Jun 19, 2025 4:15 PM Eastern Daylight Time

FICO Announces New Stock Repurchase Program on June 19, 2025

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BOZEMAN, Mont.--(BUSINESS WIRE)--Global analytics leader, FICO (NYSE:FICO), today announced that its Board of Directors has approved a stock repurchase program to acquire up to $1 billion of the company’s outstanding common stock. This new program was approved following completion of FICO’s previous stock repurchase program, which was in effect from July 2024 until adoption of the new program in June 2025. The new stock repurchase program, which is open-ended, allows the company to repurchase its shares from time to time in the open market and in negotiated transactions.

 ECCE Blog  SFU Blog

Flood risk analysis of Chilliwack, B.C., Canada

Posted 3 years ago by Lan Qing Zhao

In November 2021, a large flooding event happened alongside the Fraser River in lower-mainland B.C. and lasted for several weeks. The city of Chilliwack was among the most devasted cities. That being the inspiration, I designed an MCE research framework to assess flood risks in Chilliwack in B.C. and categorizes areas of the city into three different risk levels by using an MCE analysis in Esri ArcGIS. The MCE method has been combined with analytical hierarchy process (AHP) and weighted linear combination (WLC) technique to obtain the flood risk levels.

The work incorporates five different criteria: land use, slope, elevation, proximity to water and drainage density. The weight for each criterion is calculated through the analytical hierarchy process (AHP) method based on their impacts and importance on flooding events (Table 1). The value of 1 is considered as equally important, and 9 is considered as strongly important. For example, comparing “proximity to waterbody” with “land use”, “land use” is a slightly more important factor to flood propagation. As such, a value of 5 will be assigned to “land use” relative to “proximity to waterbody”.

Chilliwack's downtown core has a significant flood risk

 Chilliwack's downtown core has a significant flood risk, especially in the event of a Fraser River dike breach. A recent study indicated that a large portion of the city, including downtown, is situated in a floodplain and is vulnerable to flooding. 

Here's a more detailed breakdown:

• High Flood Risk:

  A significant portion of Chilliwack, including a large part of the downtown area, is located in the floodplain and faces a high risk of flooding, particularly from the Fraser River. 
• Dike Vulnerability:

  The city relies on dikes for flood protection, but a breach, especially near the Rosedale-Mission Bridge, could lead to downtown being submerged. 
• Historical Flooding:

  Chilliwack has experienced devastating floods in the past, including the 1894 and 1948 floods, highlighting the area's vulnerability. 
• Climate Change Impacts:

  Climate change is expected to increase the frequency and severity of floods, further exacerbating the flood risk in Chilliwack. 
• Urban Core Vulnerability:

  A significant number of buildings in Chilliwack's urban core are located on the floodplain, making them vulnerable to flooding. 
• Specific Areas Affected:

  In the event of a dike breach, downtown Chilliwack, as well as parts of Sardis north of South Sumas Road, could be under water. 
• Importance of Flood Preparedness:

  The City of Chilliwack emphasizes the importance of flood preparedness, including being aware of flood zones and taking appropriate precautions. 

Chilliwack condo | $442,000

 

Chilliwack condo | 2025 June 19

 #ChilliwackCondo #HistorySales #BCCondos #HomePrice

Microsoft Teams | How to use Skype phone number?

 Yes, Microsoft Teams can utilize Skype phone numbers, specifically Skype Numbers, in a few ways, but it requires a Teams Phone license and potentially a Calling Plan. Skype for Business, which is a separate product, is being retired and users are encouraged to migrate to Microsoft Teams. 

Here's a more detailed explanation:

• Skype Numbers in Teams:

  If you have a Skype Number (a phone number you purchased through Skype), you can port it to Microsoft Teams. This allows you to receive calls on that number within the Teams environment. 
• Teams Phone License:

  To use Skype Numbers or any other phone number for calls within Teams (including making calls to regular phones), you need a Teams Phone license. 
• Calling Plans:

  If you want to make calls from Teams to regular phones (landlines and mobile phones), you'll also need a Calling Plan, which is an add-on to the Teams Phone license. 
• Migration from Skype for Business:

  If you were using Skype for Business, you can port your Skype for Business number to Teams. Microsoft has provided resources and guidance to help users migrate their Skype for Business data and settings to Teams. 
• Skype Dial Pad in Teams Free:

  If you're using Microsoft Teams Free, you can access a Skype Dial Pad to make calls if you have active Skype Credit or a subscription. 

2025 Loss on Charles Schwab | $2800 US dollars

1. SABR ($1200)
2. Wolf (397)
3. XYZ (531)
4. TEM (262)
5. LULU (303)
6. BA (57)
7. Uber (80)
8. MDB (86)
9. TEAM (100)
10. BILL (163)
11. TEM (262)

OpenPhone | Phone app to call USA

 Any couple that survives long-distance dating can tell you that communication is key to building relationships from miles apart. Similarly, keeping in touch with your clients — even when you’re one country away — can keep them loyal to your business. If you have a Canadian phone number and US clients (or if you’re traveling and need to know how to call the US from Canada), this is your chance to open up a new line of communication and stay connected for years to come.

We’ll explain how calling the US from Canada works and how you can factor in time zone differences before you reach out. Plus, we’ll explain how much this long-distance call usually costs and how you can reach someone in the US for free.

How to call the US from Canada

Calling the US from Canada is a lot like making any other phone call — just with a few extra digits. To reach anyone in the United States from a Canadian phone, you need to know all four of the following numbers:

1. Your exit code: The exit code 011 allows you to make a call outside of Canada.
2. The US country code: The US shares the country code 1 with Canada. However, you’ll still need to dial 1 to make your international call.
3. Your call recipient’s area code: A valid three-digit area code (for instance, 503 for Portland, Oregon) directs your phone call to a more specific region.

 

追涨杀跌不是错：《最懂输的人才能成为赢家》

Original Freda Li 相见不晚读书会

 2024年03月15日 08:50

#2024年书单#

今年第2本，总第381本。

《最懂输的人才能成为赢家：为什么正常的思维不会赢得交易》

Best Loser Wins

（英）汤姆·霍加德

9个半小时看完。

可能会再看几遍的书（本文是读后感，不构成任何投资建议，感谢理解🙏）。

虽然作者主要是做各国指数的涨跌期权，但本质与股票投资一样，那就是，不要用日常生活中追求超市促销活动低价的逻辑去买低价或跌价的股票，要在出现涨的趋势时买，在出现跌的趋势时卖或者果断止损。

当然他也不是随意见风使舵无头苍蝇似的来回乱换方向。作为长年金融专业人士，他学了很多技术，比如蜡烛图，五分钟线十分钟线，双顶，等等。他不是随便冲的。

技术上他没有说得很具体，毕竟投资策略不是一成不变的，他没法给出一劳永逸适合所有人的操作公式。想学还是需要自己努力，他说的是一个思维模式的问题。并给出了一些锻炼大脑的方法。

乍一看好像他不建议低买高卖，因为低价的股不一定是好东西。而高价时还可能继续飞高所以不用着急落袋为安，哪怕踏空错过了一波，他也训练自己不去在乎，因为他知道，如果卖早了卖飞了，价格一直飙到天际，他会加倍痛苦。

乍一看好像他建议的是追涨杀跌，也就是韭菜们常做的事情。但他的追涨，不是已经涨了好久了才追。

而是，如果他在做空，一旦看到有涨的趋势，他就马上转换思路做多，而不是寄希望于市场赶紧回心转意。做多后，一旦变成跌的趋势，他就马上止损变成做空，他不和趋势做抗争，也不寄希望于亏损时低价不断买入以便拉低成本期待涨回去。

亏损时就按照计划马上止损，不心疼一点点已成事实的损失，实际上他会在下单时就设置好止损线。很多券商app可以设置止损单，但我真的从来不用，这就是高手和一颗老韭菜之间的区别。

而到了盈利时，除非看到技术信号，他不会止盈，甚至会在盈利时加仓，完全反其道而行之。真正做到了“斩断亏损，让利润飞”。

细想一下，很多时候，不就是他的做法才能盈利吗，而90%的人只会顺从潜意识的执念和为了尽量拖延痛苦感受，所以越跌越补仓，越涨越麻利儿的止盈。

书中也引用了几位交易高手的话，都是在疑惑为何大众要那样做，他们都在说，涨的时候要加仓啊。。。

最佩服的是作者转换方向的速度之快和果断，完全顺着市场先生的脾气来。

书里的每个故事和他列举的每个交易实例都极具冲击力。有个别交易图的买入卖出点没有标记得很清楚但也能猜到。

感觉可以好好反思一下，并做一些模拟操作（他没提到这个工具），不必着急尝试下场。指数和各种基金及个股与他常做的期权还是有不同之处的。不过，即使是做股票的波段，也可以借鉴作者的思路，相当于是右侧交易了。

推荐指数：******
阅读难度：**