Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
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
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @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
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
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.
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.
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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 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
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
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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
2. Forward looking statements
Forward-Looking Information
Please note that the following materials containing information regarding Capital One’s financial performance speak only as of the particular
date or dates indicated in these materials. Capital One does not undertake any obligation to update or revise any of the information
contained herein whether as a result of new information, future events or otherwise.
Certain statements in this presentation and other oral and written statements made by the Company from time to time, are forward-looking
statements, including those that discuss strategies, goals, outlook or other non-historical matters; projections, revenues, income, returns,
earnings per share or other financial measures for Capital One and/or discuss the assumptions that underlie these projections, including
future financial and operating results, and the company’s plans, objectives, expectations and intentions. To the extent that any such
information is forward-looking, it is intended to fit within the safe harbor for forward-looking information provided by the Private Securities
Litigation Reform Act of 1995. Numerous factors could cause our actual results to differ materially from those described in forward-looking
statements, including, among other things: general economic and business conditions in the U.S. and or the UK, including conditions
affecting consumer income, spending and repayments, changes in the credit environment in the U.S. and or the UK, including an increase or
decrease in credit losses, changes in the interest rate environment; continued intense competition from numerous providers of products and
services that compete with our businesses; financial, legal, regulatory or accounting changes or actions; changes in our aggregate accounts or
consumer loan balances and the growth rate and composition thereof; the amount of deposit growth; changes in the reputation of the credit
card industry and/or the company with respect to practices and products; the risk that Capital One’s acquired businesses will not be
integrated successfully; the risk that synergies from such acquisitions may not be fully realized or may take longer to realize than expected;
disruption from the acquisitions making it more difficult to maintain relationships with customers, employees or suppliers; the risk that the
benefits of the Company’s restructuring initiative, including cost savings, may not be fully realized; our ability to access the capital markets at
attractive rates and terms to fund our operations and future growth; losses associated with new products or services; the company’s ability to
execute on its strategic and operational plans; any significant disruption in our operations or technology platform; our ability to effectively
control our costs; the success of marketing efforts; our ability to recruit and retain experienced management personnel; changes in the labor
employment market; general economic conditions in the mortgage industry; and other factors listed from time to time in reports we file with
the Securities and Exchange Commission (the “SEC”), including, but not limited to, factors set forth under the caption “Risk Factors” in our
Annual Report on Form 10-K for the year ended December 31, 2007. You should carefully consider the factors discussed above in evaluating
these forward-looking statements. All information in these slides is based on the consolidated results of Capital One Financial Corporation. A
reconciliation of any non-GAAP financial measures included in this presentation can be found in the Company’s most recent Form 10-K
concerning annual financial results, available on the Company’s website at www.capitalone.com in Investor Relations under “About Capital
One.”
2
3. First quarter 2008 highlights
• Diluted EPS of $1.47; EPS from Continuing Operations of $1.70, up 3% over Q107
– Allowance build of $310M
– $104M increase to GreenPoint Rep and Warranty reserve
– $200M benefit from Visa IPO
• Substantial increase in revenue margin year-over-year, coupled with expense
reductions, largely offset the adverse impact of higher credit costs
• Credit performance largely in line with expectations, but credit outlook worsening
due to weakening US economy
• Remain cautious on loan growth; bullish on deposit growth
– Managed loans declined $3.3B from Q407; deposits grew $4.9B
• Balance sheet remains a source of strength
– TCE ratio increased from 5.83% in Q407 to 6.03%
– Maintained strong liquidity and diverse funding sources
– Increased quarterly dividend to $0.375
• Completed integration of multiple systems, including deposit platform, and New
York metro bank brand conversion
3
4. Substantial increase in revenue margin year-over-year largely offset
the adverse impact of higher credit costs
Margins Margin Drivers
12% • Year-over-year: US Card pricing and fee
changes drove substantial increase in
Revenue Margin
revenue margin
10% 10.43%
10.40%
9.20%
Risk-Adjusted Margin
8% • Quarter-over-quarter: Reduced US Card
7.45%
6.97% 7.06%
fees offset by more active balance sheet
6.78%
6.83%
management
6%
6.15%
Net Interest Margin
4%
2%
0%
Q107 Q207 Q307 Q407 Q108
4
5. We continue to drive efficiency gains
Quarterly Highlights
Efficiency Ratio
• Reduced headcount by 1,600 in Q108;
60%
5,400 since Q107
50.7%
50% 46.2%
• Announced UK and Auto Finance
restructurings
41.6%
44.2%
40%
– Approximately 1000 positions to be
38.6%
eliminated
30%
Excluding Visa one-
time impacts
2008 Expectations
20%
• Mid-40%’s or lower efficiency ratio
10%
• 2008 operating expenses at least $200M
below 2007
0%
Q107 Q207 Q307 Q407 Q108
5
6. Credit metrics reflect weakening in the U.S. economy
Monthly Managed Monthly Managed Delinquency
Net Charge-off Rate and Non-Performing Loan Rate
8%
8%
Bankruptcy
Filing Spike
7% National Lending
7%
Q108:
6% 5.34%
6%
5% National Lending
5% 30+ Delinquency Rate
Q108
4%
4% 4.73%
3% 3%
2% 2% Local Banking:
Non-performing loans
Q108:
Local Banking as % of loans
1% 0.31% Q108
1%
0.56%
0% 0%
Jan-00
Jan-01
Jan-02
Jan-03
Jan-04
Jan-05
Jan-06
Jan-07
Jan-08
Jan-00
Jan-01
Jan-02
Jan-03
Jan-04
Jan-05
Jan-06
Jan-07
Jan-08
6
7. Given the deteriorating outlook for the US economy, we have
increased our loan loss allowance
Allowance as % of Reported
Quarterly Highlights
30+ Delinquencies
200%
• Increased loan loss allowance by
$310M to $3.3B
US Card
165%
153%
150%
• Allowance consistent with managed
International
charge-offs of approximately $6.7B
129%
134%
over the next 12 months
100%
Auto
64%
50%
44%
0%
Q107 Q207 Q307 Q407 Q108
Allowance as
% of Reported 2.3% 2.3% 2.4% 2.9% 3.3%
Loans
7
8. Despite credit headwinds, we remain capital generative
Tangible Common Equity to
2008 Expectations
Tangible Managed Assets Ratio
• TCE ratio at or above high-end of 5.5%-
8%
6% target range
7%
• Expect to continue $0.375 quarterly
6%
6.03% dividend
5.83%
5%
4%
• Share buybacks dependent on economic
outlook
3%
– 2H08 at the earliest
2%
1%
0%
Q107 Q207 Q307 Q407 Q108
8
9. We continue to maintain ample liquidity
Quarterly Highlights
Readily Available Liquidity
$B
• Liquidity position is 5x next 12 months
35
of capital markets funding plan
$30B
$29B
30
• Moved Auto Finance to be a subsidiary
Undrawn FHLB
of National Bank
Capacity
25
• $5.7B Holding company cash:
20
Unencumbered – Covers parent obligations for over 2
Securities
years, including common stock and
dividends
15
• Maintained strong, diversified funding
10
– Q1 deposit growth of $4.9B
Undrawn
Conduit
– $3.0B AAA US Card ABS YTD
5
• Highly liquid, low risk investment
0
portfolio
1Q06 2Q06 3Q06 4Q06 1Q07 2Q07 3Q07 4Q07 1Q08
9
10. Capital One remains highly profitable despite significant cyclical
credit headwinds
Net Income from Continuing Operations ($Millions)
Q108 Q407 Q307 Q207 Q107
National Lending
US Card $ 491.2 $ 498.7 $ 626.8 $ 592.9 $ 538.5
Auto Finance (82.4) (112.4) (3.8) 38.0 44.4
International 33.3 54.7 47.4 18.2 19.5
SUBTOTAL 442.1 441.0 670.4 649.1 602.3
Local Banking 75.8 103.6 195.5 154.8 139.2
Other 114.6 (223.0) (49.6) (36.3) (55.4)
Total Company 632.6 $ 321.6 $ 816.4 $ 767.6 $ 686.1
$
10
11. We are taking action to strengthen resiliency and sustain the strong
financial returns of our US Card business
US Card US Card Revenue Margin and Non-Interest
Credit Risk Metrics Expenses as a % of Average Loans
7% 20%
17.31%
5.85% 16.42% 16.42%
6% Managed Net
14.67%
Charge-off Rate
4.84%
13.92%
15%
5%
3.85%
3.72% 3.56%
4%
Non-Interest Expenses as a
Revenue Margin % of Average Loans
4.28% 10%
4.04%
3.80%
3%
3.06% 2.98%
2%
5% 6.11%
5.88%
Managed 30+ 5.81% 5.76%
Delinquency Rate
1% 5.48%
0% 0%
Q107 Q207 Q307 Q407 Q108 Q107 Q207 Q307 Q407 Q108
11
12. We continue to aggressively retrench and reposition our auto
business for resilience
Credit Risk Metrics Auto Loan Originations ($B)
8%
$4
$3.6
7% 7.84%
Managed 30+
$3.3
7.15%
Delinquency Rate $3.2
$3.0
$3.1
6%
6.42%
6.35% $3
6.00%
5% $2.4
4.64%
4%
$2
3.98%
4.00%
3%
3.56%
2.85%
2%
Managed Net $1
2.29% Charge-off Rate
2.35%
1%
0% $0
Q406 Q107 Q207 Q307 Q407 Q108 Q406 Q107 Q207 Q307 Q407 Q108
12
13. Bank integration was largely completed in the quarter
Credit Risk Metrics
2%
Managed Net
Charge-off Rate
Non Performing Loans
as a % of Loans
1%
0.56%
0.41%
0.27%
0.19%
0.19%
0.28%
0.31%
0.19% 0.19%
0.15%
0%
Q107 Q207 Q307 Q407 Q108
Deposit and Loan Portfolio ($B)
• Launched new Capital One logo
$80
$74.3 $74.3 $72.8 $73.1 $73.4
$70
• Completed brand conversion of Deposits
$60
former North Fork branches $50 $44.0 $44.2
$41.6 $41.9 $42.2
$40
Loans
• Consolidated banking operations
$30
$20
onto a single deposit platform
$10
$0
Q107 Q207 Q307 Q407 Q108
13
14. We expect sound operating metrics in 2008, despite continued credit
headwinds
Commentary
2008 Outlook
Loan/Deposit Flat loan growth; double-digit Cautious on loan growth; bullish on deposit growth
deposit growth
Growth
Revenue
Low-to mid-single digits Revenue margin remains strong
Growth
Cost Efficiency ratio in the low-to mid- At least $200M Y/Y OpEx reduction vs. 2007
40%’s
Management
Credit Continued economic weakness Allowance at 3/31/08 consistent with $6.7B in charge-
Expectations offs for the next 12 months
Capital Manage to the high end or above Expect to continue $0.375 quarterly dividend; share
5.5-6.0% TCE target repurchases dependent on economic outlook; 2H08 at the
Management
earliest
14
15. Our actions position Capital One to deliver shareholder value over
the cycle
Strong Position Decisive Actions
• Resilient businesses • Pulled back on loan growth across lending businesses
– Tightened underwriting across lending businesses
• Conservatism imbedded in underwriting
decisions • Retrenching and repositioning Auto Finance
• Banking transformation • Pulled back or exited least resilient businesses
– Fortified funding and liquidity
• Shut down GreenPoint Mortgage origination
– Strong capital position businesses
– Broad funding flexibility
• Increased pricing to strengthen margins
• Driving strong operating efficiency gains
• Enhancing and leveraging strong balance sheet
• Managing capital with discipline
15