- Nearly 40% of Americans still prefer to pay with cash, while only 22% prefer credit or debit cards.
- Americans who use cards say they struggle to stay on top of their spending and are unable to grow their savings.
- The biggest disadvantage of using cash for 38% of Americans is banks charging high fees for withdrawing money from ATMs.
KVS & DSSSB - PRT, TGT Mock Test With Answers - CGS CoachingCGS Coaching .
KVS & DSSSB - PRT, TGT Mock Test With Answers - CGS Coaching
dsssb coaching in delhi,dsssb coaching in gtb nagar,dsssb coaching in saket,dsssb coaching in uttam nagar,dsssb coaching in nirman vihar,dsssb coaching in jaipur,dsssb coaching in varanasi,dsssb prt coaching in delhi,dsssb prt coaching in gtb nagar,dsssb prt coaching in saket,dsssb prt coaching in uttam nagar,dsssb prt coaching in nirman vihar,dsssb prt coaching in jaipur,dsssb prt coaching in varanasi,dsssb tgt coaching in delhi,dsssb tgt coaching in gtb nagar,dsssb tgt coaching in saket,dsssb tgt coaching in uttam nagar,dsssb tgt coaching in nirman vihar,dsssb tgt coaching in jaipur,dsssb tgt coaching in varanasi,dsssb pgt coaching in delhi,dsssb pgt coaching in gtb nagar,dsssb pgt coaching in saket,dsssb pgt coaching in uttam nagar,dsssb pgt coaching in nirman vihar,dsssb pgt coaching in jaipur,dsssb pgt coaching in varanasi,
This document contains an English exam with multiple choice questions testing grammar, vocabulary, and reading comprehension. It includes questions about parts of speech, word stress, grammar corrections, vocabulary in context, pronoun references, and a reading passage about how the internet has changed how people access and store information. The exam tests both knowledge of English and ability to understand written texts.
The Albatross and the GoatCase 3Spring, 2014 REVISED 328Hen.docxmattinsonjanel
The Albatross and the Goat
Case 3
Spring, 2014 REVISED 3/28
Henry has decided to buy the Goat Farm. Now he needs to figure out how to finance this business. He is asking for your help.
Fortunately you remember that your friend from CMU, you know, the one with the Led Zeppelin tattoo on their ____, somehow managed to get a job with the investment banking firm of Lehman Brothers. Oops, forget that one. Didn’t that real smart girl get a job with Merrill Lyn . . . Darn it. Maybe Morgan Stanley, nope. Who should we call?
Of course you call Rowe, Rowe, and Rowe (RRR). They were a small trading firm specializing in Treasury bills. Since Treasury bills were the only thing trading for awhile, they are doing real well and just bought out two of the big guys at about 2 cents on the dollar. But you already heard all that on Twitter. Anyway, RRR provided the following:
Alternative #1: All equity. Ks = 10%
Alternative #2: Borrow $300,000 at Kd = 5% and issue equity at Ks = 11%
Alternative #3: Borrow $600,000 at Kd = 6% and issue equity at Ks = 12%
Alternative #4: Borrow $900,000 at Kd = 8% and issue equity at Ks = 14%
They also recommended that the company shoot for a market value debt ratio under 40%, a times interest earned of at least 5, and a degree of combined leverage less than 8. But they probably recommend those numbers to everybody. And of course Henry is free to do what he wants, as long as he has enough money to buy the business.
Henry wants to maximize the value of this new venture in the event that he should decide to sell. However, he is cognizant of risk.
A) Based on what you know about this company and the fact that they plan to pay dividends equal to Actual Cash
Flow, do you feel it more appropriate to assume that the business ends after 20 years OR that it is sold as a
perpetuity based on year 20 cash flows? Explain why.
B) Use data from earlier cases, as needed. Ignore the growth rate. Create a functional spreadsheet to do the following:
1) For each alternative, re-calculate Net Income adjusting for the interest expense, if any.
2) Calculate a fair market value for equity (S) based on Ks and the ACTUAL Cash Flows = (NPAT + Externality + Depr.). In year 20 treat the project cash flows as becoming a perpetuity.
3)
Calculate the following for each alternative:
a) Company value (V) at time zero = MV Equity (S) + Debt (D)
b) D/V at time zero
c) TIE for year 1
d) Probability of loss in year 1. Use Standard Deviation of Net Income = $200,000.
e) DCL for year 1. Use the same fixed vs. variable designation of cost as in earlier cases.
f) WACC at time zero calculated as WACC = (D/V * Kd * (1-t)) + ((1- D/V) * Ks)
4)
Which, if any, of these capital structures do you recommend? Explain why.
BONUS: 10 points to solve for the Revenue level ($ or Quantity) that gives the same market value of the firm for capital structures #2 and #3? Hint: This is pretty easy if you set up a spreadsheet. (In Excel go to “Data / What-If-Analysis / G ...
If I won $15 million in the lottery, I would likely invest some of the money, spend on my family and friends, donate to charity, and treat myself. While winning a huge sum would feel amazing and change my life, there may be some drawbacks like unwanted attention.
The document provides instructions for requesting writing assistance from HelpWriting.net. It outlines a 5-step process: 1) Create an account with a password and email. 2) Complete a 10-minute order form providing instructions, sources, and deadline. 3) Review bids from writers and select one based on qualifications. 4) Review the completed paper and authorize payment if satisfied. 5) Request revisions to ensure satisfaction, with a full refund option for plagiarized work.
The document describes a past MAT (Management Aptitude Test) paper from May 2006. It provides information about 6 plays - A, B, C, D, E and F - that are to be organized from Monday to Saturday of one week. It lists the conditions for organizing the plays: there are two plays between C and D, one play between A and C, one play between F and E, E must be organized before F, B must be organized before A but not immediately, and the organization does not start with B. It then provides 25 multiple choice questions related to deducing the organization of the plays from the given information. It also provides information about members of a family and their relationships and professions, and
- Nearly 40% of Americans still prefer to pay with cash, while only 22% prefer credit or debit cards.
- Americans who use cards say they struggle to stay on top of their spending and are unable to grow their savings.
- The biggest disadvantage of using cash for 38% of Americans is banks charging high fees for withdrawing money from ATMs.
KVS & DSSSB - PRT, TGT Mock Test With Answers - CGS CoachingCGS Coaching .
KVS & DSSSB - PRT, TGT Mock Test With Answers - CGS Coaching
dsssb coaching in delhi,dsssb coaching in gtb nagar,dsssb coaching in saket,dsssb coaching in uttam nagar,dsssb coaching in nirman vihar,dsssb coaching in jaipur,dsssb coaching in varanasi,dsssb prt coaching in delhi,dsssb prt coaching in gtb nagar,dsssb prt coaching in saket,dsssb prt coaching in uttam nagar,dsssb prt coaching in nirman vihar,dsssb prt coaching in jaipur,dsssb prt coaching in varanasi,dsssb tgt coaching in delhi,dsssb tgt coaching in gtb nagar,dsssb tgt coaching in saket,dsssb tgt coaching in uttam nagar,dsssb tgt coaching in nirman vihar,dsssb tgt coaching in jaipur,dsssb tgt coaching in varanasi,dsssb pgt coaching in delhi,dsssb pgt coaching in gtb nagar,dsssb pgt coaching in saket,dsssb pgt coaching in uttam nagar,dsssb pgt coaching in nirman vihar,dsssb pgt coaching in jaipur,dsssb pgt coaching in varanasi,
This document contains an English exam with multiple choice questions testing grammar, vocabulary, and reading comprehension. It includes questions about parts of speech, word stress, grammar corrections, vocabulary in context, pronoun references, and a reading passage about how the internet has changed how people access and store information. The exam tests both knowledge of English and ability to understand written texts.
The Albatross and the GoatCase 3Spring, 2014 REVISED 328Hen.docxmattinsonjanel
The Albatross and the Goat
Case 3
Spring, 2014 REVISED 3/28
Henry has decided to buy the Goat Farm. Now he needs to figure out how to finance this business. He is asking for your help.
Fortunately you remember that your friend from CMU, you know, the one with the Led Zeppelin tattoo on their ____, somehow managed to get a job with the investment banking firm of Lehman Brothers. Oops, forget that one. Didn’t that real smart girl get a job with Merrill Lyn . . . Darn it. Maybe Morgan Stanley, nope. Who should we call?
Of course you call Rowe, Rowe, and Rowe (RRR). They were a small trading firm specializing in Treasury bills. Since Treasury bills were the only thing trading for awhile, they are doing real well and just bought out two of the big guys at about 2 cents on the dollar. But you already heard all that on Twitter. Anyway, RRR provided the following:
Alternative #1: All equity. Ks = 10%
Alternative #2: Borrow $300,000 at Kd = 5% and issue equity at Ks = 11%
Alternative #3: Borrow $600,000 at Kd = 6% and issue equity at Ks = 12%
Alternative #4: Borrow $900,000 at Kd = 8% and issue equity at Ks = 14%
They also recommended that the company shoot for a market value debt ratio under 40%, a times interest earned of at least 5, and a degree of combined leverage less than 8. But they probably recommend those numbers to everybody. And of course Henry is free to do what he wants, as long as he has enough money to buy the business.
Henry wants to maximize the value of this new venture in the event that he should decide to sell. However, he is cognizant of risk.
A) Based on what you know about this company and the fact that they plan to pay dividends equal to Actual Cash
Flow, do you feel it more appropriate to assume that the business ends after 20 years OR that it is sold as a
perpetuity based on year 20 cash flows? Explain why.
B) Use data from earlier cases, as needed. Ignore the growth rate. Create a functional spreadsheet to do the following:
1) For each alternative, re-calculate Net Income adjusting for the interest expense, if any.
2) Calculate a fair market value for equity (S) based on Ks and the ACTUAL Cash Flows = (NPAT + Externality + Depr.). In year 20 treat the project cash flows as becoming a perpetuity.
3)
Calculate the following for each alternative:
a) Company value (V) at time zero = MV Equity (S) + Debt (D)
b) D/V at time zero
c) TIE for year 1
d) Probability of loss in year 1. Use Standard Deviation of Net Income = $200,000.
e) DCL for year 1. Use the same fixed vs. variable designation of cost as in earlier cases.
f) WACC at time zero calculated as WACC = (D/V * Kd * (1-t)) + ((1- D/V) * Ks)
4)
Which, if any, of these capital structures do you recommend? Explain why.
BONUS: 10 points to solve for the Revenue level ($ or Quantity) that gives the same market value of the firm for capital structures #2 and #3? Hint: This is pretty easy if you set up a spreadsheet. (In Excel go to “Data / What-If-Analysis / G ...
If I won $15 million in the lottery, I would likely invest some of the money, spend on my family and friends, donate to charity, and treat myself. While winning a huge sum would feel amazing and change my life, there may be some drawbacks like unwanted attention.
The document provides instructions for requesting writing assistance from HelpWriting.net. It outlines a 5-step process: 1) Create an account with a password and email. 2) Complete a 10-minute order form providing instructions, sources, and deadline. 3) Review bids from writers and select one based on qualifications. 4) Review the completed paper and authorize payment if satisfied. 5) Request revisions to ensure satisfaction, with a full refund option for plagiarized work.
The document describes a past MAT (Management Aptitude Test) paper from May 2006. It provides information about 6 plays - A, B, C, D, E and F - that are to be organized from Monday to Saturday of one week. It lists the conditions for organizing the plays: there are two plays between C and D, one play between A and C, one play between F and E, E must be organized before F, B must be organized before A but not immediately, and the organization does not start with B. It then provides 25 multiple choice questions related to deducing the organization of the plays from the given information. It also provides information about members of a family and their relationships and professions, and
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.
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
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.
The Rise and Fall of Ponzi Schemes in America.pptxDiana Rose
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
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!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
"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.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
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.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
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.
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
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.
The Rise and Fall of Ponzi Schemes in America.pptxDiana Rose
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
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!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
"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.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
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.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
4. In Pairs...
Is anyone here saving money to buy
something?
If so, what are you planning to buy?
How much will it cost?
How much longer will you need to save before you
can buy it?
How much do you usually spend each month on
entertainment?
If someone gave you a lot of money, what
would you do with it?
5. Some Money Proverbs...
Explain these proverbs: What do they mean?
Say them in other English words.
The best things in life are free.
Time is money.
Save your pennies for a rainy day.
Money talks.
You can't take it with you when you go.
Money doesn't grow on trees
6.
7. Task
I will ask you a series of questions on the next
few slides
In groups decide which is the right answer
Write down your answer
Switch papers with the opposite team and mark
their answers
8. Question 1
It's an excellent university, but the _____ are
rather high.
(a)Fares
(b)Fees
(c)Prices
9. Question 2
I made my _____ buying and selling stocks.
(a)fortune
(b)treasure
(c)wealthy
10. Question 3
I bought this coat on sale. It was _____ by 1000p
(a)on sale
(b)decreased
(c)reduced
11. Question 4
There's a small hall to _____ on Ulista
Sherbakova.
(a) Borrow
(b) Hire
(c) Lease
12. Question 5
I haven't got enough money for lunch. Could you
_____ me some?
(a) Borrow
(b) Let
(c) Lend
43. For Next Week
Read through the vocabulary Builder
I will send you the questions we will discuss by
email, think about your answers (Everyone will
have a question to answer)
44. Debate Questions
1.Is it good to be a millionaire? Give a reason for your
answer Masha O
2.Is it good to be wealthy?
3.What are your views about buying things on credit?
4.Does happiness depend on how much money one
has? Julia
5.Some people say that "money makes the world go
around." Do you agree? Why or why not? Irina
6.Which do you think is more important, love or money?
Explain your answer Masha
45. In a marriage, do you think one person should
handle the finances, or both?
Can money cause problems in a person's
life?Give an example and explain your answer
Lera
Should children get an allowance (pocket
money) from their parents?
Is it better to pay cash or by credit card? Dima
Are credits cards a good thing?
46. Why do people often want more money, no matter how
much they have got?
Why are poor people in many cases more generous
than rich people?
What are some reasons for people being poor? Can
poverty be avoided?
Do you think that riches can have a bad effect on a
person? How?
Can a person be rich without having a lot of money or
possessions? How?