The average approved bond size increased by 3.7% to R715 319 in April 2011 from R689 742 in April 2010. At the same time, the average deposit size as a percentage of the purchase price decreased year-on-year by 39.6% to 13.1%, or R108 164. Decline in average prices Banks declined fewer home loans in April 2011 compared to the same month in 2010, a bond originator said on Monday. The ‘Oobarometer’ price index showed a year-on-year decline in the average purchase price of 6.5% to R823 483 in April 2011 from R881 044 a year earlier. The bank initial decline ratio was 8.7% lower year-on-year, at 45.4%, while the bank effective approval ratio for home loans increased significantly from 57.3% in April last year to 64.4%, ooba found. “The average deposit for April was only 13% of purchase price, which is significantly improved from the levels seen in 2009, and this opens up a considerably broader homebuyer base who can now afford the lower deposit requirements,” said Geffen. Deposits now ‘more affordable’ 24 May 2011 Geffen said the decline in house prices in April pointed to a further period of declining prices, after strong growth in the first half of 2010. Geffen said the strong April approval rates followed record numbers in March, when the approval figure was the highest value of approved home loans since October 2008. “The ability to obtain financing is one of the biggest drivers in the property market, so the consistent improvements are positive for the market,” ooba CEO Saul Geffen said in a statement. The average purchase price by a first time buyer fell by a more moderate 0.2%year-on-year to R625 252. “We anticipate the negative growth trend will reverse shortly after mid-year and show moderate positive price growth for the second half of the year,” he said. Sapa
CureCRM is new software as a service that aspires to be the “cure for the common CRM.” As you might be able to tell from its logo, the service is first and foremost about integrating closely with email. It acts as an email-based assistant for CRM work, and it can automatically log business-related email activity on both its own site and Salesforce.com. The product also focuses on including Twitter in the mix, making it a promising, if not entirely complete, addition to the social CRM space that is rapidly maturing in 2009.Twitter Relationship ManagerIn addition to the relationship management that you’re probably used to, CureCRM includes a little bit of character from the social CRM space by integrating smoothly with Twitter. If you opt to connect your company’s account with OAuth, tweets become a part of the workflow. Twitter friends become a part of the contacts system, you can track conversations just like email, and team leaders can assign an ongoing Twitter conversation. Email-powered CRMThe core paradigm of CureCRM is built around connecting closely with email. It extracts your contacts to seed your CRM, it feeds out assigned tasks and reminders, and it can automatically log related emails into both their site and Salesforce.com if you opt to integrate the two. In addition to connecting with Google Apps/Gmail, as well as Outlook and Exchange servers, CureCRM features a personal email assistant somewhat reminiscent of the now-defunct Sandy. CureCRM might seem a little strange for those familiar with more common CRM systems. But that’s because it’s more like an application that sits on top of your typical CRM, allowing you to do a better job of managing and automating the pipeline of activity. The system creates a central administrative view that is a stream of emails and tweets.In practice, that kind of management means you can do things like automatically pull in prospect-related emails into your CRM, rather than relying on salespeople to go to your CRM and manually log them. The basic package with CureCRM is $29.95/month, or $49.95 if you want the whole shebang with the Outlook plugin and Salesforce.com integration.Room to ImproveIn our tests, CureCRM was fairly intuitive, especially to someone who might already be familiar with Twitter. As someone who has felt the frustrations of having to manually chronicle customer interactions in a CRM, I could see this system improving things for people.But if it wants to continue as something that feels like an improvement to the typical CRM, then they need to connect with more than just Salesforce.com and Twitter. Integration, both the ability to do it and how easy it is, is a huge concern for enterprises looking to adopt SaaS solutions. The software needs to work with other kinds of CRMs (which might not be SaaS) and connect to other public networks where conversations are happening. By doing both, CureCRM could show real potential for building on what it has gotten right with CRM already. IT + Project Management: A Love Affair Cognitive Automation is the Immediate Future of… Tags:#enterprise#Products#saas Massive Non-Desk Workforce is an Opportunity fo… Related Posts 3 Areas of Your Business that Need Tech Now steven walling
SAUNYA N. BRIGHT, Lt Col, USAF, BSC,MS, MBA, MPA, RDN, CSSDChief, Health Promotion NutritionLt Col Bright is a dietitian on the Health Promotion Team supporting the Air Force Surgeon General at the Air Force Medical Support Agency. She served on active duty for 18 years. Prior to joining the AF she served as a dietitian at the James A. Haley VA Hospital in Tampa, Florida. Lt Col Bright is a graduate of Tuskegee University, Troy University, and Texas Woman’s University. In her current position, her primary focus areas are the adoption of the AF HeRO Strategy, AF Telemedicine Medical Nutrition Therapy and initiatives supporting the inclusion of nutrition in the transformation of the Defense Health Agency. Montgomery, Alabama is her home town.Dr. Chadrick E. Cooper, Dr.PH, B.S., CHESDr. Chadrick E. Cooper has experience in Program Development & Evaluation, Epidemiology, Statistical Analysis, Population Health, Health Promotion Education: Doctor of Public Health Masters of Public Health- Epidemiology Bachelor of Science – Exercise Physiology Competencies and Skills Data Analysis and Research Methodologies Health Program Building, Management, & Evaluation Injury, Illness, & Disease Prevention Health Behavior Theories Certifications Certified Health Education Specialist – National Commission for Health Education Credentialing Career Experience Air Force Medical Support Agency – Health Program Evaluator 2017-current Koala Health and Wellness Centers Inc. – Health Program Developer/Evaluator 2009-2017Linda Granado, MPH, CHESLinda Granado is a contractor serving as a Health Program Developer supporting the Air Force Medical Support Agency (AFMSA). She served as a public health professional for six years with experience in policy development, program development, implementation, and evaluation; community-based participatory research, and health education. Linda has over 8 years of teaching and coaching experience at the secondary level. Linda received her Master of Public Health degree from the University of Southern California, Bachelors of Science in Kinesiology from the University of Texas at San Antonio, and is a Certified Health Education Specialist. In her current position, Linda is responsible for assisting with the development and maintenance of standardized Air Force Health Promotion Programs delivered across the enterprise.Amy Schryver, MS, CHES Amy Schryver graduated from Brigham Young University-Idaho with a BS in Exercise and Sport Science, completed her graduate work in Health and Kinesiology at the University of Texas at San Antonio, and is a Certified Health Education Specialist. She has experience in health program development, fitness and health education, community outreach, and patient care. In her current position as a Health Program Developer with the Air Force Medical Support Agency, she is developing a standardized approach to worksite wellness for Air Force Health Promotion, which is named Project Health and Readiness Optimization (HeRO).