fabiochiu/medium-articles huggingface dataset:
Launch of the 2019 SDG Gender Index
Tags: Gender Data, Gender Equality, Sustainable Development, Advocacy, Events

Equal Measures 2030 (EM2030) is excited to share the new 2019 SDG Gender Index hosted on the Gender Advocates Data Hub. The index is the most comprehensive tool available to explore the state of gender equality across 129 countries, 14 of the 17 Sustainable Development Goals (SDGs), and 51 issues aligned to the SDGs.

The 2019 SDG Gender Index was presented at EM2030’s side event 4 June at the Women Deliver 2019 conference (WD2019) in Vancouver, Canada. With speakers from both the private and public sector, and gender equality champions from many different parts of the world, the evening was truly inspirational.

“Too often, women and girls are invisible, with no data or sexist data on the issues that disproportionately affect their lives […] Don’t let this report sit on a shelf. If we’re gathering this data, we should darn well use it,” said Melinda Gates, co-chair of the Bill & Melinda Gates Foundation, during her key note.

The index findings show that the world is far from achieving gender equality, with 1.4 billion girls and women living in countries that get a “very poor” grade on gender equality. The global average score of the 129 countries — which represents 95% of the world’s girls and women — is 65.7 out of 100 (“poor” in the index scoring system). No one country is the world’s best performer — or even among the world’s top ten performers — across all goals or all issues.

“We need a way to hold governments to account, and we need data with a soul,” highlighted Anne-Birgitte Albrectsen, CEO of Plan International.

Explore now the Gender Advocates Data Hub and the 2019 SDG Gender Index, with data visualizations powered by Tableau, stories, tools, and country-, region-, and issue-specific resources for and by advocates.

Go to the Gender Advocates Data Hub

Photos from the launch event
Mental Health, SDG 3, and Advocacy Fatigue: An Advocate’s Guide
By: Advocacy
Tags: Mental Health, Advocacy, Activism, Global Health

By Julie Choi, Ana Lipton, Kathryn Ng Ross, and Kayleigh Thompson | UNA-NCA Advocacy Fellows

Download the Guide here.

This toolkit seeks to assist advocates of all ages and experiences to better understand the importance of good mental health through information and practice.

Through discussion of mental health in the context of the United Nations Sustainable Development Goals, this toolkit evaluates the UN’s role in protecting mental health as well as general recommendations for better mental health practices.

The toolkit includes an in-depth discussion on what mental health, mental illnesses, and mental disorders are, how they affect the physical body, and what barriers certain marginalized communities face when it comes to mental health treatment.

After this discussion, this toolkit outlines general strategies to recognize the signs of “Advocacy Fatigue,” or burnout from consistent exposure to injustice, before offering basic coping strategies, activities, and resources that an advocate can utilize.
Rod’s White Ute: A Lesson in Humility and Inclusion
By: Ashlee Manthey
Tags: Advocacy, Humility, Lessons Learned, Inclusion

In Rod’s words, his ute reminds him of the world he lived in when he was younger. The Australia then really frowned upon people ‘big-noting’ through their cars. Like it was considered shameful to be a big noter and to show off with a flash car”.

This ethos is something Rod sticks to. “I keep to it. I don’t need a flash car, I’ve just got my ute.”

Humility is a concept that a lot of people are probably familiar with, but it often gets misconstrued as thinking less of oneself, or prioritising other people’s needs over one’s own. That’s actually not true at all. In fact, a few traits of humble people that come to mind are self-confidence, kindness, gratitude and awareness.

People who adopt humility recognise the success, knowledge and value of everyone around them because they know they themselves are not always (if ever) the expert, and that’s okay. A society full of humble people would care for each other and be open minded to each other’s experiences.

In Rod’s role he focuses on listening to other people talk and learning with them, rather than trying to make an impression; much like his ute, it’s not about being flash, but rather getting around and engaging with people.

Humility is important because how can we learn at all if we don’t listen to each other and hear what they are saying? We can’t.

One of the key quotes that came out of this interview was “your way of seeing and hearing is incredibly flawed and yet incredibly compelling”.

We need to see what other people see, and hear what other people hear if we are to learn how we as a society can help the people that need it most.

And this is where inclusion comes in.

“Inclusion is about humility…about really loving the gifts & ideas & the thoughts & the contributions that other people make.”

Questioning our own views, learning from each other, loving each other — that’s being inclusive.

Get around, talk to people and do kind things, you don’t need anything flash for that and Rod’s white ute is proof of that.

There’s lots to learn out there, I mean, who would’ve thought that one old farm truck could tell us all that?

We can all learn something from Rod’s white ute. Go watch the full interview here: https://youtu.be/1-XeoVccUi0
The Ultimate Guide to Clustering Algorithms and Topic Modeling
By: Zijing Zhu
Tags: K Means, Unsupervised Learning, Clustering Algorithm, Topic Modeling, Machine Learning

Metrics for K-Means

How to determine the goodness-of-fit for clustering models like K-means? The answer to this question is important for finding the best fit model during the iteration steps and plays an important role in helping researchers decide the number of clusters. The most used metrics for clustering algorithms are inertia and silhouette.

Inertia

Inertia measures the distance from each data points to its final cluster center. For each cluster, inertia is given by the mean squared distance between each data point X_j ∈ Ck and the center 𝜇𝑘:

After summing up inertias from all clusters, the total inertia is used to compare the performance of different K-Means models:

By the definition of inertia, it is clear that we need to choose the model that minimizes the total inertia.

Silhouette Coefficient

The silhouette coefficient is another metric that can be used in clustering algorithms. For each data point X_j, it calculates the average distance between X_j and all other points in the same clusters. Let’s define it as a_j. Then it looks for X_j’s next nearest cluster (the second-best cluster to classify X_j) and calculates the average distance between X_j and all points in this cluster as b_j. The silhouette coefficient for point X_j is:

From the equation above, we can see the silhouette coefficient is between -1 and 1 depending on how which one is larger, a_j or b_j:

If b_j is larger than a_j, it means the model has clustered X_j into the best cluster. The larger the b_j compared to a_j, the better the cluster. Otherwise, when a_j is larger, it means this point should probably be in the other cluster. The larger the a_j compared to b_j, the closer the value to -1.

The silhouette coefficient gives information about how tightly each cluster is when calculating its average for all data points in the clusters. It measures the model performance when calculating the average silhouette coefficient for all data points.
Implementing the K-Means and Agglomerative Clustering Algorithms
By: Aakash Pydi
Tags: Data Mining, Machine Learning, K Means, Clustering

I implemented the k-means and agglomerative clustering algorithms from scratch in this project. (Link to Github Repo of Source Code) The python script in the repo uses the yelp dataset. Yelp Dataset Link. I verified the correctness of the implementation using the SKLearn implementations of these algorithms.

Here is some analysis I carried out to understand and compare the two algorithms. Four attributes are used to carry out the clustering in this analysis (latitude, longitude, reviewCount and checkins).

Comparing K-Means vs Agglomerative Clustering Along Two Dimensions (K Value = 3)

Understanding Which Dimensions are Driving the K-Means Clustering Model (K Value = 4)

From the plots above, its evident that the dimensions reviewCount and Checkins are driving the clustering model. We can make this inference from the clear, and well-defined pattern of the clusters in the reviewCount vs Checkins 2D plot.

The reason for this has to do with how we use the Euclidean distance for the similarity metric in K-means clustering. It should be self-evident that the dimensions with much higher values (and range) are going to affect the final distance more than the dimensions with much lower values (and range)

Observe that in the yelp data set, the reviewCount and Checkins values are MUCH higher than the latitude and longitude values. So the result is that those dimensions affect the similarity metric substantially more than the rest. Since we use the similarity metric to evaluate the clusters, it makes sense that the clustering model is driven more by the dimensions, checkins and reviewCount.
Choosing the number of clusters in KMeans using different methods
By: Ashish Upadhyay
Tags: Elbow Method, K Means, Machine Learning, Silhouette Score

1.Elbow Method

The Elbow method is the most commonly used method in deciding the number of clusters in the KMeans algorithm. It is a score defined as the distance of intra-cluster distance relative to the inner-cluster distance for different ranges of the number of clusters.

If you plot the score with #clusters then you will see a “hand-like plot” and you should choose the number of clusters at that point where you can see the “elbow-like bend” of that “hand-like plot”. In other words, you should choose the number of clusters at that point where the plot makes a gentle sharp turn.

2.Silhouette Coefficient Method

This method is more accurate than the Elbow Method. It is calculated using mean intra-cluster distance and mean nearest-cluster distance for each data point. The mean intra-cluster is the average of the distance between clusters’ centroid and the mean nearest-cluster distance of a data point is the distance between the data point and the cluster’s centroid that the data point is not part of.

It is a better metric to choose the number of clusters for the KMeans algorithm. We should choose the number at that point where the Silhouette Coefficient drastically decreases.

Which method is used when?

Now, you know the general intuition of both methods but when you should use which method? When the noise in the data set is large or the variance of the dataset is large such that the data points overlap with each other then you should use the Silhouette Coefficient Method otherwise use the Elbow Method.

So, let’s understand with an example:

First, let’s import the library, load the data and visualize it:

The data will look like this:

blob dataset with 3 centers

As you can see that the variance of the dataset is high.

Now let’s store the elbow score and silhouette coefficient in a separate list for different range of n_clusters .

Now, first plot the elbow score:

We get the plot as:

Elbow method

As you can see, We can’t get the accurate point where we can see a gentle bend in the plot. The plot says that we should choose 3, 4, or 6 for #cluster but it does not accurately point out a single number.

Similarly, if we plot the silhouette coefficient curve then we get:

Silhouette coefficient

Now, if we at the Silhouette plot then we can say that we can choose n_clusters=3 but you could also that we can choose n_clusters=13 . So, let’s choose n_clusters=13 and see the result in a plot:

The plot is as:

n_clusters=13 Plot

As you can see that at n_clusters=13 there is a cluster that contains only 3 points which are not good to count as a cluster. That is why we should choose n_clusters=3 for this problem.
K-means clustering: find my tribe!
By: Shuo Wang
Tags: K Means, Python, Data Science, Algorithms, Machine Learning

What is K-means clustering?

Find hidden information

At its core K-means clustering is an algorithm that tries to categorize sample data according to certain rules. If our sample data are vectors of real numbers, the simplest criteria is the distance between the data.

Suppose I have 4 sample data points in the two dimensional space:

(0, 0), (0, 1), (0, 3), (0, 4)

Data points: (0, 0), (0, 1), (0, 3), (0, 4) (Image by Author)

and suppose I know that I have two groups, how do I find the center of the two groups and the member data points of each group?

First step is to pick two starting points for each of the groups. In this example, it’s quite easy to simply eyeball and, say, pick (0, 0) as starting point for the first group and (0, 3) as starting point for the second group.

But let’s not do that, since that would make this example too easy.

Suppose I actually picked (0, 0) and (0, 1) as starting points, (0, 0) represents group 0, (0, 1) represents group 1. Next step is to assign the four data points to each of the two groups. We do this by calculating the distance of the data points to each of the groups and assign each data point to the one that’s closest.

Starting with data point (0, 0), its closest point is obviously (0, 0), with distance 0, so data point (0, 0) is assigned to group 0. Moving on to the second data point, (0, 1), it’s closer to group 1, so assign it to group 1. After going through every data point, we have:

group 0:

data points = (0, 0)

group 1:

data points = (0, 1), (0, 3), (0, 4)

Now that we have assigned data points to each group, the mean of each group needs to be updated. The mean of group 0 remains unchanged at (0, 0), but the mean of group 1 is now:

mean of group 1 = [(0, 1) + (0, 3) + (0, 4)] / 3 = (0, 2.333...)

And we have our new groups:

group 0:

mean = (0, 0)

group 1:

mean = (0, 2.333...)

But now that we have updated the group means, the data points for each group needs to be reassigned to make sure they are still closest to their group mean:

(0, 0): closest to (0, 0)

(0, 1): closest to (0, 0)!!

(0, 3): closest to (0, 2.333...)

(0, 4): closest to (0, 2.333...)

Notice now that point (0, 1) is no longer closest to the mean of group 1, so it needs to be reassigned to group 0:

group 0:

data points = (0, 0), (0, 1)

group 1:

data points = (0, 3), (0, 4)

Alternating between assigning data points to groups and updating group means, we eventually reach a stable state where no data point switch groups anymore, and that is our final K-mean clusters:

group 0:

mean = (0, 0.5)

data points = (0, 0), (0, 1)

group 1:

mean = (0, 3.5)

data points = (0, 3), (0, 4)
Building a Winning Team with Bill Allen
By: Sharon Vornholt
Tags: Real Estate Market, Real Estate Investments, Real Estate, Podcast, Investing

One of the reasons real estate investors get stuck doing just a few deals a year is that they stay a “one-man show” way too long. Building a winning team is a process, and that’s what we’re going to talk about in this show. My guest today is Nashville investor, Bill Allen, and that’s where Bill found himself 5 years ago. He was doing just a few deals each year and doing all the work himself. Today, he has grown a large team that allows him to do over 200 wholesale deals a year. but it didn’t happen overnight.

Bill scaled upon hire at a time. In this show, you’ll discover how he now has a “winning team”, and why skills aren’t necessarily the most important thing to look at when you are hiring.

Show Notes

This show is a little longer than normal, but it has so much information on how to build a successful wholesaling business that runs without you cannot afford to miss it! Here is just some of what we went over:

Transitioning from Navy pilot to full-time investor

Why Bill left Florida to start a new business in Nashville, TN

The journey from doing a few deals a year (and doing a lot of the work himself) to growing a wholesaling business that does over 200 wholesale deals a year.

Coaches and mentors; the importance of investing in yourself and the role those people played in growing the business he has today

Building a winning team one person at a time

Hiring mistakes and how to avoid them; what Bill has learned over the years.

His actual hiring process today

Whether you should hire on the basis of skills

The advice Bill would give anyone that wants to scale their business

Don’t forget to get your copy of my “ Quick Start Marketing Plan Template “ right here on the blog.

Want to Listen to the Podcast?

You can do that on the Louisville Gal’s Real Estate Blog here.

Rather watch?

Here’s Your Video — Building a Winning Team with Bill Allen
MANASSAS OPEN HOUSE: Gorgeous Manassas, VA Home for Sale Under $500,000: 5637 Assateague Place
By: Carolyn Capalbo
Tags: Open House, Manassas Va, Real Estate Investments

Here’s another hot property for sale in Manassas VA.

This wonderful 4 bedroom 3 and one half bath single family home in the Ashland community of Manassas is bound to please. Fresh paint, new stainless steel appliances, new flooring, and refinished flooring greet you in this move-in ready beauty. This home offers a fully finished basement with walk-up exit, spacious deck, 2 car garage, and fenced in backyard. The main level offers formal living, formal dining, sunroom, cook’s kitchen with double wall oven and island, family room, and powder room. The upper level features 4 comfortable bedrooms and 2 full bathrooms. The recreation room is huge and offers a nook ideal for a wet bar and a full bathroom. Hurry, hurry, hurry! This home is getting attention! Perfect for growing families and even a great investor opportunity.

Investors, this home should lease for $2700 per month! After operating expenses, anticipate a cap rate at 5.2% before tax advantages or appreciation. If financed with 25% down payment at 4% interest, without appreciation, looking at a 17.5% return. If considering depreciation and appreciation the financed return is 29.5%!

Open House is scheduled for Sunday 2/23/20, from 1 pm to 4 pm.
Different Types of Real Estate Investments
By: Norman Shelley Hernick
Tags: Real Estate Investments, Entrepreneurship, Real Estate, Norman Shelley Hernick, Investing

With the real estate market on the rise all across the country, you should definitely be considering real estate as a potential investment. While it can be expensive to make your initial leap into the world of investment properties, barring a market crash, real estate is one of the most secure and most profitable investment opportunities that you can add to your portfolio. Don’t fall into the trap that real estate investing is limited to house flipping, demo days, and ship-lap. Here is a quick look at some of the different areas that you can invest in if you’re considering real estate.

Residential

While this is the most common thing that comes to mind when many people think about real estate as an investment, there are a lot of different options that fall under the residential umbrella. While house-flipping (fixing up and then selling or renting a home) is an excellent place to start, the idea of purchasing a vacation home also falls under residential investment property. You may also want to consider purchasing a multi-family unit that will generate more income per month than a single-family house. These can include anything from a duplex to an apartment complex. Knowing what the market looks like in the town or city that you’re considering is key in any investment, but especially in residential investing. If the geographical location is predominantly filled with renters, you will need to plan on servicing renters. Know the market.

Commercial

While intricate, commercial real estate is proven to be one of the highest revenue options in real estate investing. Commercial investments include a wide variety of options such as office spaces, shopping centers, and even hospitality options. Commercial real estate is great not only for the investor who is looking to generate a higher amount of income from their investment but also for the investor who wants to make an economic impact on their community by attracting businesses.

Raw Land

Raw land as an investment is pretty much limited to an area that is experiencing quick growth in population. Depending on zoning regulations, you may be limited on using the land for residential or commercial usage, so be sure you contact local zoning boards.

Keep your options open, study the market, and make the investment that is best suited for sustained success.

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This article was originally published on normanshelleyhernick.com
Three Books Every Real Estate Investor Should Read
By: W Darrow Fiedler
Tags: Real Estate, Real Estate Investments

With so much time, money, thought, and care that goes into real estate investing, it’s best to stay on top of the latest news. In order to do this, however, you need to have a solid foundation on just what it means to be a real estate investor, how to build wealth, and so much more. The books below are some of the best books of all time on the subject. If you’re just starting out or have been in the industry for decades, you will without a doubt find many useful and essential pieces of information to get you started and to keep you going at full force.

The Book on Rental Property Investing by Brandon Turner

This book goes into great depth about the basics of real estate investing. Covering topics such as determining a good rental, buying property, finding reliable tenants, and common mistakes to avoid, this book covers every major aspect of the industry to set you up for success. Not only does the book give lots of useful information, it also provides actual strategy and tools to use to begin generating income from your rental properties.

Retire Early with Real Estate by Chad Carson

Have you ever thought about retiring early? Most people have, but that requires a steady income over time which real estate can provide. This book provides step-by-step walkthroughs on how to achieve financial freedom through your investments in real estate. The book takes its guides a step further by providing multiple real-life scenarios and how those investors were able to accumulate enough wealth to retire early.

Real Estate Investing Gone Bad by Phil Pustejovsky

This book is essentially a guide of exactly what not to do when investing in real estate. The book is comprised of 21 real-life stories about different mistakes investors made along the way and how to avoid them. Hindsight is always 20/20, so learning from another person’s mistakes can bring valuable knowledge to help prevent yourself from making the same ones.
What to do if you can’t sell your home
By: Lauren Dominick
Tags: Real Estate Investments, Selling A Home, Real Estate, Sales, Business

A lot of people don’t understand why they had trouble selling their home.

There isn’t a one size fits all answer to this question. There are a lot of factors that go into it.

Most times people are quick to jump to price and we do often find that this can be a reason.

Remember, price reflects what buyers are willing to pay for your home.

The buyers set the price.

Not the sellers.

Not the agents.

The market sets it for them.

As agents, we can tell you what the majority of buyers are willing to pay based on data.

Sellers are quick to jump to the conclusion that the agent that they are working with is undervaluing their home. Agents are just telling you what they suggest the value is based on the market numbers.

Price always comes into play.

Price comes into play with the sale of any type of product or service.

It’s always a factor in any type of sale.

There are also a lot of smaller factors that can affect a sale.

Amount of homes currently on the market

Current mortgage rates

Tax proposals in your market

Your agent should be able to sit down and tell you what factors are affecting the sale of your home. They should be getting feedback from other agents.

There isn’t a single answer, but if your agent does some digging they should be able to tell you why your home isn’t selling and what can be done to fix that.
What is cap rate and why is it important
By: Riaterra Marketing Team
Tags: Real Estate, Vacation Rental, Real Estate Investments

Capitalization rate, better known as cap rate, is the rate of return on a real estate investment.

While cap rate does not consider the impact of mortgage financing, a general rule of thumb is whether the cap rate is above or below the interest rate. If the cap rate is greater than the interest rate, you’ll generally come out ahead. If the cap rate is lower than the interest rate, you’ll be relying on appreciation for your return, making it a riskier speculative investment.

How to calculate cap rate

The formula for cap rate is simple:

- income, less expenses, divided by the purchase price.

On a long-term rental, multiply the monthly rental rate by the number of months per year you expect the property to be rented. In areas with healthy rental markets, 11.5 months is usually a good rule of thumb, as that assumes the property will be vacant for one month every two years.

How do you estimate rental earning potential when determining cap rate?

RIATERRA offers a vacation rental income calculator that analyzes millions of data points about the market and specific vacation home you’re considering, to forecast your earning potential.

After we reach an appropriate value, the next step in figuring the cap rate is to subtract your anticipated annual rental expenses and operating costs.

Ready to get started?

Complete our Prospective Buyer Form to connect with a RIATERRA real estate expert today.
Why invest in U.S. Real Estate
By: Advanced Crypto Investing
Tags: Real Estate Market, Passive Income, Real Estate Investments, Cash, Investing

Thinking about investing in real estate but not sure what profit you may get? Here are some benefits:

If investors choose well assets, they can benefit from passive income and predictable cash flow;

As well as attractive returns, tax advantages, and diversification.

It is a good start for new investors to plan long-term goals to cover needs in retirement, college spending, or earning residual income.

Passive income and predictable cash flow

Cash flow is the passive net income when mortgage payments and operating expenses have been made. In addition, the National Association of Realtors said that since 1968, the appreciation level in real estate investment is 6% per year which provides positive leverage. It is the use of borrowed capital to increase the potential return of an investment. In real estate transactions, leverage occurs when a mortgage is used to reduce the amount of investor capital required to purchase a property. Also, real estate is a self-sustaining asset during retirement. [1] [1.1]

Tax advantages

Investors in real estate can take advantage of numerous tax breaks and deductions that can save money at tax time. Basically, there can be a deduction in the cost of owning, operating, and managing a property. [1.2]

Diversification

Another benefit of investing in real estate is its diversification potential. Real estate has a low correlation with other major asset classes. It means, when stocks are down, real estate is up. Real Estate to a portfolio can lower its volatility and provide a higher return per unit of risk. [1.3]

COVID-19 pandemic impact

Based on Statista the second quarter of 2020 raised unemployment and a global recession. Due to an economic standstill with tax reliefs and low residential mortgage rates, demand for housing increased and led to higher housing prices. According to the Federal Reserve Bank of St. Louis, the median sales price for new houses sold has reached $372,400 in April 2021 raised by 120,09% compared to 2020.

Definitely, the prices may be affected not only by the economic situation but by various factors such as loans, mortgage, region, and neighboring cities [4] Furthermore, when a rise in housing appears, a fall in affordability and income takes place. [5]

U.S. Economic Outlook: May 2021

More about real estate trends

Also, NCREIF is the leading provider of investment performance announces that Property Index return may exceed 2.61% annual return in 2021

Conclusion

To sum up, real estate is a valuable asset for investing with stability and covering long-term goals. It can enhance the risk-and-return profile and volatility through the diversification of an investor’s portfolio. Investing in real estate provides attractive returns, tax benefits, passive income with predictive cash flow. Nevertheless, you should be informed as with any investment. Thus, make sure to research before making any decisions..

What benefit of real estate investment do you like?
Unfold the surprises offered by the Pre-ICO sale of CREIT
By: Creit Official
Tags: Real Estate Investments, Preico, ICO, Cryptocurrency, Creit

Customer admiration has always been part and parcel of the real-estate nexus. Holding land-based and allied assets is considered a life-long goal, and people across the globe tend to channelize their earnings and wealth towards owning real estate assets. This long-term ideology brings down its real-time relevance and viability and has hampered its image as a performing asset such as currencies, gold, mutual funds, etc. What if an ingenuous technology-based concept can banish the entire range of limitations and open the market on a universal scale? A solution that digitizes real-estate assets and can be traded across the globe without the clutches of regulations?

CREIT is your unanimous answer!

CREIT is an all-encompassing crypto-based real estate investment trust that leverages the massive potency of blockchain and the tremendous adoption of cryptocurrency to offer investors an exceptional way to invest in the highly remunerative real estate space. In a nutshell, it eliminates the whole gamut of gregarious restrictions and paves the way for non-US nationals to hold and trade commercial real estate in the United States.

What is a pre-ICO sale?

A practice undertaken by crypto projects before kick-starting initial coin offering to distribute cryptocurrency at a specific price to the interested parties. It is a process that is considered to mutually benefit the project and the token/coin buyers. It offers the much-needed funds to the crypto project, and investors get tokens that are gonna be worth millions of dollars in the future.

CREIT’s Pre-ICO sale has been launched, and investors are showing a great response. Therefore, it can be one of the greatest opportunities for investors to invest in the futuristic CREIT coin;

Why invest in CREIT coin;

The CREIT coin is a functional coin.

Investments made through CREIT will be represented by the CREIT coin, a utility token for shareholders.

The CREIT coin represents the client’s holdings and is directly linked to the value of their investment.

The CREIT coin is an ERC-20 token built on the Ethereum blockchain network.

It is a standard in the industry and a highly reliable utility token type that offers many benefits for the investor.

It will be available throughout the globe without any geographical restrictions

One CREIT coin will represent one share

One can use the CREIT irrespective of their nationality

It can be easily deposited and withdrawn from a wallet

Hassle-free transaction because of ERC-20 token

The CREIT coin is being sold at a curtailed price of $0.25. It was launched on 23rd June 2021. Token Name is Creit, token symbol: CREIT, token Decimal: 12, and a total Supply: 100,000,000.

Bottom line;

Take this ladder of CREIT investment with you to invest in the real estate market of America, where liquidity is not even a question. Take a few baby steps by registering yourself in the pre-ICO sale of CREIT, which is live now!

Register here: https://www.creitglobal.com/
4 Top Ways To Make Money In Real Estate — Equity — Real Estate — Realtor
By: Daniel Joseph
Tags: Real Estate, Realtor Near Me, Make Money In Property, Real Estate Investment, Realtor Websites

1. APPRECIATION:

To make money in real estate, the good news about it is if you look at what has happened to values over time, they tend to go up in value. There are some people don’t know what to invest in, what they do is they take their cash and they hold it and they put in the bank or they put under their pillow.

Cash is one of the worst and most hated investments of all time, why? Because our $ is not perfect in the market, It has a history of going down more than 3% every year, which means for every hundred of thousands dollar you have in the bank, you are loosing over 3000 a year, just by keeping it in cash, which means anything you put your money in need to be able to grow in value intend of losing value. So real estate is the amazing edge because it’s outpacing inflation.

2. Real estate is an investment that produces cash flow:

This is true, because when you, for example, let’s say you get a single family home and ruing it out for $1500 and maybe $200 for repair $1000 obligation to the bank every month and now you have $300 positive cash flow every month from that property,

3. Make money through Commission or Management Fees:

If you want to play a real real estate game, you will want to have realtor license, a loan officer license, title license, You can earn more money when you have one this license. which means when you buy a real estate property, there is a room for a double dip. Double dipping is very cool in real estate.

4. Equity:

Which is the money you buy on the property, you get it in discount. If I have a real estate deal that I am doing that worth $100k, and ii get it for $80k, then I buy it 20% below market, which supposedly means $20k below market, that $20k is equity.
Multifamily Market Outlook Panel: Inflation, Lumber Prices, Risks & Opportunities
By: Minja Yan
Tags: Commercial Real Estate, Real Estate Investments, Housing, Real Estate, Real Estate News

“Cap rates are getting compressed almost on a week to week basis. People are buying value-add multifamily deals almost like they’re buying a bond, which I think it’s a short-sighted to say the least. Cap rates on new development really haven’t compressed, meaning that untrended yield on cost that a LP investor wants to see on a new development really hasn’t compressed that much. They are sticking to their parameters.

At least from the equity investors. We talked to a lot of private equity, equity investors. And what you have to realize about private equity and equity investors is that they have a host of their own investment investors that they have to answer to. And when they stated a thesis and what they’re going to achieve, they got to do that or they don’t raise fund two or three or whatever their next fund is.

On yield on cost, an LP investor wants to see, in my experience, a 6.5% to a 7% untrended yield on cost for a new development in order for them to say that risk premium of call it two basis points over cap rate of buy in a product right now makes up for the additional risk of doing new development.

And I haven’t seen that come down, even though cap rates for existing multifamily stock have compressed beyond an average of five. I’ve seen stuff trading at, some for which, you know, I’m not even sure how you pencil that.

But I think a lot of people are buying stuff at cap rates at sub four are doing interest only loans for three years. It’s some sort of value add play, and they’re hoping that they’ll get in, do the program, and flip it. And the cap rates will stay, you know, compressed and there’ll be out of it.”

- Jackson Stith
Luxury Sales Specialists
By: John Dean
Tags: Vacation Rental, Real Estate Investments

“The Dean Agency is a resource for quality information and analysis. We believe that a well informed owner or investor is our best client. We seek every opportunity to add value to your real estate investments, even if you didn’t buy it through our firm. You can benefit from the experience we have gained in almost $80 million in sales. Thorough attention to details and respect for deadlines on our part allows you to focus on your goals at all times. Build a relationship with a firm that believes in informing and guiding our clients towards long term success. In serving you and your family, The Dean Agency understands that professional excellence is born of exceeding, not meeting, expectations from our clients.”

Empower yourself with our unique research and analysis! How can we assist you? As an owner your questions are unique, please share them with us. Team up with specialists in coastal resort property, even if you don’t plan to sell right now. In whatever way we can, we’ll keep you informed of market activity of interest to you. There is no substitute for thorough market and inventory knowledge. Our approach is refreshingly informative; access a wealth of local experience with all types of real estate! We love what we do, so serving you with enthusiastic professionalism comes naturally. See you at the beach!

Outer Banks Luxury Market Report

The report you requested was prepared with data ending July 2013. Let us know if you have a question we don’t cover. Whether you rent your home or not, have this complimentary report to compare the statistically average home to your property. Clients ask about adding a pool or buying a rental home with no pool so we included a quick look at the economics of common amenities. If you have considered a sale or wondered about value this report should help with that. Don’t hesitate to call with a question. How this Luxury Report works for YOU, the owner.  Use the averages we present to compare your home’s vital statistics  Establishes the average value of common amenities — swimming pools and game rooms in rental operation and resale  Graphics for village market share and distribution of luxury rentals using years of local sales data.  The report will be useful to either a buyer or owner of the best on the Outer Banks Luxury Homes in this report are defined as selling for $500,000 and up in the vacation areas and generating at least $20,000 income. Properties that are generating appreciable income are still in demand. In demand and in short supply; especially a property that is sold within 7%-10% GROI, (gross return on investment). If selling has been a consideration, I’ll put together the latest market update and a current evaluation of your property. If you don’t plan to sell anytime soon please don’t hesitate to call me or email for general information. Whenever you are looking for information on the market conditions or sales that may affect your values, I’m happy to help. Thank you for taking time to review our Luxury Home Report.

John Dean, Qualifying Broker, REALTOR The Dean Agency
Sum Root to Leaf
By: Abhinay Gupta
Tags: Data Structures, Trees, Binary Tree, Coding, Coding Interviews

Sum root to leaf numbers

You are given the root of a binary tree containing digits from 0 to 9 only.

Each root-to-leaf path in the tree represents a number.

For example, the root-to-leaf path 1 -> 2 -> 3 represents the number 123 .

Return the total sum of all root-to-leaf numbers. Test cases are generated so that the answer will fit in a 32-bitinteger.

A leaf node is a node with no children.

class Solution {

int rootToLeaf = 0;



public void preorder(TreeNode r, int currNumber) {

if (r != null) {

currNumber = (currNumber * 10) + r.val;

// if it's a leaf, update root-to-leaf sum

if (r.left == null && r.right == null) {

rootToLeaf += currNumber;

}

preorder(r.left, currNumber);

preorder(r.right, currNumber);

}

}

public int sumNumbers(TreeNode root) {

preorder(root, 0);

return rootToLeaf;

}

}

Sum of Root To Leaf Binary Numbers

You are given the root of a binary tree where each node has a value 0 or 1 . Each root-to-leaf path represents a binary number starting with the most significant bit. For example, if the path is 0 -> 1 -> 1 -> 0 -> 1 , then this could represent 01101 in binary, which is 13 .

For all leaves in the tree, consider the numbers represented by the path from the root to that leaf.

Return the sum of these numbers. The answer is guaranteed to fit in a 32-bits integer.
217. Contains Duplicate — LeetCode(Python)
By: Palash Sharma
Tags: Python, Leetcode, Algorithms, Interview, Coding Interviews

I got you!

Problem:

Given an integer array nums , return true if any value appears at least twice in the array, and return false if every element is distinct.

Example 1:

Input: nums = [1,2,3,1]

Output: true

Example 2:

Input: nums = [1,2,3,4]

Output: false

Example 3:

Input: nums = [1,1,1,3,3,4,3,2,4,2]

Output: true

Constraints:

1 <= nums.length <= 105

-109 <= nums[i] <= 109

Solution:

class Solution:

def containsDuplicate(self, nums: List[int]) -> bool:

dic = {}

for n in nums:

if n in dic:

return True

else:

dic[n] = 1

return False

Explanation:

We create a dictionary that stores all numbers in the array nums as keys and the values of these keys correspond to the number of times the key is present in the array.

If the key is not already present in the dictionary, we add it using:

else:

dic[n] = 1

If, however, the key is already present in the dictionary, this means that the number is repeated in the array. And thus, we return True:

if n in dic:

return True

Time and Space Complexity:

Since we need to iterate over the array nums once, the time complexity would depend on the length of nums, and would do so, linearly.

Since we store every(almost) element of the array nums in a dictionary, the space required is also a linear function of the length of the array nums.

Thus, if n is the length of the array nums,

Time Complexity: O(n)

Space Complexity: O(n)

Optimized Solution:

return not len(set(nums)) == len(nums)

This would see if the length of the array passed to the function is the same as the length of the set of all unique elements in the array. If it is, this means there are no repetitions, and opposite otherwise.

The time and space complexity is the same as above. This solution was just optimized in terms of lines of code.
Trailing Zeros of A Factorial With Legendre’s Formula
By: Pranav Ahluwalia
Tags: Computer Science, Number Theory, Mathematics, Leetcode, Coding Interviews

Legendre’s Formula

There is a theorem in number theory known as Legendre’s Formula. It states that if N is a positive integer and p is a prime number, then the highest power of p that divides N! is given by the following formula

Translating math to english this reads “The highest power of p that divides N! is the infinite sum of the floor of N divided by p to the current exponent”

We know that the infinite sum will eventually reach a terminal value of 0 as at some point, we will reach a large enough exponent for p that the result of dividing n by p raised to i is less than 1. And taking the floor of any value less than 1 will give us 0. Therefore, we do not need to worry about adding up an infinite amount of quotients unless our N is astronomically large.

Adaptation For Trailing Zeros

This formula will allow us to determine the highest power of p in N!. But what about non-prime values? We can take the prime factorization of our target number and run separate instances of the function. Since 10 is the product of 2 and 5, we can simply take the minimum value returned by running the formula on 2, and then 5.

But, knowing that powers of 5 will always be larger than powers of two, the number returned by Legendre’s formula for 5 will always be smaller. Therefore, we can dispense with the minimum function altogether and simply find out how many exponents of 5 divide into the factorial. This will give us the number of trailing zeros.

Example Problems

Trailing zeros in 100!

We have 24 trailing zeros in 100!

Trailing zeros in 95!

We have 22 traling zeros in 95!

Trailing Zeros Coding Question

Suppose we want to write a program to find the number of trailing zeros in n!. We can simply translate our algorithm into code. We will use a while loop to iterate until the floor of our number divided by 5 to our current exponent yields zero. While iterating we will track the sum and return it upon termination. Leetcode features this exact question.
LeetCode: Container With Most Water (Brute Force)
By: Trush Patel
Tags: Coding, JavaScript, Leetcode, Coding Interviews

Given n non-negative integers a1, a2, ..., an , where each represents a point at coordinate (i, ai) . n vertical lines are drawn such that the two endpoints of the line i is at (i, ai) and (i, 0) . Find two lines, which, together with the x-axis forms a container, such that the container contains the most water.

Example

Input: height=[4,3,2,1,4]

Output: 16

Notes

We can not slant the container.

Approach

Initialize 3 variables counter, highest, and current. Create a nested for loop. First will iterate through the entire array, the nested one will iterate through every element following the first loop’s element. Increment the counter within the second loop. This counter will account for the width of the walls. Find the minimum value of the first loop’s and second loop’s element. We have to select the minimum value because otherwise the water would overflow and spill. Then multiply it with the counter (aka width) and store it in a variable called current. Compare the current to the highest value and store the higher value in a the highest variable. Reset the counter outside the nested loop to move to the next element in the first loop.

Code

var maxArea = function(height) {

let counter = 0;

let highest = 0;

let current = 0;

for(let i=0;i<height.length;i++){

for(let j=i+1;j<height.length;j++){

counter++;

current = Math.min(height[i],height[j])*counter;

highest = Math.max(current, highest);

}

counter = 0;

}

return highest;

};

Time Complexity

O(n²): Nested for loop that iterates through the entire array every ith element

Space Complexity

O(1): We do not store the values to any array, set, map, etc. The variables shown are static therefore does not impact the space complexity.
LeetCode: Container With Most Water
By: Trush Patel
Tags: Leetcode, JavaScript, Coding, Coding Interviews

Given n non-negative integers a1, a2, ..., an , where each represents a point at coordinate (i, ai) . n vertical lines are drawn such that the two endpoints of the line i is at (i, ai) and (i, 0) . Find two lines, which, together with the x-axis forms a container, such that the container contains the most water.

Example

Input: height=[4,3,2,1,4]

Output: 16

Notes

We can not slant the container.

Two Pointers

The two pointer technique is commonly used to solve array and string problems. It works by having one pointer that starts at the beginning of the array and having the other one at the end of the array. Then according the problem, you simply move either the beginning pointer or the end pointer to the other side. The two pointer is not limited to just the ends of the array/string, it can be placed anywhere although ends are more common.

Approach

Initialize 4 variables: max, current, a, and b. Create a while loop that will loop as long as a is less than b. Pointer A will start from the left and Pointer B will start from the right. We don’t want Pointer A to account for a value that Pointer B already has accounted for and vice versa. Hence we loop until a is less than b. Find the minimum value of ath’s element and bth’s element. Whichever one is smaller, multiply it by (b-a). The minimum value is the length and the (b-a) will be the distance from a to b. Store the multiplication to the current variable. If ath’s element is bigger than bth’s element, then decrement b by 1. If bth’s element is bigger, then increment a by 1. Compare the current and max values. If the max is bigger, the value of “max” wont change. However, if current is bigger than max, then it will update the value of max to current.

Code

var maxArea = function(height) {

let max = 0;

let current = 0;

let a = 0;

let b = height.length-1;

while(a<b){

current = Math.min(height[a],height[b])*(b-a);

max = Math.max(max,current);

if(height[a]<height[b]){

a++;

}

else if(height[a]>height[b]){

b--;

}else{

a++;

}

}

return max;

};

Time Complexity

O(n): We loop through the entire array once.

Space Complexity

O(1): We do not store the values anywhere therefore it is constant.