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Statistics Programming – Easing the Pain

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
• Mathematica
• OxMetrics
• Quantum (Programming Language)
• Programming Language, SPSS, Symbolic Data Analysis, Sysquake, SAS (software and language), Speakeasy(Computation), SHAZAM (Software)
• World Programming System
• XLispStat

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.

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Paying Utilities For REO Properties

I Want to List REO’s, but How Much will it Cost?I’ve written in the past about how to list REO’s for banks, but what many agents overlook are the related expenses that go along with carrying many REO listings.Listing REO’s can be very rewarding, but many agents neglect to plan ahead and understand that they will be paying utilities for REO properties that they have listed.This HUB will detail exactly what you can expect and give you some tricks and tips on how to not get in over your head as you start paying utilities for REO properties.What Types of Bills WIll I have to Pay for My REO Listings?Read this twice: It’s not just utilities and its not just while you have the REO property listed!It is incredibly important to understand the lifestyle of a REO listing as you start to budget paying utilities for REO properties. Most REO listings start out as “an assignment.” This means that the bank or asset manager have decided that you will list the property. However, many times the property is in no condition to be listed.To get the assignment ready to be put on the market, you may have to have one or more of the following services performed:
Trash Out (all debris, junk and left over belongings removed and hauled away)
Cleaning
Water shut off / Winterization
Pipe Repair
Lawn / Snow MaintenanceObviously these services are not free. What many agents fail to realize is that the banks expect you to pay for these services up front. Yes they will reimburse you, but it can take anywhere from 30 to 120 days.Once the REO Property Becomes a Listing…Once your REO assignment becomes a listing, most of the major costs have been paid for (trash outs, pipe repair, etc). Hopefully your client will reimburse you quickly.Now is when you need to make sure you are current on the REO listing’s gas, water and electric bill. In colder climates, If the heat gets turned off, the pipes will freeze and your home will never sell. If you have no electricity, buyers can’t view the home.Also, don’t forget that if you don’t stay current paying utilities for REO properties, they can become a lien on the home. If there is a lien on a REO listing that you are trying to sell, it can delay a closing substantially. That means you’re waiting even longer for your money.Tips for Paying Utilities for REO PropertiesNow that I’ve scared you out of the business, let me try and give you some tips for paying utilities for REO properties. This could save you thousands of dollars and help you avoid the huge cash drain that getting into the REO business can create.

Know Your Contractors: I can not stress this enough. If you have a good relationship with your services you can save a substantial amount of money for the services. If your contractors know they will get all of your business, their rates will be lower. If their rates are lower, you have less money that you are waiting to be reimbursed for.

Negotiate with Your Contractors: As you get into this business, you’ll be contacted by many service providers in every industry trying to earn your business. That’s great for your cash flow situation! Set up agreements with them that you will pay them immediately AFTER THE BANK SENDS YOU A CHECK. Even if its only $100, once you get up to 30 or 40 listings, that money adds up. If they won’t wait for the bank to pay you, offer to pay them half up front and half once you are reimbursed. As you get started listing REO’s and paying utilities for REO properties, don’t make the mistake of thinking you can carry the costs because “it’s only one listing.” Take a long term approach and think about every transaction multiplied by 40 listings.

Talk to your local bank: Many banks will be more apt to make a small business loan if you explain that the money will only be used for paying utilities for REO properties. If you can show them your client list, many banks will take that into consideration when factoring in risks. When they are lending against big name lending institutions and know that you will be reimbursed, its much easier for them to justify loaning you the money than if you were using it for marketing or business expansion.
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Do Not Settle For The First Car Insurance Quote You Obtain

If you are shopping around for a new motor vehicle, your purchase need to go hand in hand with acquiring a car insurance quote. As soon as you drive your new vehicle off the dealership’s floor you are at risk of getting in an accident or you can be hijacked on your way home, consequently you have to have your car insurance policy in place previous to getting behind the controls of your car for the very first time.There are many variables that would influence the car insurance quote that you will obtain. Causes such as your age, gender and driving history are all examples of such variables. The price of the car in question will also play a role, as will the number of nominated drivers on the vehicle.Never settle for the first car insurance quote you receive. Try to contrast and compare as many quotes as possible – no less than three or five. In case you are uncertain about the terms and conditions associated with your policy, make certain to discuss this with your insurance agent or insurance broker prior to signing your contract.One of the points that may perhaps result in a lower car insurance quote is opting for a higher excess amount. An excess amount is essentially the difference between the price for repairing your vehicle and the amount that the insurance company is willing to pay. Say for instance you must repair your bumper after a small accident and the repair price is R10 000. The insurance company agrees to pay R8 000. Your excess amount (payable by you!) is then R2 000. The greater your voluntary excess amount, the lower your associated premiums (usually!). Just be careful that you do not pick such a high excess amount that you would not be in a position to honour the payment when it is time to put in a claim!Also keep in mind that your car insurance quote will typically only give you an indication of your first year’s premiums. An essential issue to remember is that your insurance premium is likely to increase on a yearly basis. You might be thinking that this is not making sense, as the value of your car is in fact decreasing year after year and thus the insurance providers’s subsequent risk is lower. On the one hand that is true, but remember that the cost for repairing your vehicle (parts and labour) increase every year and insurance firms have to cater for this increased cost by increasing your premiums.Often times an insurance business will provide a car insurance quote, but your insurance policy will only be activated as soon as you’ve taken your vehicle for an inspection. These inspections are necessary as insurance firms must make certain that you are not trying to insure a car with an existing problem and that all the security features (such as an alarm system, immobilizer etc) stipulated on the contract are indeed in place.Obtaining a car insurance quote is really not difficult. Research your options, compare a couple of quotations and make an informed decision.

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