This document provides sources of company information available at Concordia University. It lists various annual reports, investment services like FP Advisor from the Financial Post, industry surveys, Statistics Canada reports, and other resources that contain company addresses, names, stock prices, business types, balance sheets, and more. Students can access some of these resources through remote access online or in print in the library. The reference librarian can help students select and use these materials to find company and industry data and analyses.
Dividend idea Philip Morris (PM) By http://long-term-investments.blogspot.comDividend Yield
Weekly Dividend Stock Ideas Researched by The Dividend Yield Weekly. Our weekly dividend idea is the global cigarettes and tobacco stock Philip Morris International (NYSE:PM); The Leading Tobacco Stock With 3.98% Yield And 7.7% Upside Potential.
Philip Morris International (PMI) is a leading international tobacco company, encompassing eight of the world’s top 15 international brands which includes Marlboro, the number one cigarette brand worldwide. PMI has become the world's leading international tobacco company and the third most profitable international consumer goods company. While US sales revenues have been in decline as Altria struggles to cope with higher state tobacco tariffs and the tobacco industry's negative image in the US, international sales continue to grow for PMI. More on http://long-term-investments.blogspot.de/2012/11/divided-stock-idea-of-week-philip.html
Failing to transform your company’s approach into a truly customer-centric business now means that any business is at risk of losing trust, income and market share.
Over the course of the event you will explore key components of a robust and adaptable customer experience strategy that generates a real top line growth through sharp customer focus & engagement.
- Gain strategic insight into a range of industries customer experience strategies – take away transferable insights and knowledge from other industries that is not accessible anywhere else
- Arm yourself with the key tools necessary to transform customer experience so that it is ready adapt to the new technologies and opportunities that will face consumers and affect who they choose to do business with in 2013
- Walk away with the knowledge, tools and solutions needed to immediately improve your customer experience management today
This event is designed to address the fundamental shifts in the industry needed to create customer value and experience to remain competitive in challenging times:
- Designing & Implementing customer experience with a measurable impact
- Predictive customer experience – Leveraging customer data & nfo
- Transforming company culture to deliver a first-class customer experience
- Customer journey design and mapping
- Customer experience measurement tools and techniques
- Customer feedback for customer operations optimisation
Check out www.CustomerExperienceConf.com and join me in March to take the right steps towards customer experience transformation, innovation and excellence. Visit the website to register now www.CustomerExperienceConf.com. Alternatively contact us on +(0) 20 8267 4011 or email events@haymarket.com.
Dividend idea Philip Morris (PM) By http://long-term-investments.blogspot.comDividend Yield
Weekly Dividend Stock Ideas Researched by The Dividend Yield Weekly. Our weekly dividend idea is the global cigarettes and tobacco stock Philip Morris International (NYSE:PM); The Leading Tobacco Stock With 3.98% Yield And 7.7% Upside Potential.
Philip Morris International (PMI) is a leading international tobacco company, encompassing eight of the world’s top 15 international brands which includes Marlboro, the number one cigarette brand worldwide. PMI has become the world's leading international tobacco company and the third most profitable international consumer goods company. While US sales revenues have been in decline as Altria struggles to cope with higher state tobacco tariffs and the tobacco industry's negative image in the US, international sales continue to grow for PMI. More on http://long-term-investments.blogspot.de/2012/11/divided-stock-idea-of-week-philip.html
Failing to transform your company’s approach into a truly customer-centric business now means that any business is at risk of losing trust, income and market share.
Over the course of the event you will explore key components of a robust and adaptable customer experience strategy that generates a real top line growth through sharp customer focus & engagement.
- Gain strategic insight into a range of industries customer experience strategies – take away transferable insights and knowledge from other industries that is not accessible anywhere else
- Arm yourself with the key tools necessary to transform customer experience so that it is ready adapt to the new technologies and opportunities that will face consumers and affect who they choose to do business with in 2013
- Walk away with the knowledge, tools and solutions needed to immediately improve your customer experience management today
This event is designed to address the fundamental shifts in the industry needed to create customer value and experience to remain competitive in challenging times:
- Designing & Implementing customer experience with a measurable impact
- Predictive customer experience – Leveraging customer data & nfo
- Transforming company culture to deliver a first-class customer experience
- Customer journey design and mapping
- Customer experience measurement tools and techniques
- Customer feedback for customer operations optimisation
Check out www.CustomerExperienceConf.com and join me in March to take the right steps towards customer experience transformation, innovation and excellence. Visit the website to register now www.CustomerExperienceConf.com. Alternatively contact us on +(0) 20 8267 4011 or email events@haymarket.com.
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
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.
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 on Bitmart crypto exchangeDOT TECH
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
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
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 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 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
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
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.
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.
The European Unemployment Puzzle: implications from population aging
Companies+Info
1. Company Information
Basic company information sources available to Concordia follow. If you have any trouble selecting or using any of the listed materials, consult the Reference Librarian.
Canada – Investment Information **
RRSP Yields /
Industry Data
Mutual Fund
Bond Yields
Information
Information
Company
Company
Business
Dividend
Analysis
Address
Balance
Profile
Prices
Name
Sheet
Stock
Ratio
Type
EPS
P/E
of
Sources of Company Information Location
Annual Reports – see Page 4
Investment Services
FP Advisor (Financial Post) *
Includes: ● ● ● ● ● ● ● ●
Company Snapshots Remote access (Concordia ONLY)
Corporate Surveys Remote access (Concordia ONLY) ● ● ● ● ● ● ● ●
Historical Reports Remote access (Concordia ONLY) ● ● ● ● ● ● ● ● ●
Investor Reports Remote access (Concordia ONLY) ● ● ● ● ● ● ● ●
WEB Periodicals Desk card service
Historical Reports (backfile) 1946-1999 ● ● ● ● ● ● ● ● ●
Investor Reports (backfile) WEB Periodicals Desk 1946-1999. ● ● ● ● ● ● ● ●
Survey of Industrials REF HG 5151 F5 WEB ● ● ● ● ● ● ● ● ●
FP Survey, Mines & Energy REF HD 9506 C22F5 WEB ● ● ● ● ● ● ● ● ●
Industry Surveys – see also Page 5
FP Advisor (Financial Post)*
See:
Industry Reports Remote access (Concordia ONLY) ● ●
Also, archive in print HG 5158 WEB Serials Desk to 1999 ● ●
GMID (Euromonitor Global Market Information) Remote access (Concordia ONLY) ●
Mergent Online *
See:
Industry Reports Remote access (Concordia ONLY) ●
Statistics Canada
Quarterly Financial Statistics for Enterprises,
61-008-XPB WEB Government Info Services ● ●
Financial & Taxation Statistics for
Enterprises, 61-219-XPB WEB Government Info Services ●
Small Business Profiles (electronic resource) WEB Government Info CD-ROM
Industry Canada ● ●
Also
http://strategis.ic.gc.ca/epic/internet/inpp-
Performance Plus: Build Your Own Profile pp.nsf/en/Home ● ●
** For Canadian Companies listed on an American stock exchange, see also Investment Information – U.S. (see page 5)
* available via the Internet – go to Databases link on the Library’s homepage: http://library.concordia.ca
2. Page 2
Canada – Investment Information continued
RRSP Yields/
Industry Data
Mutual Fund
Bond Yields
Information
Information
Company
Company
Business
Dividend
Analysis
Address
Balance
Profile
Prices
Name
Sheet
Stock
Ratio
Type
EPS
P/E
of
Sources of Company Information Location
Statistical Data, Stock Prices, Dividends
CFMRC (Canadian Financial Markets Research
Centre) * Remote access (Concordia ONLY) ●
CRSP (Centre for Research in Security Prices) * Remote access (Concordia ONLY) ●
Factiva.com ● ● ● ● ● ● ● ● ●
Use Companies/Markets tab Remote access (Concordia ONLY)
Globe and Mail. Daily newspaper WEB VAN Periodicals Desk ● ●
Gazette. Daily newspaper WEB VAN Periodicals Desk ● ●
Toronto Stock Exchange Review continued by: PER HG 5160 T6A1 WEB ● ● ● ● ● ●
TSX E-Review Remote access (Concordia ONLY) ● ● ● ● ● ●
TSX Venture Exchange Review PER HG 5160 C36A1 WEB ● ●
FP Dividends: Annual Record & 10 Year Price
Range HG 5158 A56 WEB Circ. Desk ● ● ●
FP Dividends via FP Advisor * Remote access (Concordia ONLY) ● ●
Stock Guide WEB REF Workstation 227 ● ● ● ● ● ● ●
Bonds
Financial Post FP Bonds. Corporate REF HG 5151 B67+ WEB Circ. Desk ● ●
Standard & Poor’s http://www.standardandpoors.com ●
Investment Advisory Services
Canadian Business Service
Investment Reporter REF HC 4503 C25+ WEB Circ. Desk ● ● ● ● ● ● ● ● ●
Blue Book of CBS Stock Reports REF HG 4501 C3322+ WEB ● ● ● ● ● ● ●
FP Advisor (Financial Post) *
See
Investor Reports Remote access (Concordia ONLY) ● ● ● ● ● ● ● ●
Graphoscope PER HG 5158 G7+ WEB ●
Investext Plus * Remote access (Concordia ONLY) ● ● ●
Value Line Investment Survey Remote access (Concordia ONLY) ● ● ● ● ●
* available via the Internet – go to Databases link on the Library’s homepage: http://library.concordia.ca
3. Page 3
Canada – Investment Information continued
RRSP Yields/
Industry Data
Mutual Fund
Information
Information
Company
Company
Business
Dividend
Analysis
Address
Balance
Profile
Prices
Bond Yields
Name
Sheet
Stock
Ratio
Type
EPS
P/E
of
Sources of Company Information Location
Investment Advisory Services - continued
To update corporate investment information:
ABI/INFORM Trade & Industry * Remote access (Concordia ONLY)
Business & Industry * Remote access (Concordia ONLY)
CBCA Complete * Remote access (Concordia ONLY)
Canadian Newstand * Remote access (Concordia ONLY) See also
CPI-Q * Remote access (Concordia ONLY)
Selected Reference Sources:
“Financial Ratios”
Eureka.cc (Quebec French newspapers) Remote access (Concordia ONLY) “Finance”
Factiva.com
Use Companies/Markets tab Remote access (Concordia ONLY)
Globe & Mail (also online in Factiva) WEB VAN Periodicals Desk
Lexis-Nexis
(available ONLY to Concordia students & faculty) REF WEB VAN
Tablebase * Remote access (Concordia ONLY)
Mutual Funds
Fund Profiler (for access, ask at Reference Desk) Webster Reference Area ●
National Post
FP Mutual Funds. Monthly Report WEB Periodicals Desk
available via the Internet – go to Databases link on the Library’s homepage: http://library.concordia.ca
4. Page 4
Canada – Investment Information continued
Net Income /
Employees
Number of
Revenue /
Principals’
Company
Rankings
Liabilities
Business
Earnings
Address
Assets /
Type of
Names
Name
Sales
Sources of Company Information Location
Annual Reports / Financials
Financial Post 500 companies’ Annual Reports –
last five (5) years WEB Periodicals: Corporate Annual Reports ● ● ● ● ● ● ●
Mergent Online * (includes annual reports, 1996 - ) Remote access (Concordia ONLY) ● ● ● ● ● ● ●
Crown Corporations Annual Reports WEB Government Information Services ● ● ● ● ● ● ●
SEDAR (public securities filings) 1997 - http://www.sedar.com ● ● ● ● ● ●
Rankings
Les Affaires 500 (annual) REF HC 117 Q4A235 WEB VAN ● ● ● ● ● ● ●
Canadian Business (June issue) ON RESERVE PER HC 111 C32 WEB Periodicals Desk ● ● ● ● ● ● ●
National Post
Business 500 ON RESERVE
(July issue of Business magazine) REF HD 2807 A1F5+ WEB Circulation Desk ● ● ● ● ● ● ●
Report on Business 1000 (July issue) PER HF 5001 R45 WEB Serials Desk ● ● ● ● ● ● ●
Corporate Directories
REF HD 2809 B6+ WEB VAN
Blue Book of Canadian Business Online in: Canadian Business Resource ● ● ● ● ● ● ●
Canadian Key Business Directory REF HF 5071 C35+ WEB Reference Desk ● ● ● ● ●
Greater Montreal and the North and South Shore
Businesses
REF HF 5072 M65R46 WEB Reference Desk ● ● ● ● ●
National Services Directory REF HD 9985 C2D85 WEB VAN Reference Desk ● ● ● ● ●
Regional Directory: Quebec REF FC 2947.22 D86 WEB Reference Desk ● ● ● ● ●
Trade Directories
http://strategis.ic.gc.ca/epic/site/ccc-
Canadian Company Capabilities* rec.nsf/en/Home ● ● ● ● ● ●
Canadian Trade Index http://www.ctidirectory.com ● ● ●
Scott’s Directories (Manufacturers) Ontario & Quebec REF T 12.5 C2S3 WEB ● ● ● ●
Répertoire des produits disponibles au http://www.icriq.com ● ● ●
Québec (CRIQ)
* available via the Internet – go to Databases link on the Library’s homepage: http://library.concordia.ca
5. Page 5
United States – Investment Information
Name Address
Dividend Info
Net Income /
Stock Prices
Employees
Number of
Principals’
Revenues
Bond Info
Company
P/E Ratio
Liabilities
Business
Financial
Earnings
Assets /
Type of
Names
Sales /
Ratios
EPS
Sources of Company
Information Location
Investment Services
Mergent Online * Remote access (Concordia ONLY) ● ● ● ● ● ● ● ● ● ● ●
Standard & Poor’s Corporation
Standard Corporation Descriptions REF HG 4501 S7663 WEB ● ● ● ● ● ● ● ● ● ● ● ●
Value Line Investment Survey Remote access (Concordia ONLY)
● ● ● ● ● ● ● ●
Annual Reports / Financials
Mergent Online* Remote access (Concordia ONLY) ● ● ● ● ● ● ● ● ● ● ●
SEC documents via EDGAR http://www.sec.gov/edgar.shtml ● ● ● ● ● ●
Also, many companies with WEB sites
Include annual reports.
Factiva.com Remote access (Concordia ONLY) ● ● ● ● ● ● ● ● ● ● ●
* available via the Internet – go to Databases link on the Library’s homepage: http://library.concordia.ca
6. Page 6
United States – Investment Information continued
Name Address
Net Income /
Mutual Fund
Employees
Dividend Info
Number of
Revenues
Stock Prices
Bond Info
Company
P/E Ratio
Liabilities
Business
Financial
Earnings
Assets /
Type of
Sales /
Ratios
Info.
Sources of Company
Information Location
Industry Surveys
GMID * (Euromonitor Global market
Information Database) Remote access (Concordia ONLY) ● ●
Mergent Online* ● ●
See: Industry Reports Remote access (Concordia ONLY)
Standard & Poor’s Corporation
S & P Analyst’s Handbook. REF HG 4519 S77 WEB ● ● ● ● ● ● ●
Standard & Poor’s Industry Surveys
Online * Remote access (Concordia ONLY) ● ● ● ● ● ● ● ● ●
Statistical Data: Bonds
Standard & Poor’s
Bond Guide (monthly) REF HG 4905 S6182 WEB ● ●
See also newspapers such as the Wall
Street Journal and the New York Times.
Stock Prices/Indexes
Dow Jones Averages, 1885-1995 REF HG 4915 D59 1996
Standard & Poor’s
Statistical Service. Monthly Updates REF HG 4921 S752 WEB
REF HG 4501 S73+ WEB
Outlook. Weekly
Circulation Desk ● ● ● ● ●
S & P Security price Index Record.
Biennial REF HG 4921 S752 WEB
Factiva.com Remote access (Concordia ONLY) ●
Mutual Funds
Factiva.com Remote access (Concordia ONLY) ●
Barron’s (February, May, August &
November Issues) REF HG 1 B3 WEB Periodicals Desk ● ● ●
Forbes. (Annual mutual fund August 15th)
ON RESERVE at Serials Desk. PER HG 5001 F67 WEB ●
* available via the Internet – go to Databases link on the Library’s homepage: http://library.concordia.ca
7. Page 7
United States – Investment Information continued
Net Income /
Revenues
Liabilities
Business
Earnings
Employees
Assets /
Type of
Number of
Sales /
Principals’
Company
Address
Sources of Company
Names
Name
Information Location
Rankings
Ward’s Business Directory of U.S. Private and Public REF HG 4057 A575 WEB
Companies ● ● ● ● ● ●
PER HF 5001 F7 WEB Periodicals Desk
Fortune 500. Annual (April and May issues) ● ● ●
Corporate and Trade Directories
Thomas Register of American Manufacturers *
and Thomas Register Catalog File
http://www.thomasnet.com/index.html (Open Access)
● ●
Who Own’s Whom – North America REF HG 4538 W423 WEB VAN ● ●
To update the above information
ABI/INFORM Global on ProQuest * Remote access (Concordia ONLY) If you need further assistance, please ask at
ABI/INFORM Trade & Industry * Remote access (Concordia ONLY)
the Reference Desk.
Business & Industry * Remote access (Concordia ONLY)
Factiva.com Remote access (Concordia ONLY) Revised by: S. Hoffman, Finance Librarian
Lexis-Nexis
(available ONLY to Concordia students & faculty) Reference Area WEB & VAN
February 2008
Mergent Online * Remote access (Concordia ONLY)
Tablebase * Remote access (Concordia ONLY)
* available via the Internet – go to Databases link on the Library’s homepage: http://library.concordia.ca