The quants are out to monkey with our Internet usage by creating models to exploit our web surfing patterns.

Steven Colbert on W Bush at the 2006 White House Correspondents' Association DinnerI'm seeing a pattern here....

The person might not get caught one time and claim ignorance but if they do it over and over they are showing a blatant pattern of DECEPTION.In that case they just can't say ( Your honor I didn't know I couldn't do that).

without noticeable patterns just so people see cars coming and going. 

The housing markets in Britain and Spain actually moved much stronger than that of Canada compared to the US.There has to be a variable the explains the pattern and behavior.http://www.cbc.ca/news/politics/canada-u-s-price-gap-complaints-could-soon-trigger-investigations-1.2865235http://www.huffingtonpost.ca/2013/04/23/canada-house-prices-us_n_3139918.htmlhttp://www.economist.com/blogs/dailychart/2011/11/global-house-prices

NEVER works... these folks have not paid mortgages for a long time usually and its a pattern of bad behavior that just does not get solved with a second chance.. you will very often be evicting them shortly.

I use 2 colors and we create "patterns" to add extra wow for the same amount of money.

Estimated Holding Costs: 4,400$ (3 months rehab 1 month sale PITI+Utilities 1,100$)Selling costs 3% 7,200$Scope Of Work New flooring Hardwood(Herringbone Pattern) 1st floor 2,000New Kitchen 6,500New Bathroom 1,500Paint Interior/Exterior (Loan)Add Crown/Trim 1,000New Windows (Loan)New Doors 1,000Add Dormers in Attic (120 Sq gained) 2,500Finish Basement 5,000Add bathroom in basement 3,500Tuck Point Exterior 1,500Pavers over concrete patio 2,000(optional)Pacers over front walk 500(optional) New Concrete Driveway 2,500$(optional) Side Garage 1,500- The house after Rehab will be 3/2 1009sq -I Am utilizing the FHA 203k loan.

Even though listing prices aren't as useful as sales prices, it still a data point.I also like to try to cook the data and look for patterns.

They will be moving more high income jobs into the area, and create (at least in the short-term) changes to the migration pattern for that area as it would be more desirable.