ALLTEL achieved double-digit earnings growth in the fourth quarter and full year 2004, driven by an 11% increase in wireless revenues and adding over 139,000 net new wireless customers. For the full year, ALLTEL added nearly 511,000 net new wireless customers, their largest annual gain since 1998. ALLTEL also grew their broadband customer base by 59% to over 243,000 customers and expects to complete acquisitions that will add over 3 million new wireless and international customers in 2005.
10 Insightful Quotes On Designing A Better Customer ExperienceYuan Wang
In an ever-changing landscape of one digital disruption after another, companies and organisations are looking for new ways to understand their target markets and engage them better. Increasingly they invest in user experience (UX) and customer experience design (CX) capabilities by working with a specialist UX agency or developing their own UX lab. Some UX practitioners are touting leaner and faster ways of developing customer-centric products and services, via methodologies such as guerilla research, rapid prototyping and Agile UX. Others seek innovation and fulfilment by spending more time in research, being more inclusive, and designing for social goods.
Experience is more than just an interface. It is a relationship, as well as a series of touch points between your brand and your customer. Here are our top 10 highlights and takeaways from the recent UX Australia conference to help you transform your customer experience design.
For full article, continue reading at https://yump.com.au/10-ways-supercharge-customer-experience-design/
10 Insightful Quotes On Designing A Better Customer ExperienceYuan Wang
In an ever-changing landscape of one digital disruption after another, companies and organisations are looking for new ways to understand their target markets and engage them better. Increasingly they invest in user experience (UX) and customer experience design (CX) capabilities by working with a specialist UX agency or developing their own UX lab. Some UX practitioners are touting leaner and faster ways of developing customer-centric products and services, via methodologies such as guerilla research, rapid prototyping and Agile UX. Others seek innovation and fulfilment by spending more time in research, being more inclusive, and designing for social goods.
Experience is more than just an interface. It is a relationship, as well as a series of touch points between your brand and your customer. Here are our top 10 highlights and takeaways from the recent UX Australia conference to help you transform your customer experience design.
For full article, continue reading at https://yump.com.au/10-ways-supercharge-customer-experience-design/
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
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.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
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 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
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
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...
alltel 4Q04_Earningsrelease
1. Andrew Moreau 501-905-7962
For additional information contact:
Vice President - Corporate Communications
andrew.moreau@alltel.com
Rob Clancy 501-905-8991
Vice President - Investor Relations
rob.clancy@alltel.com
Jan. 21, 2005
Release Date:
ALLTEL achieves double-digit earnings growth
as wireless revenues rise 11 percent
Wireless gains 139,000 net adds, average customer revenue up 4 percent
LITTLE ROCK, Ark. - ALLTEL today announced that the company achieved double-
digit earnings growth in the fourth quarter and for all of 2004, driven by outstanding
performance in the wireless business. Fully diluted earnings per share under Generally
Accepted Accounting Principles (GAAP) was 89 cents for the quarter and $3.39 for the
year. Fully diluted earnings per share from current businesses in the quarter was 89 cents,
a 16 percent increase from a year ago. Fully diluted earnings per share from current
businesses in the year was $3.37, a 10 percent increase from a year ago.
Among the highlights for the fourth quarter:
Total revenues were $2.1 billion, a 6 percent increase from a year ago. Total
•
operating income was $501 million, a 6 percent increase. Net income under
GAAP was $271 million. Net income from current businesses was $270
million, a 13 percent increase.
Wireless revenues were $1.3 billion, an 11 percent increase from a year ago.
•
The company added more than 139,000 net new wireless customers, most of
which were post-pay, a 46 percent increase from a year ago. Average revenue
per customer was $49.24, a 4 percent increase. Post-pay churn was 1.68
percent, a 14 percent improvement from a year ago and the best post-pay
churn rate for the fourth quarter since 1998.
-more-
2. ALLTEL added a record 26,000 net new broadband customers, with total
•
penetration reaching 12 percent of addressable lines. Wireline average
revenue per customer was $66.98, a 1 percent increase. Feature revenue per
eligible line increased 7 percent.
Equity free cash flow from current businesses was $226 million, a 4 percent
•
increase. Net cash from operations was level at $623 million.
“ALLTEL delivered fourth-quarter and annual results that reflect the focus our
entire organization has placed on achieving superior financial results while improving
service to our customers,” said Scott Ford, ALLTEL president and chief executive
officer. “Our wireless business continues to improve in almost every area, producing
double-digit revenue growth driven by our focus on adding high-value customers, who
also are increasing their use of our wireless data services. Our wireline business had a
record quarter of broadband growth and ALLTEL continues to maintain industry-
leading margins.
“This was an outstanding year for our company. ALLTEL is growing the
business, delivering value for our shareholders and improving service for our
customers.”
Among the highlights for the year:
Total revenues were $8.2 billion, a 3 percent increase from year-end 2003.
•
Total operating income was $1.9 billion, a 1 percent increase. Net income
under GAAP was $1 billion. Net income from current businesses was $1
billion, a 9 percent increase.
The company’s net new wireless customer additions reached nearly 511,000,
•
an 86 percent increase from 2003 and the largest annual gain since 1998.
Average revenue per customer was $48.13, the highest annual rate in four
years. Post-pay churn for the year was 1.74 percent, the best annual rate since
1998.
ALLTEL now has more than 243,000 broadband customers, a 59 percent
•
increase from year-end 2003. Average revenue per wireline customer was
$65.87, a 2 percent increase.
-more-
3. Equity free cash flow from current businesses was $1.2 billion, a 17 percent
•
increase from a year ago. Net cash from operations remained level at $2.5
billion.
ALLTEL returned more than $1 billion in capital to shareholders by paying
•
more than $450 million in dividends and repurchasing 11.2 million shares of
stock for $600 million.
In 2004, the company expanded its footprint by acquiring the wireless assets of
MobileTel in Louisiana and certain wireless assets from U.S. Cellular and TDS Telecom
in Georgia, Florida, Mississippi, North Carolina, Ohio and Wisconsin. ALLTEL also
announced in 2004 it would acquire Cingular assets in Oklahoma, Texas, Kentucky,
Connecticut, Mississippi and Kansas. That transaction is expected to close in the second
quarter of 2005.
Earlier this month, ALLTEL reached an agreement to merge with Western
Wireless Corp. in a $6 billion stock-and-cash transaction that is expected to close by
mid-year. The company will gain about 1.4 million domestic wireless customers in 19
midwestern and western states that are contiguous to existing properties. It also will add
about 1.6 million international customers.
ALLTEL is a customer-focused communications company with more than 13
million customers and $8 billion in annual revenues. ALLTEL provides wireless, local
telephone, long-distance, Internet and broadband services to residential and business
customers in 26 states.
ALLTEL claims the protection of the safe-harbor for forward-looking statements
contained in the Private Securities Litigation Reform Act of 1995. Forward-looking
statements are subject to uncertainties that could cause actual future events and results to
differ materially from those expressed in the forward-looking statements. These forward-
looking statements are based on estimates, projections, beliefs, and assumptions and are
not guarantees of future events and results. Actual future events and results may differ
materially from those expressed in these forward-looking statements as a result of a
number of important factors. Representative examples of these factors include (without
limitation) adverse changes in economic conditions in the markets served by ALLTEL;
the extent, timing, and overall effects of competition in the communications business;
-more-
4. material changes in the communications industry generally that could adversely affect
vendor relationships with equipment and network suppliers and customer relationships
with wholesale customers; changes in communications technology; the risks associated
with the integration of acquired businesses; adverse changes in the terms and conditions
of the company’s wireless roaming agreements; the potential for adverse changes in the
ratings given to ALLTEL’s debt securities by nationally accredited ratings organizations;
the availability and cost of financing in the corporate debt markets; the uncertainties
related to ALLTEL’s strategic investments; the effects of work stoppages; the effects of
litigation; and the effects of federal and state legislation, rules, and regulations governing
the communications industry. In addition to these factors, actual future performance,
outcomes, and results may differ materially because of more general factors including
(without limitation) general industry and market conditions and growth rates, economic
conditions, and governmental and public policy changes.
-end-
ALLTEL, NYSE: AT
www.alltel.com