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The document discusses Corus Entertainment's accounts receivable turnover ratio, which has increased over the past three years. A higher ratio is preferable as it means the company is converting receivables into cash more often. The ratio increasing is a positive sign for the company, and was due to growing sales and declining accounts receivable.
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Эффективный интернет-маркетинг (2014)
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Chapter 3Understanding FinancialStatements and Cash Flow.docx
Chapter 3
Understanding Financial
Statements
and Cash Flows
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
Learning Objectives
Compute a company’s profits as reflected by its income statement.
Determine a firm’s financial position at a point in time based on its balance sheet.
Measure a company’s cash flows.
Explain the difference between GAAP and IRFS.
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
2
2
Learning Objectives
Compute taxable income and income taxes owed.
Describe the limitations of financial statements.
Calculate a firm’s free cash flows and financing cash flows.
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
3
3
THE INCOME
STATEMENT
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
The Income Statement
It is also known as Profit/Loss Statement
It measures the results of firm’s operation over a specific period.
The bottom line of the income statement shows the firm’s profit or loss for a period.
Sales – Expenses = Profits
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
5
5
Income Statement Terms
Revenue (Sales)
Money derived from selling the company’s product or service
Cost of Goods Sold (COGS)
The cost of producing or acquiring the goods or services to be sold
Operating Expenses
Expenses related to marketing and distributing the product or service, general administrative expenses and depreciation expense
Financing Costs
The interest paid to creditors
Tax Expenses
Amount of taxes owed, based upon taxable income
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
6
6
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
7
7
Common-Sized
Income Statement
Common-sized income statement restates the income statement items as a percentage of sales.
Common-sized income statement makes it easier to compare trends over time and across firms in the industry.
See Table 3.1
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
Profit-to-Sales Analysis from Common-Sized Income Statement
See Table 3.1
Gross profit margin (or percentage of sales going towards gross profit) is 61.1%
Operating profit margin (or percentage
of sales going towards operating profit) is 21.1%
Net profit margin (or percentage of sales going towards net profit) is 15.4%
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
THE BALANCE SHEET
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
The Balance Sheet
The balance sheet provides a snapshot of a firm’s financial position at a particular date.
It includes three main items: assets, liabilities, and owner-supplied capital (shareholders’ equity).
Assets (A) are resources owned by the firm.
Liabilities (L) and owner’s equity (E) indicate how those resources are financed:
A = L + E
The transactions in balance sheet are recorded at cost price, so the book value of a firm may be very different from .
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Что такое аналитика в маркетинге, зачем она нужна, и как ее готовить
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Chapter 3Understanding FinancialStatements and Cash Flow.docx
Chapter 3
Understanding Financial
Statements
and Cash Flows
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
Learning Objectives
Compute a company’s profits as reflected by its income statement.
Determine a firm’s financial position at a point in time based on its balance sheet.
Measure a company’s cash flows.
Explain the difference between GAAP and IRFS.
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
2
2
Learning Objectives
Compute taxable income and income taxes owed.
Describe the limitations of financial statements.
Calculate a firm’s free cash flows and financing cash flows.
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
3
3
THE INCOME
STATEMENT
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
The Income Statement
It is also known as Profit/Loss Statement
It measures the results of firm’s operation over a specific period.
The bottom line of the income statement shows the firm’s profit or loss for a period.
Sales – Expenses = Profits
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
5
5
Income Statement Terms
Revenue (Sales)
Money derived from selling the company’s product or service
Cost of Goods Sold (COGS)
The cost of producing or acquiring the goods or services to be sold
Operating Expenses
Expenses related to marketing and distributing the product or service, general administrative expenses and depreciation expense
Financing Costs
The interest paid to creditors
Tax Expenses
Amount of taxes owed, based upon taxable income
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
6
6
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
7
7
Common-Sized
Income Statement
Common-sized income statement restates the income statement items as a percentage of sales.
Common-sized income statement makes it easier to compare trends over time and across firms in the industry.
See Table 3.1
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
Profit-to-Sales Analysis from Common-Sized Income Statement
See Table 3.1
Gross profit margin (or percentage of sales going towards gross profit) is 61.1%
Operating profit margin (or percentage
of sales going towards operating profit) is 21.1%
Net profit margin (or percentage of sales going towards net profit) is 15.4%
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
THE BALANCE SHEET
© 2017 Pearson Education, Inc. All rights reserved.
3-‹#›
The Balance Sheet
The balance sheet provides a snapshot of a firm’s financial position at a particular date.
It includes three main items: assets, liabilities, and owner-supplied capital (shareholders’ equity).
Assets (A) are resources owned by the firm.
Liabilities (L) and owner’s equity (E) indicate how those resources are financed:
A = L + E
The transactions in balance sheet are recorded at cost price, so the book value of a firm may be very different from .
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Running head FINANCIAL ANALYSIS OF LOWE’S COMPANY .docx
Running head: FINANCIAL ANALYSIS OF LOWE’S COMPANY 1
FINANCIAL ANALYSIS OF LOWE’S COMPANY 11
Financial Analysis of Lowe’s Company
Introduction
Lowes Company is a national store that was founded in the year 1948. The company was first opened in North Carolina and it was among the first retailer companies in America back then. The company mainly dealt with home equipment and appliances. Moreover, the company is said to have been generating huge revenues back then when it began. The company continued to thrive in its operations as it opened up approximately 2390 stores across the world. The company also promoted social responsibility in the society as it has so far employed around 310, 000 individuals in its stores worldwide. However, in the past years, the performance of the company began deteriorating and a financial analysis has to be carried out in order to know the problem.
Body
Common size income statement
year
2018
2017
2016
2015
Net sales
100
100
100
100
Cost of sales
65.89
65.45
65.18
65.21
Gross margin
34.11
34.55
34.82
34.79
Selling, general exp
22.41
23.27
23.88
23.61
Depreciation and amortization
2.11
2.29
2.53
2.66
Operating income
9.60
8.99
8.41
8.52
Interest expense
0.93
1.00
0.93
0.92
Amortization
0.02
0.02
0.01
0.01
Interest income
0.02
0.02
0.01
0.01
Interest net
0.92
0.99
0.93
0.92
Loss on extinguishment of debt
0.68
-
-
-
Pre-tax earnings
8.00
8.00
7.48
7.61
Income tax provisions
2.98
3.24
3.17
2.81
Net earnings
5.02
4.76
4.31
4.80
A common size financial statement is a document that is used in doing comparison of financial information. The values of the common size income statement are normally converted as a percentage of the returns. From the common size income statement it is clear that the cost of sales increases over the years. The cost of sales in 2015 was 65.21 and in 2018 the cost of sales was 65.89. However, the gross margin is decreasing over the years. A gross margin is the amount that is the revenue that is collected in each commodity that is sold. The decrease in the gross margin is an indicator that the company is not performing well financially. Companies should have a high gross margin so that they can be able to meet other financial obligations.
Moreover, from the common size financial statement of analysis, it can be seen that the pretax earnings decreased slightly in 2015 and 2016 and then remained stable for the next two years[footnoteRef:1]. In addition, the interest net, interest income and the amortization are a clear indication that the company is carrying out proper investments using the shareholders property and wealth. The extra investments will enable the company to have a high debt to equity ratio and eventually the return on equity will increase greatly. Firms that have a high return on equity also have a greater ability to meet the day to day expenses. Therefore, firms are.
The text file Ass1_Task1_POIs.txt can be used as the required te.docx
The text file "Ass1_Task1_POIs.txt" can be used as the required text file for Task 1 of Assignment 1.
You are welcome to make your own text file.
In this file, each row is a building. There are 3 numbers in each row.
The first number is the type of building.
The next 2 numbers are the coordinates of the building (i.e. an x value and a y value).
The x and y values are between 0 and 100, to 2 decimal places. They are separated by a comma (",").
Below are the types of buildings that each ID number refers to:
1. Petrol Station
2. Taxi Stand
3. ATM
4. Hospital
5. Shopping Centre
Email me or post on the forums if you have any questions: [email protected]
TEMPLATE
Summary Report for CBI for the Canadian Expansion
Recommended Capital Structured Approach and my Recommendation with Justification
As Competition Bikes, Inc. expands, I have been requested to look north towards Canada as a possible investiture of business assets into the Canadian Marketplace for possible expansion. Having done a thorough examination and looking over the numerous options that may allow you to further review the possible expansion into Canada; I have deliberated the resulting tabulations as the ones that may be your most optimal solutions, based on the present economy, our own financial standing and Canadian markets. It is important to remember that the allotment of time is a section of five years. Specifically those are Year 9 to Year 13. This is accompanied with the goal of amassing approximately $600,000 for expansion. Here are 6 possible options that I will offer.
1st Fund Expansion with 100% Issuance of Bonds valued at 9%
2nd Fund Expansion with 60% Issuance of Bonds valued at 9%, with an additional release of 40% of Common Stock.
3rd Fund Expansion with 40% Issuance of Bonds valued at 9%, with an additional release of 60% of Common Stocks.
4th Fund Expansion with 20% Issuance of Bonds, valued at 9%, with an additional release of 80% of Common Stocks.
5th Issue a joint Stock Option of 50% Preferred and 50% Common Stocks.
6th Take a Bank Loan with 6% Interest for 5 Years (Year 9 – 13) with minimal return over the duration of the loan.
Each one of these six suggestions has a positive and a negative. From the get-go, let’s immediately dismiss the 6th suggestion. A Bank Loan with almost no return for five years is a bad idea. We would be required to have a minimum balance, and that money could be much better spent elsewhere, investing it in our company for better productivity. Bank Loans almost always carry with them minimum requirements, or minimum balances; neither of which will benefit our company. As I see it, we have a pair of good options available to us. Choice number 5 and Choice number 4.
Having looked over all of the choices listed, if we take a long-term approach; it would seem that our Choice number 5 would seem the more viable for our growth and expansion. Although Choice number 4 would certainly offer us a nicer short term re ...
Flowserve Corp FLS2Flowserve Corp FLS2.docx
Flowserve Corp FLS
2
Flowserve Corp FLS
2
Assignment: Research Project Part 1
Date: June 2, 2019
Ratio Analysis
Background and Industry
Flowserve is an American corporation in industrial and environmental machinery. The company was established in 1997 as a merger between Durco and BW/ IP with it is headquartered in Dallas, Texas. The company is making products include end face mechanical seas, pumps, valves as well as the provision of automation services for the oil and gas, chemical and power industries. The company has an operation on over 50 counties with 18,000 employees[footnoteRef:1]. The company is publicly traded and is registered in the New York stocks exchange. One of Flowserve’s main competitor is Honeywell Inc., which will be compared to the Flowserve’s financial performance [1: About Flowserve (Flowserve)]
Common size analysis
Common size table[footnoteRef:2] [2: The data in the table from (Morningstar, Inc)and (Morningstar, Inc)]
2017
2018
2018
Gross profit
FLS
30.85
29.65
30.99
HON
30.92
31.94
30.52
total operating expenses
FLS
24.18
24.69
24.62
HON
13.92
14.33
14.48
operating income
FLS
6.67
4.96
6.37
HON
17
17.64
16.04
net income
FLS
3.63
0.12
3.26
HON
12.25
4.08
16.18
total current assets
FLS
49.16
52.11
51.62
HON
42.58
43.78
42.17
PPE
FLS
14.86
15.26
13.68
HON
10.7
9.98
9.17
total current liabilities
FLS
24.84
25.31
23.42
HON
30.16
31.75
32.75
long term debt
FLS
31.32
30.54
30.65
HON
22.5
21.17
16.89
total liabilities
FLS
65.25
66.3
64.42
HON
64.23
70.91
68.53
retained earnings
FLS
76.58
71.36
76.75
HON
53.02
47.58
58.81
The common size analysis of the income statement shows that both corporations have recorded relatively stable gross profit in the last three years, which are marginally close to each other. Flowserve marginally declined by 1% in 2017 while Honeywell has recorded a similar decline in 2018. However, Flowserve has very high operating expenses, which are 90% more than the excess recorded by its peer. This indicates that Honeywell has higher risks of earning profits compared to its rival, which has lower operating expenses. The high operating expenses have contributed to the low net incomes and the operating incomes reported by Flowserve compared to its peer. Flowserve operating incomes are lower, about half of those reported by its peer in the market while the net incomes are closer to 4 times lower than its peers. This trend indicates that Flowserve has challenges with the operating costs, which have made the company report very low operating and net incomes compared to its peer.
Flowserve has higher current assets and the plant, properties, and equipment than its peer. The larger amount of asset held has a lower contribution to the company profits compared to its rival who have reported higher earnings but lower current and the PPE. Both companies hold large a.
Mien Phi Tai 10 Bai Assignment Mau Tu Moi Chu De
Mien Phi Tai 10 Bai Assignment Mau Tu Moi Chu De
---------
Bài viết dưới đây chia sẻ các bài assignment mẫu tiêu biểu, đạt điểm cao. Các bạn cùng tìm hiểu luôn nhé.
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Running head FINANCIAL ANALYSIS OF LOWE’S COMPANY .docx
Running head: FINANCIAL ANALYSIS OF LOWE’S COMPANY 1
FINANCIAL ANALYSIS OF LOWE’S COMPANY 11
Financial Analysis of Lowe’s Company
Introduction
Lowes Company is a national store that was founded in the year 1948. The company was first opened in North Carolina and it was among the first retailer companies in America back then. The company mainly dealt with home equipment and appliances. Moreover, the company is said to have been generating huge revenues back then when it began. The company continued to thrive in its operations as it opened up approximately 2390 stores across the world. The company also promoted social responsibility in the society as it has so far employed around 310, 000 individuals in its stores worldwide. However, in the past years, the performance of the company began deteriorating and a financial analysis has to be carried out in order to know the problem.
Body
Common size income statement
year
2018
2017
2016
2015
Net sales
100
100
100
100
Cost of sales
65.89
65.45
65.18
65.21
Gross margin
34.11
34.55
34.82
34.79
Selling, general exp
22.41
23.27
23.88
23.61
Depreciation and amortization
2.11
2.29
2.53
2.66
Operating income
9.60
8.99
8.41
8.52
Interest expense
0.93
1.00
0.93
0.92
Amortization
0.02
0.02
0.01
0.01
Interest income
0.02
0.02
0.01
0.01
Interest net
0.92
0.99
0.93
0.92
Loss on extinguishment of debt
0.68
-
-
-
Pre-tax earnings
8.00
8.00
7.48
7.61
Income tax provisions
2.98
3.24
3.17
2.81
Net earnings
5.02
4.76
4.31
4.80
A common size financial statement is a document that is used in doing comparison of financial information. The values of the common size income statement are normally converted as a percentage of the returns. From the common size income statement it is clear that the cost of sales increases over the years. The cost of sales in 2015 was 65.21 and in 2018 the cost of sales was 65.89. However, the gross margin is decreasing over the years. A gross margin is the amount that is the revenue that is collected in each commodity that is sold. The decrease in the gross margin is an indicator that the company is not performing well financially. Companies should have a high gross margin so that they can be able to meet other financial obligations.
Moreover, from the common size financial statement of analysis, it can be seen that the pretax earnings decreased slightly in 2015 and 2016 and then remained stable for the next two years[footnoteRef:1]. In addition, the interest net, interest income and the amortization are a clear indication that the company is carrying out proper investments using the shareholders property and wealth. The extra investments will enable the company to have a high debt to equity ratio and eventually the return on equity will increase greatly. Firms that have a high return on equity also have a greater ability to meet the day to day expenses. Therefore, firms are.
The text file Ass1_Task1_POIs.txt can be used as the required te.docx
The text file "Ass1_Task1_POIs.txt" can be used as the required text file for Task 1 of Assignment 1.
You are welcome to make your own text file.
In this file, each row is a building. There are 3 numbers in each row.
The first number is the type of building.
The next 2 numbers are the coordinates of the building (i.e. an x value and a y value).
The x and y values are between 0 and 100, to 2 decimal places. They are separated by a comma (",").
Below are the types of buildings that each ID number refers to:
1. Petrol Station
2. Taxi Stand
3. ATM
4. Hospital
5. Shopping Centre
Email me or post on the forums if you have any questions: [email protected]
TEMPLATE
Summary Report for CBI for the Canadian Expansion
Recommended Capital Structured Approach and my Recommendation with Justification
As Competition Bikes, Inc. expands, I have been requested to look north towards Canada as a possible investiture of business assets into the Canadian Marketplace for possible expansion. Having done a thorough examination and looking over the numerous options that may allow you to further review the possible expansion into Canada; I have deliberated the resulting tabulations as the ones that may be your most optimal solutions, based on the present economy, our own financial standing and Canadian markets. It is important to remember that the allotment of time is a section of five years. Specifically those are Year 9 to Year 13. This is accompanied with the goal of amassing approximately $600,000 for expansion. Here are 6 possible options that I will offer.
1st Fund Expansion with 100% Issuance of Bonds valued at 9%
2nd Fund Expansion with 60% Issuance of Bonds valued at 9%, with an additional release of 40% of Common Stock.
3rd Fund Expansion with 40% Issuance of Bonds valued at 9%, with an additional release of 60% of Common Stocks.
4th Fund Expansion with 20% Issuance of Bonds, valued at 9%, with an additional release of 80% of Common Stocks.
5th Issue a joint Stock Option of 50% Preferred and 50% Common Stocks.
6th Take a Bank Loan with 6% Interest for 5 Years (Year 9 – 13) with minimal return over the duration of the loan.
Each one of these six suggestions has a positive and a negative. From the get-go, let’s immediately dismiss the 6th suggestion. A Bank Loan with almost no return for five years is a bad idea. We would be required to have a minimum balance, and that money could be much better spent elsewhere, investing it in our company for better productivity. Bank Loans almost always carry with them minimum requirements, or minimum balances; neither of which will benefit our company. As I see it, we have a pair of good options available to us. Choice number 5 and Choice number 4.
Having looked over all of the choices listed, if we take a long-term approach; it would seem that our Choice number 5 would seem the more viable for our growth and expansion. Although Choice number 4 would certainly offer us a nicer short term re ...
Flowserve Corp FLS2Flowserve Corp FLS2.docx
Flowserve Corp FLS
2
Flowserve Corp FLS
2
Assignment: Research Project Part 1
Date: June 2, 2019
Ratio Analysis
Background and Industry
Flowserve is an American corporation in industrial and environmental machinery. The company was established in 1997 as a merger between Durco and BW/ IP with it is headquartered in Dallas, Texas. The company is making products include end face mechanical seas, pumps, valves as well as the provision of automation services for the oil and gas, chemical and power industries. The company has an operation on over 50 counties with 18,000 employees[footnoteRef:1]. The company is publicly traded and is registered in the New York stocks exchange. One of Flowserve’s main competitor is Honeywell Inc., which will be compared to the Flowserve’s financial performance [1: About Flowserve (Flowserve)]
Common size analysis
Common size table[footnoteRef:2] [2: The data in the table from (Morningstar, Inc)and (Morningstar, Inc)]
2017
2018
2018
Gross profit
FLS
30.85
29.65
30.99
HON
30.92
31.94
30.52
total operating expenses
FLS
24.18
24.69
24.62
HON
13.92
14.33
14.48
operating income
FLS
6.67
4.96
6.37
HON
17
17.64
16.04
net income
FLS
3.63
0.12
3.26
HON
12.25
4.08
16.18
total current assets
FLS
49.16
52.11
51.62
HON
42.58
43.78
42.17
PPE
FLS
14.86
15.26
13.68
HON
10.7
9.98
9.17
total current liabilities
FLS
24.84
25.31
23.42
HON
30.16
31.75
32.75
long term debt
FLS
31.32
30.54
30.65
HON
22.5
21.17
16.89
total liabilities
FLS
65.25
66.3
64.42
HON
64.23
70.91
68.53
retained earnings
FLS
76.58
71.36
76.75
HON
53.02
47.58
58.81
The common size analysis of the income statement shows that both corporations have recorded relatively stable gross profit in the last three years, which are marginally close to each other. Flowserve marginally declined by 1% in 2017 while Honeywell has recorded a similar decline in 2018. However, Flowserve has very high operating expenses, which are 90% more than the excess recorded by its peer. This indicates that Honeywell has higher risks of earning profits compared to its rival, which has lower operating expenses. The high operating expenses have contributed to the low net incomes and the operating incomes reported by Flowserve compared to its peer. Flowserve operating incomes are lower, about half of those reported by its peer in the market while the net incomes are closer to 4 times lower than its peers. This trend indicates that Flowserve has challenges with the operating costs, which have made the company report very low operating and net incomes compared to its peer.
Flowserve has higher current assets and the plant, properties, and equipment than its peer. The larger amount of asset held has a lower contribution to the company profits compared to its rival who have reported higher earnings but lower current and the PPE. Both companies hold large a.
Mien Phi Tai 10 Bai Assignment Mau Tu Moi Chu De
Mien Phi Tai 10 Bai Assignment Mau Tu Moi Chu De
---------
Bài viết dưới đây chia sẻ các bài assignment mẫu tiêu biểu, đạt điểm cao. Các bạn cùng tìm hiểu luôn nhé.
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tenet healthcare QuarterEndedDecember312008PreparedRemarks
tenet healthcare QuarterEndedDecember312008PreparedRemarks
tenet healthcare QuarterEndedDecember312008PreparedRemarks
tenet healthcare QuarterEndedDecember312008PreparedRemarks
tenet healthcare QuarterEndedDecember312008PreparedRemarks
tenet healthcare QuarterEndedDecember312008PreparedRemarks
Running head FINANCIAL ANALYSIS OF LOWE’S COMPANY .docx
Running head FINANCIAL ANALYSIS OF LOWE’S COMPANY .docx
The text file Ass1_Task1_POIs.txt can be used as the required te.docx
The text file Ass1_Task1_POIs.txt can be used as the required te.docx
More from mscuttle
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what is a pi whale and how to access one.
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
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how to sell pi coins on Bitmart crypto exchange
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
Falcon Invoice Discounting: Optimizing Returns with Minimal Risk
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.
NO1 Uk Black Magic Specialist Expert In Sahiwal, Okara, Hafizabad, Mandi Bah...
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how can I sell/buy bulk pi coins securely
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
US Economic Outlook - Being Decided - M Capital Group August 2021.pdf
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.
what is the best method to sell pi coins in 2024
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 sell pi coins on Binance exchange
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
USDA Loans in California: A Comprehensive Overview.pptx
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 to sell pi coins effectively (from 50 - 100k pi)
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
how to sell pi coins in South Korea profitably.
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
一比一原版UOL毕业证利物浦大学毕业证成绩单如何办理
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3:国家专业人才认证中心颁发入库证书
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7:个人信誉贷款加10分→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
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how to sell pi coins at high rate quickly.
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
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how to sell pi coins effectively (from 50 - 100k pi)
how to sell pi coins effectively (from 50 - 100k pi)
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