Banks will lend you an umbrella on a sunny day and will want it back when it starts raining. Though you can bet on such an outcome, you can reasonably be confident that when applying for a loan – no matter what the weather forecast says – you’ll have to
“You feel it in your guts. You don’t need to have a look at the speedometer to know which speed you’re driving at!”. During a short interview with a credit analyst I think this is an awesome revelation containing the core of what overconfidence leads to: systematic biases, as we
As part of a training scheduled in the next few weeks I’ve been trying to figure out a summary outline about consumer credit scoring models. Based on a sample data set (with 10,000 records, found in ISLR and courtesy of a California bank) the following scatter plot shows, in a
Recovery is on the way. Maybe we should say it’s on the road, again. Never before I had dealt with 121,189 rows times 93 columns for the mind boggling figure of 11,270,577 numbers. Browsing the catalogue on the European Union Open Data Portal I stumbled – actually this happened not so randomly -
It may leave you only cautiously optimistic knowing when it’s likely to interview the right candidate for recruitment, but it is better than nothing. One common issue businesses, and to a greater extent small businesses, face in managing their HR policies is staff turnover. With a local job market - in full swing in
La stima dei parametri di input nel modello media-varianza è uno dei punti cruciali di difficoltà con cui si cimentano gli investitori che intendano aggiungere rigore oggettivo e allo stesso tempo sottrarre distorsione soggettiva al problema fondamentale delle scelte di portafoglio. La stima della probabilità che un evento si veri fichi condizionata a
Demo lessons, demo lessons, demo lessons. That is the rule. Advertising works well, customers call in to set demo lessons for their little and beloved children. This is the typical situation a manager finds herself in a local business that provides the community with English – as a foreign language
This is the excerpt for “How to choose a new business location with R”. Per modificarlo andare mettere la spunta su “Excerpt” all’interno del pannello “Screen Options” in alto a destra dalla dashboard.
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Rodolfo Vanzini
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