This is the presentation of my training program for junior managers. The program is based on a model that encompasses diversified areas of a supervisor or junior manager - from setting goals to their execution and to the development of their people.
This is the presentation of my training program for junior managers. The program is based on a model that encompasses diversified areas of a supervisor or junior manager - from setting goals to their execution and to the development of their people.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
2. A Note From Our Lawyers
The following presentation includes forward-looking statements within the meaning of Section
27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934.
These forward-looking statements include statements regarding, among other things, our
planned acquisition of YouTube, the planned combined offerings from Google and YouTube,
the expected closing date of our planned acquisition of YouTube, and planned partnerships.
These forward-looking statements are subject to certain risks and uncertainties that could
cause our actual results to differ materially from those reflected in the forward-looking
statements. Many of the factors that could cause or contribute to such differences include: (1)
changes in economic, business, competitive, technological and/or regulatory factors, (2) failure
to receive regulatory approval for the acquisition and the failure of the other conditions set
forth in the YouTube acquisition agreement to be satisfied, (3) failure to retain the levels of
traffic on the YouTube site, (4) failure to compete successfully in a highly competitive and
rapidly changing marketplace, (5) failure to retain key employees of YouTube, (6) other factors
affecting the operation of the respective businesses of Google and YouTube, and (7) the
failure of YouTube and Google to work together effectively. More detailed information about
these factors may be found in our filings with the SEC, including our most recent Quarterly
Report on Form 10-Q.
In light of these risks and uncertainties, the forward-looking statements included in this
presentation may not occur, and actual results could differ materially and adversely from those
anticipated or implied in the forward-looking statements. We undertake no obligation to revise
or publicly release the results of any revision to these forward-looking statements.
2
3. Third Quarter 2006 Highlights
• Revenue growth of 70% Y/Y and 10% Q/Q in seasonally slow Q3
– Monetization was the primary driver of revenue growth; traffic gains also
contributed meaningfully
– Strong growth across our diverse advertiser base
– Continued international expansion
• Record levels of operating income and net income
• Continued innovation – more simple yet powerful products for users
• Multi-year partnerships with Fox Interactive Media (MySpace), eBay,
and Intuit
• Agreement to acquire YouTube for $1.65B in stock (October)
3
7. Costs and Expenses
GAAP Q3'06
$Millions Q/Q Y/Y
Q3'05 Q2'06 Q3'06
Costs of Revenues $655.1 $989.0 $1,048.7 6.0% 60.1%
Percent of revenues 41.5% 40.3% 39.0%
Research & Development* $177.8 $282.6 $312.6 10.6% 75.8%
Percent of revenues 11.3% 11.5% 11.6%
Sales & Marketing $111.5 $196.4 $207.0 5.4% 85.7%
Percent of revenues 7.1% 8.0% 7.7%
General & Administrative $104.9 $172.6 $190.0 10.1% 81.1%
Percent of revenues 6.6% 7.0% 7.1%
Total Costs & Expenses $1,049.3 $1,640.6 $1,758.3 7.2% 67.6%
Percent of revenues 66.5% 66.8% 65.4%
Non-GAAP Q3'06
$Millions Q/Q Y/Y
Q3'05 Q2'06 Q3'06
Costs of Revenues $653.8 $986.7 $1,046.6 6.1% 60.1%
Percent of revenues 41.4% 40.2% 38.9%
Research & Development $130.9 $212.0 $250.9 18.3% 91.7%
Percent of revenues 8.3% 8.6% 9.3%
Sales & Marketing $105.0 $182.1 $192.3 5.6% 83.1%
Percent of revenues 6.7% 7.4% 7.1%
General & Administrative $92.5 $150.6 $168.7 12.0% 82.4%
Percent of revenues 5.9% 6.1% 6.3%
Total Costs & Expenses $982.2 $1,531.4 $1,658.5 8.3% 68.9%
Percent of revenues 62.3% 62.3% 61.6%
* Q305 includes $20.8M of in-process R&D
Note: Please refer to supporting Table 1 for reconciliations of non-GAAP costs and expenses
to GAAP costs and expenses
7
8. Profitability
GAAP
$Millions Q3'05 Q2'06 Q3'06
Income from Operations $529.2 $815.4 $931.3
Operating Margin 33.5% 33.2% 34.6%
Net Income $381.2 $721.1 $733.4
Net Margin 24.1% 29.4% 27.3%
EPS (diluted) $1.32 $2.33 $2.36
Non-GAAP
$Millions Q3'05 Q2'06 Q3'06
Income from Operations $596.3 $924.5 $1,031.2
Operating Margin 37.8% 37.6% 38.3%
Net Income $437.2 $772.1 $812.3
Net Margin 27.7% 31.4% 30.2%
EPS (diluted) $1.51 $2.49 $2.62
Note: Please refer to supporting Table 2 for reconciliations of non-GAAP results of
operations measures to the nearest comparable GAAP measures
8
9. Free Cash Flow
Q3'06
$Millions Q/Q Y/Y
Q3'05 Q2'06 Q3'06
Net cash provided by
operating activities $646.7 $840.6 $1,004.3 19.5% 55.3%
Less purchases of property
and equipment $292.5 $699.0 $492.2 (29.6)% 68.3%
Free cash flow (Non-GAAP) $354.2 $141.6 $512.1 261.7% 44.6%
9
10. YouTube Agreement
• YouTube is one of the largest and fastest growing online video
entertainment communities on the Internet
• Google and YouTube share the vision of enabling anyone to
upload, watch and share original videos worldwide, and the
dedication to innovate with video to offer compelling services
for our users and for content owners
• YouTube to remain independent following close
Company to remain in San Bruno, CA
Transaction expected to close in Q4
10
11. Summary
• Strong results are a direct result of Google’s diversity across
geographic regions, industry verticals, and advertiser/partner
segments (small, medium, large).
• Google continues to focus on innovation and on the user experience.
• We continue to invest in our technology, infrastructure and people to
maintain our market leadership and improve our competitive
positioning.
• Partnerships remain a key strategic initiative – Fox Interactive, eBay,
Intuit – more to come.
11
12. Table 1 - Reconciliations of non-GAAP costs and expenses
to GAAP costs and expenses
As a % of As a % of As a % of Q3'06 Q3'06
Revenues (1) Revenues (1) Revenues (1) Q/Q Y/Y
$Millions Q3'05 Q2'06 Q3'06
6.0% 60.1%
Cost of Revenues (GAAP) $ 655.1 41.5% $ 989.0 40.3% $ 1,048.7 39.0%
Less: Stock-based compensation (1.3) - (2.3) - (2.1) -
6.1% 60.1%
Cost of Revenues (non-GAAP) $ 653.8 41.4% $ 986.7 40.2% $ 1,046.6 38.9%
Research and development (GAAP) 10.6% 75.8%
$ 177.8 11.3% $ 282.6 11.5% $ 312.6 11.6%
Less: Stock-based compensation (26.1) - (70.6) - (61.7) - - -
Less: In-process research and development (2) (20.8) - - - - - - -
Research and development (non-GAAP) 18.3% 91.7%
$ 130.9 8.3% $ 212.0 8.6% $ 250.9 9.3%
Sales and marketing (GAAP) $ 111.5 7.1% $ 196.4 8.0% $ 207.0 7.7% 5.4% 85.7%
Less: Stock-based compensation (6.5) - (14.3) - (14.7) - - -
Sales and marketing (non-GAAP) $ 105.0 6.7% $ 182.1 7.4% $ 192.3 7.1% 5.6% 83.1%
General and administrative (GAAP) $ 104.9 6.6% $ 172.6 7.0% $ 190.0 7.1% 10.1% 81.1%
Less: Stock-based compensation (12.4) - (22.0) - (21.3) - - -
General and administrative (non-GAAP) $ 92.5 5.9% $ 150.6 6.1% $ 168.7 6.3% 12.0% 82.4%
Total costs and expenses (GAAP) $ 1,049.3 66.5% $ 1,640.6 66.8% $ 1,758.3 65.4% 7.2% 67.6%
Less: Stock-based compensation (46.3) - (109.2) - (99.8) - - -
Less: In-process research and development (2) (20.8) - - - - - - -
Total costs and expenses (non-GAAP) $ 982.2 62.3% $ 1,531.4 62.3% $ 1,658.5 61.6% 8.3% 68.9%
(1) Percentages based on GAAP Revenues of $1,578 million in Q3 '05, $2,456 million in Q2 '06 and $2,690 million in Q3 '06
(2) In-process research and development relates to an acquisition
12
13. Table 2 - Reconciliations of non-GAAP results of operations
measures to the nearest comparable GAAP measures
As a % of As a % of As a % of
Revenues (1) Revenues (1) Revenues (1)
$Millions except per share amounts Q3'05 Q2'06 Q3'06
Income from operations (GAAP) $ 529.2 33.5% $ 815.4 33.2% $ 931.3 34.6%
Add: Stock-based compensation 46.3 - 109.1 - 99.9 -
Add: In-process research and development (2) 20.8 - - - - -
Income from operations (non-GAAP) $ 596.3 37.8% $ 924.5 37.6% $ 1,031.2 38.3%
Net income (GAAP) $ 381.2 24.1% $ 721.1 29.4% $ 733.4 27.3%
Add: Stock-based compensation (net of tax) 35.2 - 83.3 - 78.9 -
Add: In-process research and development (net of tax) 20.8 - - - - -
Less: One-time gain from the sale of our investment in Baidu (net of tax) - - (32.3) - - -
Net income (non-GAAP) $ 437.2 27.7% $ 772.1 31.4% $ 812.3 30.2%
Net income per share - diluted (GAAP) $1.32 $2.33 $2.36
Net income per share - diluted (non-GAAP) $1.51 $2.49 $2.62
Shares used in per share calculation - diluted 290 310 311
(1) Percentages based on GAAP revenues of $1,578 million in Q3 '05, $2,456 million in Q2 '06 and $2,690 million in Q3 '06
(2) In-process research and development relates to an acquisition
13