- Ameriprise Financial reported financial results for the third quarter of 2007, including revenue of $2.2 billion, net income of $198 million, and owned, managed, and administered assets totaling $492 billion.
- Key metrics included 12,003 total financial advisors, 2,784 total client relationships, and 45% of clients having a financial plan.
- Revenues increased 11% from the third quarter of 2006, while expenses grew 15% and net income rose 14%.
Social Media Effective And Affordable for Business?David Duncan
Social Media is changing the way companies communicate and do business, do you have a social media strategy for your company, or are you confused about what works and what does not work?
Social Media Effective And Affordable for Business?David Duncan
Social Media is changing the way companies communicate and do business, do you have a social media strategy for your company, or are you confused about what works and what does not work?
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
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 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
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
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@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.
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.
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
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
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
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.
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.
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
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 in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
16. Ameriprise Financial, Inc.
Asset Accumulation and Income Segment
Owned Assets Related to Variable Products
(in billions, unaudited) 3Q '07 vs. 3Q '06 Year-to-Date
3 Qtr 2006 4 Qtr 2006 1 Qtr 2007 2 Qtr 2007 3 Qtr 2007 % Change 2006 2007
Variable Annuities (1)
Beginning balance $ 36.7 $ 39.3 $ 43.5 $ 45.8 $ 49.7 35 % $ 33.2 $ 43.5
Deposits 2.4 2.6 2.6 2.8 2.5 4% 7.0 7.9
Withdrawals and surrenders (1.0) (1.1) (1.2) (1.3) (1.2) (20)% (3.2) (3.7)
Net flows 1.4 1.5 1.4 1.5 1.3 (7)% 3.8 4.2
Investment performance and interest credited 1.1 2.5 0.7 2.2 0.8 (27)% 2.2 3.7
Other 0.1 0.2 0.2 0.2 (0.2) # 0.1 0.2
Total ending balance - contract reserves $ 39.3 $ 43.5 $ 45.8 $ 49.7 $ 51.6 31 % $ 39.3 $ 51.6
Assets Managed by RiverSource
Variable annuity separate account liabilities $ 18.1 $ 19.7 $ 20.5 $ 21.9 $ 22.6 25 %
(2)
Variable universal life liabilities 2.4 2.6 2.6 2.8 2.9 21 %
Assets Managed by Threadneedle $ 4.2 $ 4.6 $ 4.5 $ 4.5 $ 4.3 2%
(1)
The fixed portion of the Variable annuities product is included in the Fixed annuities product account values on page 15.
(2)
Revenue associated with this product is included in the Protection segment.
# Variance of 100% or greater.
Page 14
17. Ameriprise Financial, Inc.
Asset Accumulation and Income Segment
Net Investment Income and Spread Products
(in millions, unaudited) 3Q '07 vs. 3Q '06 Year-to-Date
3 Qtr 2006 4 Qtr 2006 1 Qtr 2007 2 Qtr 2007 3 Qtr 2007 % Change 2006 2007
Net Investment Income
Realized gains (losses) $ 12 $ 21 $ 8 $ 1 $ 12 - $ 19 $ 21
Income related to interest credited and benefits line hedges 18 15 (3) (6) 64 # 6 55
Net investment income $ 443 $ 454 $ 415 $ 392 $ 456 3% $ 1,345 $ 1,263
Certificates
Beginning balance $ 4,863 $ 4,608 $ 4,720 $ 4,561 $ 4,167 (14)% $ 5,649 $ 4,720
Deposits 390 706 238 224 176 (55)% 1,239 638
Withdrawals and surrenders (700) (653) (447) (673) (479) 32 % (2,431) (1,599)
Net flows (310) 53 (209) (449) (303) 2% (1,192) (961)
Interest credited 56 58 51 55 46 (18)% 153 152
Other (1) 1 (1) - (1) - (2) (2)
Total ending balance $ 4,608 $ 4,720 $ 4,561 $ 4,167 $ 3,909 (15)% $ 4,608 $ 3,909
Asset earnings rate 4.92 % 4.90 % 4.97 % 5.00 % 4.96 % 4.91 % 4.98 %
Crediting rate (3.92)% (4.15)% (4.28)% (4.29)% (4.22)% (3.68)% (4.27)%
Spread (1) 1.00 % 0.75 % 0.69 % 0.71 % 0.74 % 1.23 % 0.71 %
Annuities Fixed Account Balances
Beginning balance $ 24,801 $ 23,977 $ 23,133 $ 22,218 $ 21,316 (14)% $ 26,126 $ 23,133
Deposits 232 183 129 173 203 (13)% 690 505
Withdrawals and surrenders (1,238) (1,237) (1,247) (1,254) (1,174) 5% (3,474) (3,675)
Net flows (1,006) (1,054) (1,118) (1,081) (971) 3% (2,784) (3,170)
Policyholder interest credited 228 223 205 214 200 (12)% 694 619
Other (2) (46) (13) (2) (35) 280 # (59) 243
Total ending balance $ 23,977 $ 23,133 $ 22,218 $ 21,316 $ 20,825 (13)% $ 23,977 $ 20,825
Capitalized Interest $ 3 $ 2 $ 2 $ 2 $ 2 (33)% $ 8 $ 6
Ending Balance Attributable to Variable Annuities Fixed Sub-Accounts $ 6,277 $ 5,975 $ 5,674 $ 5,416 $ 5,542 (12)% $ 6,277 $ 5,542
Asset earnings rate 5.21 % 5.57 % 5.56 % 5.48 % 5.42 % 5.57 % 5.49 %
Crediting rate (3.56)% (3.57)% (3.56)% (3.56)% (3.55)% (3.55)% (3.56)%
Spread (3) 1.65 % 2.00 % 2.00 % 1.92 % 1.87 % 2.02 % 1.93 %
(1)
The investment income effect of options backing the Stock Market Certificate and the corresponding credited amounts to certificate holders has been excluded from these rates.
(2)
Other includes capitalized interest, change in FAS 115 shadow reserve for payout annuities and in Q3 2007, includes a $281 million transfer from the variable sub-account to the fixed sub-account for certain
variable annuity products.
(3)
Attributable to interest sensitive products only, which has ranged between 87% to 89% of the total ending annuities fixed accounts balance in the periods reported. The asset earnings rate is a calculated
theoretical yield obtained from the assignment of investment income using the investment year method of allocation.
# Variance of 100% or greater.
Page 15
18. Ameriprise Financial, Inc.
Asset Accumulation and Income Segment
Selected Asset Management Ranking Information
3 Qtr 2006 4 Qtr 2006 1 Qtr 2007 2 Qtr 2007 3 Qtr 2007
RiverSource Mutual Fund Rankings in Top 2 Lipper Quartiles
Equal Weighted
Equity - 12 month 73 % 77 % 56 % 70 % 65 %
Fixed Income - 12 month 78 % 72 % 83 % 88 % 83 %
Taxable Fixed Income - 12 month 78 % 67 % 86 % 87 % 87 %
Tax-exempt Fixed Income - 12 month 78 % 78 % 78 % 89 % 78 %
Equity - 3 year 58 % 63 % 65 % 65 % 73 %
Fixed Income - 3 year 47 % 53 % 44 % 44 % 39 %
Taxable Fixed Income - 3 year 75 % 75 % 67 % 67 % 67 %
Tax-exempt Fixed Income - 3 year 22 % 33 % 22 % 22 % 11 %
Asset Weighted
Equity - 12 month 70 % 89 % 58 % 87 % 67 %
Fixed Income - 12 month 87 % 87 % 97 % 97 % 93 %
Taxable Fixed Income - 12 month 94 % 93 % 96 % 96 % 90 %
Tax-exempt Fixed Income - 12 month 79 % 82 % 98 % 99 % 97 %
Equity - 3 year 67 % 70 % 72 % 74 % 93 %
Fixed Income - 3 year 51 % 48 % 46 % 46 % 46 %
Taxable Fixed Income - 3 year 95 % 87 % 84 % 84 % 83 %
Tax-exempt Fixed Income - 3 year 5% 6% 5% 6% 4%
Threadneedle Mutual Fund Rankings in Top 2 S&P Quartiles
Equity - 12 month 72 % 63 % 57 % 63 % 77 %
Fixed Income - 12 month 67 % 56 % 44 % 44 % 22 %
Equity - 3 year 64 % 57 % 50 % 64 % 76 %
Fixed Income - 3 year 78 % 67 % 56 % 56 % 22 %
Equal Weighted Rankings in Top 2 Quartiles: Counts the number of Class A funds with above median ranking divided by the total number of Class A funds. Asset size is not
a factor.
Asset Weighted Rankings in Top 2 Quartiles: Sums the assets of the Class A funds with above median ranking divided by the total Class A assets. Funds with more assets
will receive a greater share of the total percentage above or below median.
Aggregated data shows only actively-managed mutual funds by affiliated investment managers.
Aggregated data does not include mutual funds subadvised by advisors not affiliated with Ameriprise Financial, Inc., RiverSource S&P 500 Index Fund, RiverSource Cash
Management Fund and RiverSource Tax Free Money Market Fund.
Aggregated equity rankings include RiverSource Portfolio Builder Series and other balanced and asset allocation funds that invest in both equities and fixed income.
RiverSource Portfolio Builder Series funds are funds of mutual funds that may invest in third-party subadvised funds.
Aggregated data only includes mutual funds in existence as of current quarter end. Refer to Exhibit A for RiverSource individual mutual fund performance rankings and other
important disclosures.
Exhibit A includes RiverSource performance rankings for funds subadvised by non-affiliated advisors for general reference although not included in the summary above.
Page 16