The document is a transcript of Merck's third quarter 2008 earnings conference call. Key points:
- Merck reported another solid set of quarterly results but lowered its financial guidance for 2008 and 2010 due to challenges including manufacturing issues affecting vaccine supply.
- Revenue grew 5% excluding the loss of a drug's exclusivity, though this was offset by lower sales of vaccines and Singulair/Gardasil due to supply constraints and challenges increasing demand.
- Merck announced a restructuring program aimed at job cuts and cost savings to improve its financial outlook and position the company for long-term success.
This document is a transcript of Merck & Co.'s first quarter 2008 earnings conference call from April 21, 2008. In the call:
- Merck reported revenue growth of 1% for Q1 2008 and reaffirmed full-year guidance despite challenges.
- Sales of key products like Singulair, Cozaar, Hyzaar and Varivax grew, as did newer products like Januvia, Janumet, Gardasil and Isentress.
- However, sales from Merck's joint venture with Schering-Plough grew slower than expected, leading Merck to lower full-year equity income guidance by $700 million. Confusion following a clinical trial was
wal mart store Quarterly Earnings Releases2008finance1
This transcript summarizes Wal-Mart's Q1 2008 earnings call. Key points include:
- Total sales for Q1 2008 were $85.4 billion, an increase of 8.3% year-over-year. Net income rose 6.2% and EPS was $0.68 per share.
- International sales increased 18.5% led by strong growth in Mexico and the UK. Walmart US experienced challenges with comp sales up just 0.6%.
- Gross margins were down 8 basis points due to pressure in the US. Expenses were up 7 basis points but flat excluding a litigation charge. Inventory growth outpaced sales growth.
- The outlook for the rest of
Ryder System reported second quarter 2008 earnings per share of $1.10, which included a $0.12 charge related to prior years in their Brazilian supply chain operations. Excluding this charge, comparable EPS was $1.22, up 14% from the prior year. Total revenue was flat due to a reporting change for a supply chain customer, while operating revenue increased 5% driven by growth in Fleet Management Solutions. FMS revenue grew 16% and earnings increased 19%, helped by acquisitions and contractual revenue growth. Supply Chain Solutions earnings declined 56% due to operational issues in Brazil and automotive strikes in North America. Dedicated Contract Carriage earnings declined slightly due to higher insurance costs. Ryder repurch
Second Quarter Earnings Conference Call Transcriptfinance4
WellPoint reported strong financial results for Q2 2005, meeting earnings guidance for the 15th consecutive quarter. Revenue increased 146% year-over-year and 8% on a comparable basis, driven by membership growth and pricing discipline. Membership increased 4% from year-end to over 28.8 million, and grew 6% compared to a year ago on a comparable basis across all regions and customer types. The company resolved two lawsuits with physicians through an agreement that included a one-time $103 million pre-tax charge. WellPoint continues developing new products and expanding into underserved markets to provide affordable healthcare coverage and reduce the number of uninsured Americans.
wal mart store Quarterly Earnings Releases2009finance1
- Wal-Mart reported second quarter earnings for fiscal year 2009, with net sales of $101.6 billion, an increase of 10.4% from the prior year.
- Diluted earnings per share were $0.86, up 14.7% from $0.75 in the prior year second quarter.
- US comp store sales increased 4.5% excluding fuel, outperforming Wal-Mart's guidance for the quarter. Wal-Mart raised its full-year earnings guidance due to strong underlying operations.
In this document, Chevron reports on its Q4 2008 earnings conference call. Key details include:
- Chevron reported Q4 2008 net income of $4.9 billion, about the same as Q4 2007. Earnings per share increased 5% to $2.44 due to share repurchases.
- Total 2008 capital spending was $22.8 billion, in line with budget. The 2009 capital budget remains unchanged at $22.8 billion.
- Lower oil and gas prices reduced upstream earnings both in the US and internationally when compared to Q3 2008. Production increased between quarters due to project ramp-ups.
- Downstream earnings were flat in the US but increased internationally due to favorable
Chevron reported record third quarter earnings of $7.9 billion, more than double the third quarter of 2007 earnings. Higher crude oil and natural gas prices contributed to strong upstream performance, while improved margins and minimal refinery downtime benefited downstream operations. Total production for 2008 is estimated to be 2.55 million barrels per day, though hurricanes Gustav and Ike disrupted about 35,000 barrels per day of production. Fourth quarter production is forecast to be 2.62 million barrels per day as major projects come online.
Ryder System reported first quarter 2008 earnings per share of $0.96, exceeding their forecast of $0.84 to $0.87. Fleet Management Solutions saw revenue growth of 12% and earnings growth of 13% due to contractual revenue growth and acquisitions. Supply Chain Solutions operating revenue grew 6% but earnings declined 27% due to reduced customer activity and higher costs. Dedicated Contract Carriage earnings grew 9% due to improved performance. Total revenue declined 3% due to a reporting change but operating revenue grew 5%. Ryder repurchased over 1.5 million shares in the quarter and generated $119 million in free cash flow.
This document is a transcript of Merck & Co.'s first quarter 2008 earnings conference call from April 21, 2008. In the call:
- Merck reported revenue growth of 1% for Q1 2008 and reaffirmed full-year guidance despite challenges.
- Sales of key products like Singulair, Cozaar, Hyzaar and Varivax grew, as did newer products like Januvia, Janumet, Gardasil and Isentress.
- However, sales from Merck's joint venture with Schering-Plough grew slower than expected, leading Merck to lower full-year equity income guidance by $700 million. Confusion following a clinical trial was
wal mart store Quarterly Earnings Releases2008finance1
This transcript summarizes Wal-Mart's Q1 2008 earnings call. Key points include:
- Total sales for Q1 2008 were $85.4 billion, an increase of 8.3% year-over-year. Net income rose 6.2% and EPS was $0.68 per share.
- International sales increased 18.5% led by strong growth in Mexico and the UK. Walmart US experienced challenges with comp sales up just 0.6%.
- Gross margins were down 8 basis points due to pressure in the US. Expenses were up 7 basis points but flat excluding a litigation charge. Inventory growth outpaced sales growth.
- The outlook for the rest of
Ryder System reported second quarter 2008 earnings per share of $1.10, which included a $0.12 charge related to prior years in their Brazilian supply chain operations. Excluding this charge, comparable EPS was $1.22, up 14% from the prior year. Total revenue was flat due to a reporting change for a supply chain customer, while operating revenue increased 5% driven by growth in Fleet Management Solutions. FMS revenue grew 16% and earnings increased 19%, helped by acquisitions and contractual revenue growth. Supply Chain Solutions earnings declined 56% due to operational issues in Brazil and automotive strikes in North America. Dedicated Contract Carriage earnings declined slightly due to higher insurance costs. Ryder repurch
Second Quarter Earnings Conference Call Transcriptfinance4
WellPoint reported strong financial results for Q2 2005, meeting earnings guidance for the 15th consecutive quarter. Revenue increased 146% year-over-year and 8% on a comparable basis, driven by membership growth and pricing discipline. Membership increased 4% from year-end to over 28.8 million, and grew 6% compared to a year ago on a comparable basis across all regions and customer types. The company resolved two lawsuits with physicians through an agreement that included a one-time $103 million pre-tax charge. WellPoint continues developing new products and expanding into underserved markets to provide affordable healthcare coverage and reduce the number of uninsured Americans.
wal mart store Quarterly Earnings Releases2009finance1
- Wal-Mart reported second quarter earnings for fiscal year 2009, with net sales of $101.6 billion, an increase of 10.4% from the prior year.
- Diluted earnings per share were $0.86, up 14.7% from $0.75 in the prior year second quarter.
- US comp store sales increased 4.5% excluding fuel, outperforming Wal-Mart's guidance for the quarter. Wal-Mart raised its full-year earnings guidance due to strong underlying operations.
In this document, Chevron reports on its Q4 2008 earnings conference call. Key details include:
- Chevron reported Q4 2008 net income of $4.9 billion, about the same as Q4 2007. Earnings per share increased 5% to $2.44 due to share repurchases.
- Total 2008 capital spending was $22.8 billion, in line with budget. The 2009 capital budget remains unchanged at $22.8 billion.
- Lower oil and gas prices reduced upstream earnings both in the US and internationally when compared to Q3 2008. Production increased between quarters due to project ramp-ups.
- Downstream earnings were flat in the US but increased internationally due to favorable
Chevron reported record third quarter earnings of $7.9 billion, more than double the third quarter of 2007 earnings. Higher crude oil and natural gas prices contributed to strong upstream performance, while improved margins and minimal refinery downtime benefited downstream operations. Total production for 2008 is estimated to be 2.55 million barrels per day, though hurricanes Gustav and Ike disrupted about 35,000 barrels per day of production. Fourth quarter production is forecast to be 2.62 million barrels per day as major projects come online.
Ryder System reported first quarter 2008 earnings per share of $0.96, exceeding their forecast of $0.84 to $0.87. Fleet Management Solutions saw revenue growth of 12% and earnings growth of 13% due to contractual revenue growth and acquisitions. Supply Chain Solutions operating revenue grew 6% but earnings declined 27% due to reduced customer activity and higher costs. Dedicated Contract Carriage earnings grew 9% due to improved performance. Total revenue declined 3% due to a reporting change but operating revenue grew 5%. Ryder repurchased over 1.5 million shares in the quarter and generated $119 million in free cash flow.
El documento describe el sistema constructivo Quadror. Explica que Quadror es un sistema modular que puede usarse para construir estructuras de diferentes escalas, desde juguetes hasta edificios. Describe dos sistemas constructivos principales (sistema masivo y sistema frame) y varias aplicaciones del sistema Quadror a pequeña, mediana y gran escala como muebles, divisiones, puentes y fachadas de edificios.
This document summarizes the features of SmartBank Metal-Enclosed Power Capacitor Banks from Maysteel:
[1] The banks improve power factor in industrial, commercial, and utility applications, with ratings up to 30 MVAR in a single enclosure.
[2] They are available in both fixed and automatically switched designs up to 20 steps, for voltages from 2.4 kV through 34.5 kV.
[3] Key features include heavy-gauge steel enclosures, front and rear doors, integral control and protection systems, and meeting all relevant standards.
Non-traditional tools like secondary data analysis, expert interviews, competitor analysis, and channel interviews can help inform traditional consumer market research in 3 key ways:
1) They can help set priorities for consumer research by identifying promising geographic areas, product categories, and customer segments to focus on.
2) They can help formulate hypotheses for traditional research to test, related to topics like usage, buying behaviors, and competitor strengths.
3) They can provide important context for understanding findings from consumer research by offering insights into the market environment.
When used prior to traditional research, non-traditional tools can add significant value and competitive advantage to a consumer insights program.
Bihag Trivedi is seeking a senior managerial role in production and quality control with 14 years of experience. He has expertise in fabrication operations, quality assurance, and team management. Some of his responsibilities include spearheading production activities, monitoring quality standards, and ensuring timely project completion. He has worked as a factory manager for various companies in roles focused on production planning, vendor development, and maintaining certifications.
El profesor estaba nervioso por su primera clase pero los estudiantes estuvieron muy entusiasmados y participativos. El profesor presentó el tema de la clase, los objetivos y actividades de la unidad usando presentaciones de PowerPoint e videos. A pesar de las preocupaciones del profesor, los estudiantes prestaron atención a los videos y hicieron preguntas. Los estudiantes completaron con éxito una línea de tiempo sobre la historia del teatro y decoraron portafolios para la unidad, mostrando interés y comprensión. El profes
Este documento ofrece consejos para ahorrar dinero durante un Voluntariado Europeo en España. Proporciona ideas como compartir coche, viajar en bicicleta o transporte público, comprar billetes con antelación, utilizar servicios de comunicación basados en Internet, alojarse en albergues juveniles y aprovechar visitas guiadas gratuitas. El objetivo es ayudar a los voluntarios a sacar el máximo provecho de su dinero durante su estancia.
Hbsc2203 810809025494 teaching science for lower primary iiiKPM
This document is a report submitted by Rosyidah Ibrahim for her Teaching Science for Lower Primary III course. It contains two questions, the first on terminal velocity and the second on the theory of light and the sunset phenomenon. The report includes sections on terminal velocity, factors that affect it such as weight and orientation, and notable records in skydiving terminal velocity. It also discusses light as a wave and particle, theories of light throughout history, and how more scattering of blue light as the sun sets low in the sky creates red sunsets.
Tse This Email Has Been Voted The Best Email Of The Yearcris
This document provides a series of rhetorical questions intended to encourage gratitude and perspective. It prompts the reader to consider those who have faced greater hardships in order to appreciate what one has. It suggests enjoying life for what it is and recognizing that while some things may be unfair, others have it much worse. It encourages sharing this message to spread its message of gratitude.
This document provides safety guidance for using various hand tools, including hammers, sledgehammers, pickaxes, rakes, shovels, and hand saws. For each tool, it highlights potential hazards and recommends proper techniques to mitigate risks, such as inspecting tools for defects, using appropriate personal protective equipment, maintaining control of tools, and avoiding ergonomic stresses. The introduction notes some general safety measures that apply to all hand tools, like using task-specific PPE, proper storage, training, and pre-use inspections.
Mobiles Lernen. Grundlagen, Kontexte und didaktische Optionen.Judith S.
Mobiles Lernen. Grundlagen, Kontexte und didaktische Optionen.
Dr. Judith Seipold
London Mobile Learning Group (LMLG)
3. DaFWebkon 2014Deutsch lernen wird mobil!
15.03.2014, 11.00-11.45 Uhr
Este documento proporciona una introducción a las funcionalidades de la pestaña Relación en Scup para identificar usuarios estratégicos en redes sociales. Explica cómo usar filtros para encontrar usuarios según servicios, sentimiento, etiquetas o periodo. También describe el Identificador Social, que permite importar una lista de emails y recopilar información de perfiles asociados en redes sociales para integrarlos en Scup. Los informes del Identificador Social muestran datos demográficos e intereses de los usuarios encontrados.
Research-concept Michele Notari At Phbern ChMichele Notari
The document discusses a preliminary investigation for studying computer supported written communication and collaborative learning. It outlines a research approach to analyze written messages exchanged by students working in groups on a project. The study aims to measure typing efficiency and content quality of messages as indicators of communication capabilities. It also describes plans to code messages according to a communicative model of collaborative learning and determine needs to enhance computer supported written communication in project-based environments.
Viscount Systems (OTCQB:VSYS), a Canadian manufacturer of advanced physical access control systems combines traditional access control performance with cyber security (true convergence of logical and physical access) to increase security while driving down facility costs to secure offices, hospitals, critical infrastructure, schools, banks, and manufacturing. Our unique offering satisfies new US Federal Government standards for increased protection of facilities from external threats. http://viscount.com/
La Asociación Ferroviaria de Godella ofrece varias actividades relacionadas con los trenes a escala y el ferrocarril real para sus socios, como rodar trenes en miniatura en sus grandes maquetas, realizar viajes en trenes reales y de visitas a instalaciones ferroviarias, y participar en sesiones técnicas y eventos sociales sobre el ferrocarril. La asociación se encuentra en Godella, Valencia, y dispone de un gran local con maquetas de trenes en varias escalas, un taller y herramientas para
This document provides an overview of agile project management using Scrum. It describes Scrum as an iterative, incremental framework that employs self-organizing cross-functional teams. The key roles in Scrum include the Product Owner, who manages the product backlog; the Development Team, who do the work; and the Scrum Master, who ensures Scrum is followed. Main artifacts are the product and sprint backlogs. Events include sprint planning, daily stand-ups, sprint reviews and retrospectives. The document outlines the Scrum framework, roles, artifacts, events and definition of done. It emphasizes that Scrum must be implemented as a whole for it to be effective.
Social Media Marketing: Success Stories & Case Studies Vanessa CEO
This seminar analyzes examples of how companies and brands have been able to successfully put the power of social media marketing to advance their business success. The plan for this class is to analyze between 4 and 6 difference cases. Social media sites discussed include: Facebook, LinkedIn, Twitter & YouTube. The goal is also to attempt to help attendees convert their own social media business activity into a potential success stories.
Los nuevos retos de la política de rehabilitación urbana en la CAPVEKITEN-Thinking
Ponencia ofrecida por Pilar Garrido el día 29 de julio en el curso de Verano de Donostia-San Sebastián "Políticas Públicas de Vivivenda y Suelo en el contexto de Crisis Económica y Financiera"
O documento discute conceitos de marketing e comunicação. Em 3 frases:
Marketing engloba entender as necessidades do mercado, desenvolver produtos para atendê-las e vender esses produtos, além de manter relacionamento com clientes. Comunicação se refere a transmitir informações sobre um produto ou empresa. Marketing envolve também distribuição, preço e o próprio produto, diferentemente da comunicação que se concentra em transmitir mensagens.
The document is a transcript of a Merck & Co earnings conference call from February 3, 2009. It includes remarks from Merck executives about the company's financial results for Q4 2008 and full year 2008, as well as their outlook for 2009. Key points include:
- Merck reported 1% lower revenue for full year 2008 compared to 2007, but revenue was up 5% excluding the impact of a drug losing exclusivity.
- Performance of drugs like Januvia, Janumet, Isentress and RotaTeq was strong but Singular and Gardasil sales disappointed.
- Merck is continuing restructuring efforts to reduce costs and transform the company for the future operating environment.
The document is the transcript of a Q4 2008 earnings call by WellPoint, Inc. It includes:
1) WellPoint reported Q4 net income of $331 million, down from $859 million in Q4 2007, due to realized investment losses. Full year 2008 net income was $2.5 billion.
2) Membership increased 1% year-over-year to 35 million due to growth in national accounts and seniors, partially offset by losses in state-sponsored programs and individual/local groups.
3) Challenging economic conditions are expected to negatively impact commercial membership in 2009, though national enrollment exceeded expectations for January 1, 2009.
El documento describe el sistema constructivo Quadror. Explica que Quadror es un sistema modular que puede usarse para construir estructuras de diferentes escalas, desde juguetes hasta edificios. Describe dos sistemas constructivos principales (sistema masivo y sistema frame) y varias aplicaciones del sistema Quadror a pequeña, mediana y gran escala como muebles, divisiones, puentes y fachadas de edificios.
This document summarizes the features of SmartBank Metal-Enclosed Power Capacitor Banks from Maysteel:
[1] The banks improve power factor in industrial, commercial, and utility applications, with ratings up to 30 MVAR in a single enclosure.
[2] They are available in both fixed and automatically switched designs up to 20 steps, for voltages from 2.4 kV through 34.5 kV.
[3] Key features include heavy-gauge steel enclosures, front and rear doors, integral control and protection systems, and meeting all relevant standards.
Non-traditional tools like secondary data analysis, expert interviews, competitor analysis, and channel interviews can help inform traditional consumer market research in 3 key ways:
1) They can help set priorities for consumer research by identifying promising geographic areas, product categories, and customer segments to focus on.
2) They can help formulate hypotheses for traditional research to test, related to topics like usage, buying behaviors, and competitor strengths.
3) They can provide important context for understanding findings from consumer research by offering insights into the market environment.
When used prior to traditional research, non-traditional tools can add significant value and competitive advantage to a consumer insights program.
Bihag Trivedi is seeking a senior managerial role in production and quality control with 14 years of experience. He has expertise in fabrication operations, quality assurance, and team management. Some of his responsibilities include spearheading production activities, monitoring quality standards, and ensuring timely project completion. He has worked as a factory manager for various companies in roles focused on production planning, vendor development, and maintaining certifications.
El profesor estaba nervioso por su primera clase pero los estudiantes estuvieron muy entusiasmados y participativos. El profesor presentó el tema de la clase, los objetivos y actividades de la unidad usando presentaciones de PowerPoint e videos. A pesar de las preocupaciones del profesor, los estudiantes prestaron atención a los videos y hicieron preguntas. Los estudiantes completaron con éxito una línea de tiempo sobre la historia del teatro y decoraron portafolios para la unidad, mostrando interés y comprensión. El profes
Este documento ofrece consejos para ahorrar dinero durante un Voluntariado Europeo en España. Proporciona ideas como compartir coche, viajar en bicicleta o transporte público, comprar billetes con antelación, utilizar servicios de comunicación basados en Internet, alojarse en albergues juveniles y aprovechar visitas guiadas gratuitas. El objetivo es ayudar a los voluntarios a sacar el máximo provecho de su dinero durante su estancia.
Hbsc2203 810809025494 teaching science for lower primary iiiKPM
This document is a report submitted by Rosyidah Ibrahim for her Teaching Science for Lower Primary III course. It contains two questions, the first on terminal velocity and the second on the theory of light and the sunset phenomenon. The report includes sections on terminal velocity, factors that affect it such as weight and orientation, and notable records in skydiving terminal velocity. It also discusses light as a wave and particle, theories of light throughout history, and how more scattering of blue light as the sun sets low in the sky creates red sunsets.
Tse This Email Has Been Voted The Best Email Of The Yearcris
This document provides a series of rhetorical questions intended to encourage gratitude and perspective. It prompts the reader to consider those who have faced greater hardships in order to appreciate what one has. It suggests enjoying life for what it is and recognizing that while some things may be unfair, others have it much worse. It encourages sharing this message to spread its message of gratitude.
This document provides safety guidance for using various hand tools, including hammers, sledgehammers, pickaxes, rakes, shovels, and hand saws. For each tool, it highlights potential hazards and recommends proper techniques to mitigate risks, such as inspecting tools for defects, using appropriate personal protective equipment, maintaining control of tools, and avoiding ergonomic stresses. The introduction notes some general safety measures that apply to all hand tools, like using task-specific PPE, proper storage, training, and pre-use inspections.
Mobiles Lernen. Grundlagen, Kontexte und didaktische Optionen.Judith S.
Mobiles Lernen. Grundlagen, Kontexte und didaktische Optionen.
Dr. Judith Seipold
London Mobile Learning Group (LMLG)
3. DaFWebkon 2014Deutsch lernen wird mobil!
15.03.2014, 11.00-11.45 Uhr
Este documento proporciona una introducción a las funcionalidades de la pestaña Relación en Scup para identificar usuarios estratégicos en redes sociales. Explica cómo usar filtros para encontrar usuarios según servicios, sentimiento, etiquetas o periodo. También describe el Identificador Social, que permite importar una lista de emails y recopilar información de perfiles asociados en redes sociales para integrarlos en Scup. Los informes del Identificador Social muestran datos demográficos e intereses de los usuarios encontrados.
Research-concept Michele Notari At Phbern ChMichele Notari
The document discusses a preliminary investigation for studying computer supported written communication and collaborative learning. It outlines a research approach to analyze written messages exchanged by students working in groups on a project. The study aims to measure typing efficiency and content quality of messages as indicators of communication capabilities. It also describes plans to code messages according to a communicative model of collaborative learning and determine needs to enhance computer supported written communication in project-based environments.
Viscount Systems (OTCQB:VSYS), a Canadian manufacturer of advanced physical access control systems combines traditional access control performance with cyber security (true convergence of logical and physical access) to increase security while driving down facility costs to secure offices, hospitals, critical infrastructure, schools, banks, and manufacturing. Our unique offering satisfies new US Federal Government standards for increased protection of facilities from external threats. http://viscount.com/
La Asociación Ferroviaria de Godella ofrece varias actividades relacionadas con los trenes a escala y el ferrocarril real para sus socios, como rodar trenes en miniatura en sus grandes maquetas, realizar viajes en trenes reales y de visitas a instalaciones ferroviarias, y participar en sesiones técnicas y eventos sociales sobre el ferrocarril. La asociación se encuentra en Godella, Valencia, y dispone de un gran local con maquetas de trenes en varias escalas, un taller y herramientas para
This document provides an overview of agile project management using Scrum. It describes Scrum as an iterative, incremental framework that employs self-organizing cross-functional teams. The key roles in Scrum include the Product Owner, who manages the product backlog; the Development Team, who do the work; and the Scrum Master, who ensures Scrum is followed. Main artifacts are the product and sprint backlogs. Events include sprint planning, daily stand-ups, sprint reviews and retrospectives. The document outlines the Scrum framework, roles, artifacts, events and definition of done. It emphasizes that Scrum must be implemented as a whole for it to be effective.
Social Media Marketing: Success Stories & Case Studies Vanessa CEO
This seminar analyzes examples of how companies and brands have been able to successfully put the power of social media marketing to advance their business success. The plan for this class is to analyze between 4 and 6 difference cases. Social media sites discussed include: Facebook, LinkedIn, Twitter & YouTube. The goal is also to attempt to help attendees convert their own social media business activity into a potential success stories.
Los nuevos retos de la política de rehabilitación urbana en la CAPVEKITEN-Thinking
Ponencia ofrecida por Pilar Garrido el día 29 de julio en el curso de Verano de Donostia-San Sebastián "Políticas Públicas de Vivivenda y Suelo en el contexto de Crisis Económica y Financiera"
O documento discute conceitos de marketing e comunicação. Em 3 frases:
Marketing engloba entender as necessidades do mercado, desenvolver produtos para atendê-las e vender esses produtos, além de manter relacionamento com clientes. Comunicação se refere a transmitir informações sobre um produto ou empresa. Marketing envolve também distribuição, preço e o próprio produto, diferentemente da comunicação que se concentra em transmitir mensagens.
The document is a transcript of a Merck & Co earnings conference call from February 3, 2009. It includes remarks from Merck executives about the company's financial results for Q4 2008 and full year 2008, as well as their outlook for 2009. Key points include:
- Merck reported 1% lower revenue for full year 2008 compared to 2007, but revenue was up 5% excluding the impact of a drug losing exclusivity.
- Performance of drugs like Januvia, Janumet, Isentress and RotaTeq was strong but Singular and Gardasil sales disappointed.
- Merck is continuing restructuring efforts to reduce costs and transform the company for the future operating environment.
The document is the transcript of a Q4 2008 earnings call by WellPoint, Inc. It includes:
1) WellPoint reported Q4 net income of $331 million, down from $859 million in Q4 2007, due to realized investment losses. Full year 2008 net income was $2.5 billion.
2) Membership increased 1% year-over-year to 35 million due to growth in national accounts and seniors, partially offset by losses in state-sponsored programs and individual/local groups.
3) Challenging economic conditions are expected to negatively impact commercial membership in 2009, though national enrollment exceeded expectations for January 1, 2009.
cardinal health Q1 2009 Earnings Transcriptfinance2
- Cardinal Health reported financial results for Q1 2009 with overall double-digit revenue and profit growth. Revenue increased 11% to $24.3 billion while operating earnings decreased 6% to $482 million.
- Earnings from continuing operations decreased 16% to $268 million due to weaker performance from HSCS, increased interest and other expenses, and a higher tax rate.
- HSCS revenue increased 11% to $23.4 billion due to strong growth across medical and pharmaceutical businesses. However, segment profit decreased 16% due to previously announced customer repricing.
- CMP revenue increased 12% to due to product installations, international growth, and acquisitions. Segment profit increased 15% due to
This document is a transcript of Aon Corporation's first quarter 2008 earnings conference call. The call discusses Aon's financial results for Q1 2008, including organic revenue growth, margin expansion, and increased earnings per share. Aon's CEO highlights continued progress on key commitments and investments across the business. The CFO then reviews the financial results in more detail and discusses restructuring efforts and their impact on expenses and margins.
This document is the transcript of Aon Corporation's second-quarter 2008 earnings conference call. The call discusses Aon's financial performance in the second quarter of 2008, with an emphasis on organic revenue growth, adjusted pretax margin, and adjusted earnings per share. Aon's CEO notes that the company achieved progress on all three metrics despite soft market conditions. The transcript also covers Aon's continued investments in areas like retail brokerage, reinsurance, and consulting to strengthen its client capabilities globally.
This document provides the transcript from Aon Corporation's third quarter 2008 earnings conference call. The call discusses Aon's financial results for Q3 2008, including organic revenue growth of 2% and adjusted EPS growth of 33% year-over-year. Aon executives note continued progress on key commitments of organic growth, margin expansion, and EPS growth despite difficult market conditions. They also highlight ongoing investments across the business and growth in various regions.
Second Quarter 2008 Earnings Conference Call Transcript finance4
WellPoint reported its second quarter 2008 earnings. Some key points:
- Net income was $1.44 per share, including realized losses of $0.03 per share.
- Premiums and revenues reached record levels again. Expense ratios declined sequentially.
- Membership increased 1.5% year-over-year to 35.3 million members. Self-funded membership now comprises 52% of the total.
- The company expects full-year 2008 EPS between $5.42-$5.57, including realized losses of $0.06 per share.
The document is the transcript of Centex Corporation's Q1 2009 earnings conference call from July 30, 2008. In the call, Tim Eller, Chairman and CEO of Centex, notes that housing market conditions worsened in the quarter with falling sales and closings. However, Centex built a strong cash position of $1.24 billion. Cathy Smith, CFO, states that Centex's homebuilding operations were cash flow positive for the first time in Q1 before receiving a $600 million tax refund. Centex remains focused on improving profitability and transitioning to a more efficient build-to-order model.
Third Quarter 2008 Earnings Conference Call Transcript finance4
WellPoint hosted a quarterly earnings call to discuss its Q3 2008 results. Key highlights include:
- Net income for Q3 2008 was $821 million, or $1.60 per share, up 10% and 11% year-over-year and quarter-over-quarter respectively.
- Membership increased 2% year-over-year to 35.3 million members as of September 30, 2008.
- Full-year 2008 EPS guidance was revised to a range of $5.43 to $5.49 per share.
- Challenging economic conditions and state budget issues impacted some business lines, but overall results were solid and performance improvement plans are having a positive effect
cardinal health Q1 2008 Earnings Transcriptfinance2
Cardinal Health reported solid financial results for Q1 2008, with sales up 5% and operating earnings up 9%. However, the Supply Chain Pharma segment performed below expectations, with market factors and poor execution dampening growth. Clinical and Medical Products continued its strong growth, with revenues up 25% and profits up 60%, driven by demand for medication management and infection prevention technologies. While disappointed in Supply Chain Pharma, Cardinal is making changes to improve execution and remains on track to meet full-year EPS guidance, expecting improved performance in the second half from increased generics and operational improvements.
The document is the transcript of Aon Corporation's fourth quarter 2008 earnings conference call. In the call, Greg Case, President and CEO of Aon, discusses Aon's financial performance for Q4 2008. He notes that Aon achieved 2% organic revenue growth, a 120 basis point increase in adjusted pre-tax margin, and a 19% increase in adjusted EPS. Case also discusses Aon's continued investments in areas like reinsurance and emerging markets, as well as the challenges posed by the weak global economy. Christa Davies, Aon's CFO, provides additional financial details, noting costs from acquisitions and restructuring activities.
CIT Group reported earnings for Q3 2008. Key points:
- Revenues were down from non-spread income like loan sales and syndications due to challenging market conditions.
- Credit costs increased as the economic outlook darkened, with charge-offs expected to be higher in 2009 than 2008.
- Liquidity was strengthened through over $11 billion in new financing, including prepaid bank borrowings and debt buybacks.
- Vendor Finance underperformed and a restructuring is underway to improve profitability, while Trade and Transportation Finance continued strong performance.
CIT Group reported their third quarter 2008 earnings. Key points included that CIT remains very liquid with plans to meet obligations for at least 12 months without unsecured bond markets. Their balance sheet is strong with improved tangible capital ratios. During the quarter, CIT increased reserves for credit losses as the economy has deteriorated. Going forward, CIT will focus on liquidity, balance sheet management, and tightened credit underwriting as they actively manage new business originations and anticipate declining volumes.
CIT Group reported earnings for Q3 2008. Key points:
- Revenues were down from non-spread income like loan sales and syndications due to challenging market conditions.
- Credit costs increased as the economic outlook darkened, with charge-offs expected to be higher in 2009 than 2008.
- Actions were taken to improve liquidity, including debt repayments and new funding facilities. However, new business originations were down due to tighter underwriting.
- Vendor Finance underperformed and a restructuring is underway to improve profitability, while Trade and Transportation Finance continued strong performance.
CIT Group reported earnings for the first quarter of 2008. The commercial finance divisions performed well with a combined return on equity of 12%, however losses from the home lending and student loan portfolios contributed to an overall loss for the company. CIT outlined plans to reduce assets by $5-7 billion through sales, cut the dividend, explore strategic options for the rail division, and pursue additional liquidity and capital. Management remains focused on the core commercial finance businesses and serving customers during this challenging time.
CIT Group reported earnings for the first quarter of 2008. The commercial finance divisions performed well with a combined return on equity of 12%, however losses from the home lending and student loan portfolios contributed to an overall loss for the company. CIT outlined plans to reduce assets by $5-7 billion through sales, cut the dividend, explore strategic options for the rail division, and pursue additional liquidity and capital. Management remains focused on the core commercial finance businesses and serving customers during this challenging time.
CIT Group reported their first quarter 2008 earnings. The CEO discussed strategic actions taken to improve liquidity including reducing staff by over 500 employees, selling over $5.5 billion in assets, cutting the dividend by 60%, exploring strategic alternatives for the rail business, and continuing discussions to secure additional liquidity and capital. While the commercial finance franchises performed respectably, provisions were taken for the home lending and student lending portfolios due to housing market declines. The CEO believes strategic actions taken will enhance shareholder value and position the company for the future.
This document is the transcript of an earnings call for Eastman Kodak Company for Q2 2008.
The key points are:
1) Kodak reported revenue growth of 1% for Q2 driven by digital camera, printer, and digital plate sales, offset by declines in traditional film.
2) Gross profit margins declined to 23.5% due to higher commodity costs and investments in consumer inkjet and digital printing.
3) Kodak announced a $125 million increase in investments in consumer inkjet, digital printing, and workflow products.
4) For the full year, Kodak expects revenue growth of 0-2% and earnings from operations at the low
Hewlett-Packard reported their Q4 2008 earnings. Key points:
- Revenue grew 19% year-over-year to $33.6 billion, up 16% excluding EDS acquisition.
- Non-GAAP operating profit grew 21% to $3.4 billion, or 10.1% of revenue.
- Non-GAAP EPS grew 20% to $1.03.
- Personal Systems revenue grew 10% to $11.2 billion, with notebook revenue up 21%.
- Imaging and Printing revenue declined 1% to $7.5 billion, with supplies revenue up 9%.
- Enterprise Storage and Servers revenue declined 1% to $5.
Eastman Kodak Company reported financial results for the fourth quarter of 2008. The global economic downturn significantly impacted results. However, Kodak was able to generate $472 million in cash during the quarter through a focus on improving working capital. Looking ahead, Kodak will reduce costs through job cuts of 3,500 to 4,500 positions in 2009 in order to lower expenses by $300-350 million annually. The company will also rationalize its product portfolio to focus resources on core growth opportunities.
This document contains slides from an American Airlines presentation given by Gerard Arpey, Chairman & CEO. It discusses several topics:
1) Safe harbor statements noting forward-looking statements are subject to risk factors.
2) Rising oil prices, showing a graph of prices rising from $58 in 2007 to over $134 in mid-2008, offsetting the company's $6 billion in cost reductions.
3) New baggage and change fees announced to offset rising fuel costs, expected to generate several hundred million dollars.
This document contains a presentation by Beverly Goulet, Vice President of Corporate Development and Treasurer of an unnamed company, covering various topics:
1) It includes statements regarding forward-looking comments being subject to risk factors that could affect actual results.
2) Slide 3 discusses the company's fuel hedging for 3Q08 and full year 2008.
3) Slide 20 shows the company's net debt levels from 2002-2008, which have increased significantly.
The presentation provides an overview of the company's financial performance, fuel costs and hedging, debt levels, and other key metrics.
Credit Suisse Group Global Airline Conference Presentationfinance11
This document contains a presentation by Beverly Goulet, Vice President of Corporate Development and Treasurer of an unnamed company. The presentation includes slides on the company's 3Q08 results showing a net loss compared to earnings in the prior year. Additional slides provide details on oil prices, the company's hedging strategy, total debt levels, planned 2009 capacity reductions, new and modified fees, investments in the future, and alliances. The presentation contains forward-looking statements and refers readers to SEC filings and a webcast for further information.
- The document is a letter informing stockholders about AMR Corporation's 2004 Annual Meeting of Stockholders to be held on May 19, 2004 at the American Airlines Training & Conference Center in Fort Worth, Texas.
- Stockholders are invited to attend and vote on items of business including electing 12 directors, ratifying the selection of Ernst & Young LLP as independent auditors, and considering two stockholder proposals.
- Instructions are provided for stockholders on how to vote, including voting online, by telephone, or by returning a proxy card, and details on admission to the annual meeting by ticket.
The document is a notice from AMR Corporation inviting stockholders to attend its 2005 Annual Meeting of Stockholders on May 18, 2005 at 8:00am at the American Airlines Training & Conference Center in Fort Worth, Texas. It provides information on the items of business to be voted on, including the election of directors, ratification of auditors, and a stockholder proposal. Stockholders of record as of March 21, 2005 are entitled to vote. Admission to the meeting will require an admission ticket or proof of stock ownership.
The document is a notice from AMR Corporation inviting shareholders to attend its 2006 Annual Meeting of Stockholders on May 17, 2006. It provides information on voting procedures and requirements for attendance. Shareholders as of March 20, 2006 are entitled to vote. The meeting will be held at the American Airlines Training & Conference Center in Fort Worth, Texas, where admission will require a ticket or proof of stock ownership.
AMR 2006 Shareholders’ Meeting Voting Resultsfinance11
All 13 nominees for Director were elected at American Airlines' 2006 stockholders meeting on May 17, 2006. Over 93% of shares were voted, with 176 million shares represented. Ernst & Young was ratified as the independent auditor with over 99% of votes in favor. Proposals relating to term limits for outside directors, majority vote requirements, separation of CEO/Chairman roles, and cumulative voting all failed to pass, receiving only around 30% support or less.
The document is a letter inviting stockholders to attend AMR Corporation's annual meeting on May 16, 2007. It provides details on the meeting location, eligibility to vote, and how to submit a proxy vote by internet, phone, or mail. Stockholders are encouraged to vote as their input is important. Management will provide updates and answer questions at the meeting.
AMR 2007 Shareholders’ Meeting Voting Resultsfinance11
At the American Airlines 2007 stockholders meeting on May 16, 2007:
- All 12 nominees for the board of directors were elected, with over 90% of shares voted.
- Stockholders ratified the selection of Ernst & Young LLP as independent auditors for 2007 with over 98% of votes for.
- Stockholder proposals relating to cumulative voting, special shareholder meetings, performance based stock options, and advisory resolution to ratify executive compensation all failed to pass, receiving less than 55% of votes.
The document is a notice for the annual stockholder meeting of AMR Corporation to be held on May 21, 2008. It provides details on the meeting such as time, location, items of business to be addressed which include electing directors, ratifying auditors, and considering four stockholder proposals. It also covers eligibility to attend, requirements to vote, and quorum details. Stockholders are encouraged to vote by proxy in advance of the meeting.
AMR 2008 Shareholders’ Meeting Voting Resultsfinance11
1. All 13 nominees for Director were elected at the 2008 Stockholders Meeting with a minimum of 181,494,763 votes for.
2. The ratification of Ernst & Young LLP as independent auditors for 2008 was approved with 98.45% of votes for and 1.55% against.
3. A stockholder proposal relating to cumulative voting for election of directors was rejected with 30.80% of votes for and 69.20% against.
AMR Corporation had a very successful 1998 financially. The company reported record net earnings of $1.3 billion, a 33.4% increase over 1997. AMR's strong performance was driven by robust demand for air travel and lower fuel prices, enabling the airline businesses to increase revenues without significant fare discounting. AMR also made progress across its key strategic objectives - growing its airline networks, improving customer service, and expanding The Sabre Group's technology solutions business.
This document is the annual report for AMR Corporation for the year 2000. It discusses the company's improved financial performance for the year, including net earnings of $752 million compared to $543 million in 1999. It summarizes strategic initiatives undertaken in 2000 related to safety, service, product, technology, culture, and network - the six areas of the company's Airline Leadership Plan. These initiatives include fleet expansion, onboard comfort enhancements, technology investments, employee programs, and network growth through regional jets and international partnerships. The report also outlines major acquisitions announced in 2001 that will significantly expand American Airlines' fleet and network by acquiring assets from TWA, US Airways, and a stake in DC Air.
The document discusses the challenges American Airlines faced in 2001, including a slowing economy before September 11th and the devastating impacts of the terrorist attacks on September 11th and the loss of Flight 587 in November. It describes the cost-cutting measures American took, such as reducing capacity, retiring aircraft, cutting capital and operating expenses. It highlights that despite the difficulties, American completed the acquisition and integration of TWA and continued its More Room Throughout Coach campaign. The letter closes by stating that while 2001 brought great challenges, American's values and principles will guide it going forward.
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy VisaAmit Kakkar
Discover essential details about Thailand's recent visa policy changes, tailored for tourists and students. Amit Kakkar Easy Visa provides a comprehensive overview of new requirements, application processes, and tips to ensure a smooth transition for all travelers.
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
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.
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
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OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
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STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."