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Los orígenes de la crisis hipotecaria subprime en septiembre de 2008 se encuentran en una burbuja, en la sobrevaloración de activos (en este caso inmobiliarios) a través de bursatilizaciones hipotecarias en Estados Unidos. Esto vino a sumarse a un entorno de bajas tasas de interés y presiones por generar ganancias
You've probably heard of the famous Rosetta Stone. It had the same decree written on it in both ancient Egyptian and Greek, and was an essential key to help modern historians decipher and translate the ancient Egyptian hieroglyphs. To help the 'old timers' (like me) shift from using SAS/Graph to the
My colleague, Lisa, and I were comparing notes the other day. Both of us starting working in our teens (14 and 15 respectively) during the academic year as well as the summers. I worked at Sears in the drapery and bedspread department. I’ll never forget my first boss—Mr. Arnold. He
Two sayings I’ve heard countless times throughout my life are “Work smarter, not harder,” and “Use the best tool for the job.” If you need to drive a nail, you pick up a hammer, not a wrench or a screwdriver. In the programming world, this could mean using an existing
En materia de seguridad pública, las estadísticas no sólo tendrían que utilizarse para registrar tragedias, fallas incomprensibles o riesgos latentes -víctimas, bienes destruidos, montos robados, delincuentes capturados, zonas de alta incidencia criminal (lugares donde se vende droga, por ejemplo), entre otras situaciones que lastiman a la sociedad. El simple registro
The hype around artificial intelligence has never been higher – and retail is one industry where it has a chance to make a major impact on profits. But as hype and misunderstandings continue to build, it's become harder than ever to keep sight of the true disruptive potential of AI. I
Statistical programmers and analysts often use two kinds of rectangular data sets, popularly known as wide data and long data. Some analytical procedures require that the data be in wide form; others require long form. (The "long format" is sometimes called "narrow" or "tall" data.) Fortunately, the statistical graphics procedures
Wie lassen sich leistungsstarke Analytics und Open Source miteinander vereinbaren? Diese Frage beantwortet unser Gastautor Alexander Buchwald von der mayato® GmbH. Open Source und kommerzielle Software waren nicht immer die besten Freunde. In Zeiten digitalen Wandels sind jedoch agile Softwareentwicklung und maximale Flexibilität gefragt. Darauf müssen sich Softwarehersteller jeder Couleur
Knowing how to visualize a regression model is a valuable skill. A good visualization can help you to interpret a model and understand how its predictions depend on explanatory factors in the model. Visualization is especially important in understanding interactions between factors. Recently I read about work by Jacob A.
Human behavior is fascinating. We come in so many shapes, sizes and backgrounds. Doesn’t it make sense that any tests we write also accommodate our wonderful differences?
Note: This is the second post in a series featuring analytics leaders in the utility industry. St. Louis is home to Anheuser Busch, the legendary Cardinals baseball team, and Ameren, where analytics rocks. More on this later. Ameren is a large investor-owned utility that serves St. Louis and the surrounding
Business Intelligence (BI) begleitet uns schon seit geraumer Zeit – und zwar in ganz unterschiedlichen Ausprägungen. Und das Thema wird immer wichtiger und verändert sich im gleichen Maße, wie Unternehmen den Wert datengetriebener Entscheidungen erkennen. Damals und heute BI war in „jungen Jahren“ geprägt von teuren, komplexen Systemen, die sich
You've probably heard of the famous Rosetta Stone. It had the same decree written on it in both ancient Egyptian and Greek, and was an essential key to help modern historians decipher and translate the ancient Egyptian hieroglyphs. To help the 'old timers' (like me) shift from using SAS/Graph to
Interestingly enough, paperclips have their own day of honor. On May 29th we celebrate #NationalPaperclipDay! That well-known piece of curved wire deserves attention for keeping our papers together and helping us stay organized. Do you remember who else deserved the same attention? Clippit – the infamous Microsoft Office assistant, popularly known as ‘Clippy’.
This Mother’s Day I admired two rose bushes as I arrived at my parents' house. There was a yellow bush that we planted the Mother’s Day after my mother’s mom died. And a pink bush that we planted a different year, the Mother’s Day after my father’s mom died. The