Study: The Future of VR, AR and Self-Driving CarsLinkedIn
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We asked LinkedIn members worldwide about their levels of interest in the latest wave of technology: whether they’re using wearables, and whether they intend to buy self-driving cars and VR headsets as they become available. We asked them too about their attitudes to technology and to the growing role of Artificial Intelligence (AI) in the devices that they use. The answers were fascinating – and in many cases, surprising.
This SlideShare explores the full results of this study, including detailed market-by-market breakdowns of intention levels for each technology – and how attitudes change with age, location and seniority level. If you’re marketing a tech brand – or planning to use VR and wearables to reach a professional audience – then these are insights you won’t want to miss.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
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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
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Pi coins is not launched yet in any exchange đź’± 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 WAYÂ 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
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
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The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
when will pi network coin be available on crypto exchange.DOT TECH
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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
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
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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.
Introduction to Indian Financial System ()Avanish Goel
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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
What price will pi network be listed on exchangesDOT TECH
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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
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
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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.
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
how to sell pi coins on Bitmart crypto exchangeDOT TECH
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Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
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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
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
2. BURLINGTON NORTHERN SANTA FE CORPORATION
INVESTORS' REPORT - UNAUDITED
1st Quarter 2008
INDEX
Page
Earnings Press Release 1-2
Consolidated Income Information 3
Consolidated Balance Sheet Information 4
Consolidated Cash Flow Information 5
Operating Statistics 6
Revenue Statistics by Commodity 7
Capital Expenditures and Track Maintenance 8
3. Investor Contact: Marsha Morgan FOR IMMEDIATE RELEASE
(817) 352-6452
Media Contact: Mary Jo Keating
(817) 867-6407
Burlington Northern Santa Fe Reports
Record First-Quarter 2008 EPS
• Quarterly earnings were $1.30 per diluted share. This compares to first-quarter
2007 earnings of $0.96 per diluted share, which included a $0.14 charge for
additional environmental expenses and a technology system write-off.
• Freight revenues increased $599 million, or 17 percent, with an increase in fuel
surcharges of approximately $280 million compared with the same 2007 period.
• Operating income was $875 million, compared to first-quarter 2007 operating
income of $694 million.
FORT WORTH, Texas, April 29, 2008 - Burlington Northern Santa Fe Corporation
(BNSF) (NYSE: BNI) today reported record first-quarter earnings of $1.30 per diluted share,
compared with first-quarter 2007 earnings of $0.96 per diluted share, which included a $0.14
charge for additional environmental expenses and a technology system write-off.
“BNSF achieved record first-quarter results, while demonstrating continued
improvement in our velocity and service metrics,” said Matthew K. Rose, BNSF Chairman,
President and Chief Executive Officer. “Although we continue to see economic softness within
the Consumer Products business group and commodities related to housing, we are benefiting
from our diverse franchise. Looking forward, we continue to be optimistic about the long-term
prospects for BNSF and are poised to meet increased demand as the economy strengthens,” Rose
added.
-more-
4. First-quarter 2008 freight revenues increased $599 million, or 17 percent, to $4.14 billion
compared with $3.54 billion in the prior year. The 17-percent increase in revenue is primarily
attributable to volume growth in the Agricultural Products business group, improved yields and
increased fuel surcharges of approximately $280 million driven by higher fuel prices.
Agricultural Products revenues were up $240 million, or 38 percent, to $866 million,
predominately due to strong unit volumes provided by growth in wheat, soybeans, corn and ethanol,
coupled with improved yields. Coal revenues rose by $194 million, or 26 percent, to $954 million, as a
result of strong unit volumes, and improved yields. Industrial Products revenues increased $93 million,
or 11 percent, to $939 million due to strong demand for construction products and petroleum products,
partially offset by weakness in the housing market. Consumer Products revenues reached $1.38 billion,
an increase of $72 million, or 5 percent, compared with first quarter 2007. This increase was primarily
related to improved yields. Each of the business units also benefited from increased fuel surcharges
driven by higher fuel prices.
Operating expenses for the first quarter of 2008 were $3.39 billion compared with first-
quarter 2007 operating expenses of $2.95 billion, which included an $81 million charge. The increase in
operating expenses was primarily due to an increase in fuel expense of $357 million as a result of higher
fuel prices on relatively flat fuel consumption.
Burlington Northern Santa Fe Corporation’s subsidiary BNSF Railway Company operates
one of the largest North American rail networks, with about 32,000 route miles in 28 states and two
Canadian provinces. BNSF Railway Company is among the world's top transporters of intermodal
traffic, moves more grain than any other American railroad, carries the components of many of the
products we depend on daily, and hauls enough low-sulfur coal to generate about ten percent of the
electricity produced in the United States. BNSF Railway Company is an industry leader in Web-
enabling a variety of customer transactions at www.bnsf.com.
Financial information follows:
2
5. Burlington Northern Santa Fe Corporation
Consolidated Income Information
(Dollars in millions, except per share data)
Three Months
Ended March 31,
2008 2007
Operating revenues
Freight revenues $ 4,143 $ 3,544
Other revenues 118 101
Total operating revenues 4,261 3,645
Operating expenses
Fuel 1,009 652
Compensation and benefits 983 932
Purchased services 525 502
Depreciation and amortization 341 307
Equipment rents 230 232
Materials and other (a) 298 326
Total operating expenses 3,386 2,951
875 694
Operating income
Interest expense 134 121
Other expense, net - 5
Income before income taxes 741 568
Income tax expense 286 219
Net income $ 455 $ 349
$ 1.30 $ 0.96
Diluted earnings per share
351.3 363.7
Diluted average shares outstanding (in millions)
78.9% 80.4%
Operating ratio (b)
(a) 2007 includes an $81 million charge for additional environmental expenses and a technology system write-off.
(b) Calculated as total operating expenses less other revenues divided by freight revenues.
3
6. Burlington Northern Santa Fe Corporation
Consolidated Balance Sheet Information
(Dollars in millions, except per share amounts)
March 31, December 31,
2008 2007
Assets
Current assets:
$
Cash and cash equivalents 525 $ 330
Accounts receivable, net 861 790
Materials and supplies 639 579
Current portion of deferred income taxes 336 290
Other current assets 311 192
Total current assets 2,672 2,181
Property and equipment, net 29,783 29,567
Other assets 2,097 1,835
$ 34,552 $ 33,583
Total assets
Liabilities and stockholders' equity
Current liabilities:
$
Accounts payable and other current liabilities 3,108 $ 2,824
Long-term debt due within one year 619 411
Total current liabilities 3,727 3,235
Long-term debt and commercial paper 8,025 7,735
Deferred income taxes 8,618 8,484
Casualty and environmental liabilities 850 843
Pension and retiree health and welfare liability 452 444
Employee separation costs 75 77
Other liabilities 1,605 1,621
Total liabilities 23,352 22,439
Stockholders' equity:
Common stock and additional paid-in capital 7,446 7,353
Retained earnings 11,489 11,152
Treasury stock and other (7,735) (7,361)
Total stockholders' equity 11,200 11,144
$ 34,552 $ 33,583
Total liabilities and stockholders' equity
Book value per share $ 32.49 $ 32.05
Common shares outstanding (in millions) 344.7 347.7
Net debt to total capitalization (a) 42.0% 41.2%
(a) Net debt is calculated as total debt less cash and cash equivalents, and capitalization is calculated as the sum of net debt and
total stockholders' equity.
4
7. Burlington Northern Santa Fe Corporation
Consolidated Cash Flow Information *
(Dollars in millions)
Three Months
Ended March 31,
2008 2007
Operating activities
Net income $ 455 $ 349
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization 341 307
Deferred income taxes 83 52
Long-term casualty and environmental liabilities, net 7 42
Other, net 1 41
Change in accounts receivable sales program - 300
Other changes in working capital 44 57
Net cash provided by operating activities 931 1,148
Investing activities
Capital expenditures (468) (537)
Construction costs for facility financing obligation (4) (1)
Other, net (287) (293)
Net cash used for investing activities (759) (831)
Financing activities
Net borrowings 430 47
Dividends paid (112) (90)
Purchase of BNSF common stock (373) (349)
Proceeds from stock options exercised 35 55
Proceeds from facility financing obligation 18 -
Other, net 25 37
Net cash provided by (used for) financing activities 23 (300)
Increase in cash and cash equivalents 195 17
Cash and cash equivalents:
Beginning of period 330 375
End of period $ 525 $ 392
* Certain comparative prior period amounts have been adjusted to conform to the current period presentation.
5
8. Burlington Northern Santa Fe Corporation
Operating Statistics
Three Months
Ended March 31,
2008 2007
Cars / units (in thousands) 2,486 2,507
Average revenues per car / unit $ 1,667 $ 1,414
Revenue ton miles (in millions) 167,936 157,263
Gross ton miles (in millions) 282,818 270,083
RTM / GTM 0.59 0.58
Freight revenue / thousand RTM $ 24.67 $ 22.54
Operating expense / thousand RTM (a) $ 20.16 $ 18.76
Freight revenue / thousand GTM $ 14.65 $ 13.12
Operating expense / thousand GTM (a) $ 11.97 $ 10.93
Compensation and benefits / thousand GTM $ 3.48 $ 3.45
Average employees 40,178 40,984
Period end employees 40,552 41,541
Thousand RTM / average employee 4,180 3,837
Thousand GTM / average employee 7,039 6,590
Gallons of fuel used (in millions) 364 360
Average price per gallon of fuel (b) $ 2.77 $ 1.81
GTM / gallon of fuel 777 750
Freight train miles (in millions) 42 41
GTM / freight train hours (in thousands) 138 125
Route miles operated 32,168 32,023
(a) 2007 includes an $81 million charge for additional environmental expenses and a technology system write-off.
(b) Includes handling, taxes and hedge effect.
6
9. Burlington Northern Santa Fe Corporation
Revenue Statistics by Commodity
Three Months
Ended March 31, Percent
Revenues (in millions) 2008 2007 Change
Domestic Intermodal $ 636 $ 586 8.5 %
International Intermodal 619 610 1.5
Automotive 129 116 11.2
Total Consumer Products 1,384 1,312 5.5
Coal 954 760 25.5
Industrial Products 939 846 11.0
Agricultural Products 866 626 38.3
Total freight revenue 4,143 3,544 16.9
Other revenue 118 101 16.8
$ 4,261 $ 3,645 16.9 %
Total revenues
Cars / units (in thousands)
Domestic Intermodal 504 508 (0.8) %
International Intermodal 622 727 (14.4)
Automotive 39 41 (4.9)
Total Consumer Products 1,165 1,276 (8.7)
Coal 634 594 6.7
Industrial Products 403 390 3.3
Agricultural Products 284 247 15.0
2,486 2,507 (0.8) %
Total cars / units
Average revenue per car / unit
Domestic Intermodal $ 1,262 $ 1,154 9.4 %
International Intermodal 995 839 18.6
Automotive 3,308 2,829 16.9
Total Consumer Products 1,188 1,028 15.6
Coal 1,505 1,279 17.7
Industrial Products 2,330 2,169 7.4
Agricultural Products 3,049 2,534 20.3
$ 1,667 $ 1,414 17.9 %
Average revenue per car / unit
Revenue ton miles (in millions)
Domestic Intermodal 12,795 12,588 1.6 %
International Intermodal 18,996 20,321 (6.5)
Automotive 1,457 1,464 (0.5)
Total Consumer Products 33,248 34,373 (3.3)
Coal 72,310 66,434 8.8
Industrial Products 28,355 27,735 2.2
Agricultural Products 34,023 28,721 18.5
167,936 157,263 6.8 %
Total revenue ton miles
Freight revenue per thousand ton miles
Domestic Intermodal $ 49.71 $ 46.55 6.8 %
International Intermodal 32.59 30.02 8.6
Automotive 88.54 79.23 11.8
Total Consumer Products 41.63 38.17 9.1
Coal 13.19 11.44 15.3
Industrial Products 33.12 30.50 8.6
Agricultural Products 25.45 21.80 16.7
$ 24.67 $ 22.54 9.4 %
Freight revenue per thousand ton miles
7
10. Burlington Northern Santa Fe Corporation
Capital Expenditures and Track Maintenance
Three Months
Ended March 31,
2008 2007
Capital expenditures (in millions)
Maintenance of way
Rail $ 87 $ 82
Ties 71 78
Surfacing 40 48
Other 100 103
Total maintenance of way 298 311
Mechanical 36 26
Information services 23 16
Other 29 27
Total maintenance of business 386 380
Terminal and line expansion 82 157
Total capital expenditures $ 468 $ 537
Track maintenance
Track miles of rail laid
Maintenance of business 153 125
Expansion projects 13 21
Total 166 146
Cross ties inserted (thousands)
Maintenance of business 540 664
Expansion projects 33 54
Total 573 718
Track resurfaced (miles) 2,015 2,136
8