The document contains charts and tables showing trends in premium lubricant sales, revenue, gross profit, and gallons of lubricants sold by Ashland Consumer Markets (Valvoline) from 2005 to 2009. Some key metrics increased over time, with premium lubricants as a percentage of branded volume and gross profit percentages generally rising from 2005 to 2008. Revenue increased each year, reaching over $150 million in some months of 2008. Lubricant gallons sold peaked around 2005-2007 then declined.
CrossborderInforma: Regional Border Crossing Trends & Economic ImpactsCrossborder Group
September 2012 CrossborderInforma briefing by Crossborder Group: a snapshot of borderwide border crossing trends along the US-Mexico border, with a focus on regional border crossing trends in the San Diego-Tijuana region -- and the economic impacts of crossborder shoppers on San Diego's retail sector and the economy. Selected survey data from Crossborder Group's proprietary at-border surveys also provide insights about crossborder consumer purchases.
CrossborderInforma briefings are issued 1-2 times each month, covering a variety of economic, industry, and policy-related issues in Mexico and along the US-Mexico border region. For more information, please contact our firm at Answers[at]CrossborderBusiness[dot]com, or call us toll free at 1-888-4XBORDER [888-492-6733]. Have a Mexico or NAFTA question? We can help.
CrossborderInforma: Regional Border Crossing Trends & Economic ImpactsCrossborder Group
September 2012 CrossborderInforma briefing by Crossborder Group: a snapshot of borderwide border crossing trends along the US-Mexico border, with a focus on regional border crossing trends in the San Diego-Tijuana region -- and the economic impacts of crossborder shoppers on San Diego's retail sector and the economy. Selected survey data from Crossborder Group's proprietary at-border surveys also provide insights about crossborder consumer purchases.
CrossborderInforma briefings are issued 1-2 times each month, covering a variety of economic, industry, and policy-related issues in Mexico and along the US-Mexico border region. For more information, please contact our firm at Answers[at]CrossborderBusiness[dot]com, or call us toll free at 1-888-4XBORDER [888-492-6733]. Have a Mexico or NAFTA question? We can help.
Jenny Rebholz and I love talking to, motivating and helping all higher education students. But naturally, we are most passionate about helping interior design graduates succeed in their professional careers. That's why we make time to talk to last year design students about the importance of establishing their Personal Brand.
Presentation On Sustaining A Healthy Enterprise During Turbulent TimesSCyboran
The challenging economy has resulted in doubling of the unemployment rate, 50% drop in the financial markets, doubling of the home foreclosures and personal bankruptcies. This is certainly affecting a significant portion of the workforce and making it not only difficult for them to focus on their work, but the stress is deteriorating their health. Sustaining a healthy enterprise during turbulent
Jenny Rebholz and I love talking to, motivating and helping all higher education students. But naturally, we are most passionate about helping interior design graduates succeed in their professional careers. That's why we make time to talk to last year design students about the importance of establishing their Personal Brand.
Presentation On Sustaining A Healthy Enterprise During Turbulent TimesSCyboran
The challenging economy has resulted in doubling of the unemployment rate, 50% drop in the financial markets, doubling of the home foreclosures and personal bankruptcies. This is certainly affecting a significant portion of the workforce and making it not only difficult for them to focus on their work, but the stress is deteriorating their health. Sustaining a healthy enterprise during turbulent
Discussing the state of industry, the changes the industry has gone through and is still undergoing, and how it all influences the profession of interior design, job opportunities and long-term career goals for young professionals.
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.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
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
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.
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.
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.
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.
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.
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
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 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
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.
2. Ashland Consumer Markets (Valvoline) Revenue
($ in millions)
160
150
140
130
120
110
100
90
May-05
May-06
May-07
May-08
Nov-05
Nov-06
Nov-07
Nov-08
Mar-05
Mar-06
Mar-07
Mar-08
Jan-05
Jul-05
Sep-05
Jan-06
Jul-06
Sep-06
Jan-07
Jul-07
Sep-07
Jan-08
Jul-08
Sep-08
Jan-09
3 Month Rolling Average 12 Month Rolling Average
Monthly Sales ($ in millions)* 12 Month Rolling Average ($ in millions)*
2005 2006 2007 2008 2009 2005 2006 2007 2008 2009
Jan 103.0 113.1 122.8 135.7 128.6 Jan 109.4 111.4 121.6 130.6 138.5
Feb 105.5 109.1 122.3 127.4 Feb 109.8 111.7 122.7 131.0
Mar 114.9 130.6 137.3 137.5 Mar 109.6 113.0 123.3 131.0
Apr 118.3 116.8 135.2 154.1 Apr 109.8 112.9 124.8 132.6
May 118.3 126.8 133.2 130.8 May 111.0 113.6 125.4 132.4
Jun 117.8 122.9 139.1 143.0 Jun 111.6 114.1 126.7 132.7
Jul 107.0 116.3 129.1 150.9 Jul 110.8 114.8 127.8 134.6
Aug 116.1 128.3 131.6 147.8 Aug 111.5 115.8 128.0 135.9
Sep 115.7 134.6 123.5 155.1 Sep 110.5 117.4 127.1 138.5
Oct 105.8 130.3 141.2 143.9 Oct 110.6 119.5 128.0 138.8
Nov 106.0 114.6 129.6 119.5 Nov 110.8 120.2 129.3 137.9
Dec 98.7 106.6 109.5 124.1 Dec 110.6 120.8 129.5 139.1
*NOTE: August and September 2007 information (and 3 and 12 month rolling averages that contain August and September 2007 information) is affected by the 13 month foreign
reporting impact described on the Business Fundamentals page of this website.
2
3. Ashland Consumer Markets (Valvoline) Gross Profit (%)
%
33.0
30.0
27.0
24.0
21.0
18.0
15.0
May-05
May-06
May-07
May-08
Nov-05
Nov-06
Nov-07
Nov-08
Mar-05
Mar-06
Mar-07
Mar-08
Jan-05
Jul-05
Sep-05
Jan-06
Jul-06
Sep-06
Jan-07
Jul-07
Sep-07
Jan-08
Jul-08
Sep-08
Jan-09
3 Month Rolling Average 12 Month Rolling Average
3 Month Rolling Average (%)* 12 Month Rolling Average (%)*
2005 2006 2007 2008 2009 2005 2006 2007 2008 2009
Jan 26.7 21.4 24.5 24.2 23.6 Jan 28.0 25.1 20.7 24.9 22.4
Feb 27.4 21.6 25.1 24.0 Feb 28.0 24.7 21.0 24.9
Mar 28.3 22.0 25.6 24.4 Mar 28.1 23.9 21.4 24.7
Apr 28.8 21.4 25.1 24.6 Apr 28.1 23.2 21.7 24.8
May 28.1 20.4 25.3 24.6 May 27.9 22.6 22.3 24.7
Jun 25.9 20.2 25.1 23.9 Jun 27.4 22.4 22.6 24.4
Jul 25.4 19.6 25.9 21.8 Jul 27.2 21.7 23.3 23.7
Aug 25.6 19.0 25.5 19.5 Aug 26.9 20.9 23.9 23.1
Sep 25.4 16.0 24.6 19.2 Sep 26.6 19.9 24.8 23.0
Oct 24.5 17.9 24.3 20.1 Oct 26.4 20.0 25.0 22.6
Nov 23.0 19.7 24.6 21.1 Nov 26.0 20.1 25.1 22.2
Dec 22.1 23.8 24.7 21.8 Dec 25.5 20.4 25.0 22.3
*NOTE: August and September 2007 information (and 3 and 12 month rolling averages that contain August and September 2007 information) is affected by the 13 month foreign
reporting impact described on the Business Fundamentals page of this website.
3
4. Ashland Consumer Markets (Valvoline) Lubricant Sales Gallons
Gallons (in millions)
17
16
15
14
13
12
11
10
May-05
May-06
May-07
May-08
Nov-05
Nov-06
Nov-07
Nov-08
Mar-05
Mar-06
Mar-07
Mar-08
Jan-05
Jul-05
Sep-05
Jan-06
Jul-06
Sep-06
Jan-07
Jul-07
Sep-07
Jan-08
Jul-08
Sep-08
Jan-09
3 Month Rolling Average
3 Month Rolling Average (in millions)*
2005 2006 2007 2008 2009
Jan 13.1 13.1 12.3 13.2 10.6
Feb 12.9 13.2 12.7 13.1
Mar 14.1 14.7 13.9 14.0
Apr 15.1 15.0 14.5 14.7
May 16.0 15.6 14.8 14.6
Jun 16.0 15.0 14.5 14.6
Jul 15.4 14.7 15.0 14.0
Aug 15.0 14.4 14.9 14.4
Sep 14.7 13.7 14.4 14.5
Oct 14.5 14.0 14.0 13.6
Nov 13.7 13.2 13.8 12.3
Dec 12.8 12.8 13.3 11.0
*NOTE: August and September 2007 information (and 3 and 12 month rolling averages that contain August and September 2007 information) is affected by the 13 month foreign
reporting impact described on the Business Fundamentals page of this website.
4
5. VIOC 12 Month Rolling Average Sales
(Stores 2 Years and Older)
($ in millions)
13.5
13.0
12.5
12.0
11.5
11.0
May-05
May-06
May-07
May-08
Nov-05
Nov-06
Nov-07
Nov-08
Mar-05
Mar-06
Mar-07
Mar-08
Jan-05
Jul-05
Sep-05
Jan-06
Jul-06
Sep-06
Jan-07
Jul-07
Sep-07
Jan-08
Jul-08
Sep-08
Jan-09
VIOC Rolling 12 Month Average
Stores 2 Years and Older ($ in millions)*
2005 2006 2007 2008 2009
Jan 11.7 11.4 11.5 12.4 13.2
Feb 11.7 11.4 11.6 12.4
Mar 11.7 11.4 11.7 12.4
Apr 11.7 11.3 11.7 12.5
May 11.7 11.3 11.8 12.6
Jun 11.7 11.3 11.9 12.5
Jul 11.7 11.3 12.0 12.7
Aug 11.7 11.2 12.2 12.7
Sep 11.6 11.3 12.2 12.8
Oct 11.5 11.3 12.3 12.9
Nov 11.5 11.3 12.4 13.0
Dec 11.4 11.4 12.4 13.1
*NOTE: 60 VIOC stores transferred to Marathon on June 30, 2005, have been excluded from this data.
5
