Toronto’s Real Estate Market – The Sky is Not Falling!

I am sure you are just as tired as I am about hearing how terrible the current state of the real estate market is in Toronto, but is it really that bad?

No, the sky is not falling but there is no doubt that the Toronto real estate market has been affected by the US economic slowdown and because of this consumer confidence has also been affected … and some realtors have had to look for a "real job. "

The economic downturn in the states has no doubt had an impact on our economy. We are seeing fewer transactions occurring, (4,120 resale transactions in Feb '09 compared to 6,015 in Feb '08 according to TREB). Along with a reduction in the number of transactions that have occurred, average prices have also come down in comparison to the same time last year. According to TREB, in central Toronto the average price has gone from $ 404,202 (Jan, 2008) to $ 343,632 (Jan, 2009). Homes are also sitting on the market on average longer than the same time last year but what did we really expect? Did we really think last years wacky market of multiple offers and inflated prices would survive another year?

What does this real estate market mean to a Buyer or Seller in Toronto?

This is great news for buyers! This market is a blessing for first time buyers or those wanting home ownership but just could not afford it in the past. The declining average prices and the unbelievably low interest rates are a great combination! It's a Buyers market, so Buyers take advantage of this opportunity … it's a great time to buy! For sellers this type of market means pricing right and putting in extra effort to make sure your property shows at its potential. In the peak of the market, properties could sell the day they were put up for sale, now properties sit for longer but will still sell if priced right.

As we know, the real estate market is seasonal. As the spring market approaches all ready there is more activity in the city core than in the previous month. Just last week I was apart of two multiple offer situations in North York. Generally speaking the Toronto Real estate market tends to pick up in late spring and then begins its descend in July. The Canadian Mortgage and Housing Commission is forecasting that Toronto will see its 6th or 7th best year in history. They are hiring for 75,000 sales in 2009. The next few months will be a great indicator of the state of the Toronto Real estate market. I guess we'll just have to wait and see.

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Preformulation and Formulation Development

Optimizing Conformational Stability and Biological ActivityMaintenance of the native three dimensional conformation is critical for the long term stability and biological activity of biotherapeutics. Biophysical characterization techniques such as circular dichroism, differential scanning calorimetry, FTIR, dynamic light scattering, and fluorescence spectroscopy provide a mechanism to assess the conformational and thermodynamic stability of proteins under a range of formulation conditions. These tools allow development scientists to differentiate various various buffer, pH, ionic strength, and excipient conditions, and identify the conditions that confer the optimum environment for the therapeutic protein.

Utilizing Advanced Statistical Design for Preformulation Development Preformulation development includes statistical design of experiments, allowing simultaneous evaluation of multiple factors and evaluation of interactions between factors. It is crucial to use advanced biophysical characterization techniques to evaluate the conformational stability of large molecules in addition to traditional methods for evaluation of chemical stability.

A large molecule preformulation development program typically includes the following activities:
Evaluate the effect of pH, buffer type, and ionic strength on solubility.
Evaluate the effect of various excipients on improving solubility if necessary.
Evaluate effects of pH, buffer type, and excipients on conformational stability.
Evaluate the effect of pH, buffers, excipients and ionic strength on physical and chemical stability.
Utilize a statistical design approach to identify the optimal conditions for structural, physical and chemical stability.
Perform forced degradation to elucidate product degradation pathways and to demonstrate the stability-indicating capacity of the analytical methods.
Forced degradation studies typically include restricted oxidation, deamidation, aggregation (via agitation), and / or acid / base hydrolysis.
Evaluation of heat stress, photo stress, and freeze thaw are also performed.

Looking for information on Analytical Development and other related resources?

Formulation Development for Numerous Dosage FormsFormulation development includes dosage forms for parenteral, oral topical and inhalation administration, including liquids, gels, suspensions, emulsions and lyophilized powders. Formulation scientists are highly skilled in the development of the dosage forms most relevant to biotherapeutics, with particular expertise in lyophilization and development of stable liquid formulations for proteins. High concentration antibody formulation development for subcutaneous administration requires particular emphasis on viscosity and tonicity. Lyophilization cycle development is performed in the context of the unique thermodynamic properties of the API to deliver an efficient, scalable, transferable process resulting in optimum product stability and reconfiguration characteristics. Formulation development capabilities also include:

Effect of excipients on solubility, tonicity, and viscosity Evaluation of antioxidant and conservative compatibility Container-closure compatibility Long term and accelerated stability studies.

Advantages of Formulation Development Approach. This outlined approach to preformulation and formulation development result in significant savings to the client by eliminating the variables associated with suboptimal formulations. Preclinical development efforts in PK, PD, ADME and toxicology occur with confidence that additional uncontrollable variables from unstable formulations are not introduced into the study. This benefit extends far into clinical trials as well, where assessment of toxicity, dosage levels and efficiency are substantially influenced by an optimal formulation that preserves the three dimensional conformation of the therapeutic protein. By eliminating uncontrolled stability variables, the focus is placed solely on the therapeutic performance and clinical outcome.

Simferopol, the Capital of Crimea – Simferopol City Guide

Simferopol is known as the capital and biggest city of Crimea. Every year millions of tourists go through this city to the Crimean resorts, such as Yalta, Sevastopol and Evpatoria. Today Crimea belongs to Ukraine and is its most southern region. After the collapse of the USSR in 1991, former Soviet Republics declared their independence, new countries emerged and Ukraine was one of them.

Simferopol is a pretty old, ancient city. Different civilizations occupied the area where the city is now situated over centuries. Finally, the city of Simferopol was founded by Russians in 1885. In old Greek Simferopol means a city of common good, or city-collector. The city was involved in many wars and battles during its long history. During the Second World War the Crimean region was tormented by the Nazi Germany. They took occupation of the city and used it as a strong base to withstand many attacks. Really, the history of this city is so rich! There is a number of historical attractions and artifacts which makes Simferopol a popular tourist destination for many tourists visiting it every year.

At present the total population of Simferopol is reported to be around four hundred thousand people. Administratively, the city is divided into 3 divisions. Due to its central location on the Crimean peninsula, it is a convenient place for many industries and facilities. Food and engineering industries are the two key ones that were developed in the city years ago, in the Soviet time. However more business is being established here today and the economics of the city keeps growing.

Simferopol has always been a cultural and educational center of the Crimea region. There are several Universities and many more colleges in the city. It is not surprising that Simferopol is called a student city sometimes. This city is also known with its famous theaters, such as the Crimean Academic Russian Drama Theater, Simferopol Puppet Theater and Crimean Ukrainian Music Theater. The city’s main public transport system consists of trolleys and buses that run throughout the city and connect the central area with suburbs. The Simferopol International Airport in the only one in Crimea. Different Ukrainian and international airlines have daily flights to Simferopol from Kiev, Moscow, Istanbul, and in summertime Simferopol is also connected with Germany, Israel, Armenia, Latvia, Uzbekistan and other countries. The majority of tourists get to Simferopol by train through. This transportation remains the most popular one in Ukraine due to affordable prices and a decent level of comfort the trains provide.

Since Simferopol is the capital of the Autonomous Republic of Crimea, the city is responsible for the administrative duties related to the special administrative status of Crimea within Ukraine. The Parliament of Crimea as well as the Cabinet of Ministers and other administrative institutions of the Crimean Republic are situated in Simferopol. Although Crimea has the status of a republic, the Crimean Parliament is subordinate to the Supreme Parliament of Ukraine which is situated in Kiev, the capital city of Ukraine.

Today Simferopol is a political, administrative, educational and cultural center of Crimea and of the whole Southern region of Ukraine as well as a popular tourist destination.

Demonetisation: Impact on E-Commerce Platforms

India is still recovering from the unexpected demonetization of rs 500 and rs 1000 notes. A huge change is encountered in the routine of every business and the e-commerce industry has not been spared even. One of the most significant economic change in the lifetime of Indians experiencing vast tremors. While some people were hailing it as a masterstroke move against against black money, terrorism, and currency counterfeiting. Whereas, certain section of people were creating hue and cry against it. This change is placing a tremendous impact on trade and consumer demand. A lot of discussions and discussions are already going on these topics, so I will spare you on that!

The e-commerce platforms are reeling under pressure due to undelivered orders because a lot of customers have opted for COD, but are still offering the old currency notes only. Such drastic economic change has led to an increase in the use of cashless services but the e-commerce platforms are finding it very difficult to complete orders that have been marked for cash on delivery.

On one hand, there have been a huge increase in digital payments but on the other hand the percentage of undelivered online purchases too have gone up. All of this has claimed in huge returns as the customers who place online orders and choose for COD mode for payments, urge the delivery person to accept the old currency notes or take back the order.

Due to demonitisation, the e-commerce platforms have stopped COD mode of payment which is credited for close to 60% of online shopping in the country. COD is one of the popular payment options for a large section of India consumers who shops online. This is due to the sheer convenience it offers to its customers who wish to receive their orders first and pay later.

In order to compensate, these platforms have added credit card on delivery as one of the payment options to put customers at some ease who are running out of cash. More discounts are offered by renovated websites on online payments as well as zero cost EMI schemes.

The spokesperson of amazon has said that the company has incurred ten times growth due to credit card on delivery mode. However, this is not helping the sellers much who have complained that these efforts are not compensating for the loss incurred over COD mode.

No doubt, there will be a lot of inconvenience in the initial period but in the long run, everyone is hopeful of a better growth, reduction in cash on delivery services, along with a quick return investment.