cathedral (Dom) and scores of half-timbered houses.When staying in Wetzlar (Hesse, Germany) a definite must is biking, roller blading or just walking the many trails along the Lahn river. The scenery is beautiful and serene with meadows and wildlife (ducks and other birds) along the way. Another way to explore this area is by canoe. It is not that difficult to find a reasonable rental provider if needed for bikes or canoe.One tour we like to recommend is going towards Dorlar (to the east) and then continue all the way on that trail. Next village is Dutenhofen. There you can stop at the restaurant Zum Anker for lunch, which is located at a small lake (Heuchelheimer See.) They have nice outdoor seeing.This is a good restaurant we recommend there:Restaurant Zum AnkerCategory: German CuisineDutenhofener See, DutenhofenWhere to rent your bicycles:Krumme SpeicheKirchstrasse 535390 GiessenSpecial Travel Tip:There is a small road just for bikes along the Lahn river (also good for hiking.) You can access them from the southern part of Waldgirmes. Just drive towards the local public swimming pool (Geraberger Platz 1) – there is also a parking lot if you need to park your car. From there there are small roads that lead towards the Lahn river. You can go either way towards Dorlar (next village to the east), or Wetzlar (to the west.)This is an example of what you can do in the Wetzlar area while staying in Germany. On the Live Like a German site we collected many more Germany travel guides like this one – many of them written by local residents or Germany enthusiasts. They provide special insider travel tips which you can use during you Germany vacation.
This is the question that I hear more often than not as it relates to bank owned properties. I’ve personally had REO properties listed that have literally gotten 20+ offers submitted by perspective buyers. This article hopefully will explain the process of getting a bank owned property to the market, sold and closed.Depending on the state you’re living in the process will vary. Typically once the foreclosure process is officially started, It may take anywhere from 8 to 24 months for the bank to foreclose and take possession of the property. At some point during the foreclosure process the bank will assign an asset management company to the property. The job of the asset management company is to basically take the property from the foreclosure process, to possession and ultimately to closing.How the asset management companies do this is actually very interesting. As a side bar, banks are NOT allowed to sell real estate. Not even there own. You read correctly. Even though the bank can legally foreclose on a home, it can’t market the property itself.Ok, I’m back. Now, instead of working with real estate brokers (directly) on the local level where the property is located, the bank contracts with asset management companies to get the property through the system and sold. The asset management companies then contracts with the local brokers to walk the property through the steps. Below are the steps. Again, some states may vary. But the over all process is still the same. Keep in mind these steps have been drastically abbreviated. But you’ll get the point.1. The asset management company gets the property assignment from the bank and then assigns it to a local broker.2. Typically when the broker gets the assignment their job is to determine the occupancy status of the property. (Is the owner or tenant in the property?)3. If the property is found to be vacant the broker reports the status of the property to the asset management company.4. At this point the broker will attempt gain access to the property by having a locksmith change the locks on the doors. At this point the broker will generally take interior photos to document the condition of the property and complete a BPO (broker price opinion) this is basically a shorten version of an appraisal. The asset management company usually orders additional bpo’s from other brokers to confirm your estimation of value.5. Once the asset management company and the bank agree to a price the broker then completes the listing agreement with the asset management company and the property is put into the MLS (multiple listing service)Ok, so now you have a brief idea of what goes on behind the scenes of that. Once the property is on the market other brokers and agents request to show the property to their clients. Generally if the property is priced correctly for the market and its condition, it will receive more than a few offers. So now to the question… “What’s taking so long? Is my contract accepted?” Here are a few answers:1. Many banks will not allow the asset management company to review or accept an offer on the property for the first 15 to 20 days that the property is listed. That’s right. It’s bank owned, they want to sell it as fast as possible, but they won’t even entertain a offer for 15 to 20 days. Go figure! So guess what? The offers pile up during that period.2. Now when the 15 to 20 days are up the asset manager will review the offers. At this point. More often than not. There is more than one offer on the same property. So now the asset managers call for what’s known as “highest and best”. This means the listing broker has to call all the other agents and let them know that there are multiple offers on the property and that they need to inform their client to make their ‘highest and best” offer.3. Once the highest and best offers are submitted to the asset manager. They will then pick the deal they feel is best for their client. This is of course is based on offering price. But just as important is the ability to close. This step can take anywhere from 1 to 30+ days depending on the bank and the actual asset manager. The delay is usually because the offer has to go through the channels at the asset management company and then go through the channels at the bank. Then back to the bank and finally to the listing agent and then the selling agent and the buyer. I hope this sheds a little light on the process and what really goes on behind the curtain.