Upd 12/18/13: Learn to create fun and simple animations using Scratch! These slides are from my 2012 workshop with Library Link. If you would like more information, please e-mail me at LanoraTM@gmail.com. All images are used for educational purposes.
Detección de necesidades de capacitación en el sector público chileno. Encuesta aplicada a responsables de capacitación de servicios públicos en un Taller realizado en el año 2000 en la Escuela de Gobierno y Gestión Pública
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.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...
oshkosh Q206_Earnings_Presentation
1. Robert G. Bohn
Earnings Conference Call Chairman, President and Chief Executive Officer
Second Quarter Fiscal 2006 Charles L. Szews
May 2, 2006 Executive Vice President and Chief Financial Officer
2. Forward Looking Statements
Our remarks that follow, including answers to your questions and these slides, include
statements that we believe are “forward-looking statements” within the meaning of the Private
Securities Litigation Reform Act. All of our statements, other than statements of historical fact,
including statements regarding Oshkosh Truck’s future financial position, business strategy,
targets, projected sales, costs, earnings, capital expenditures and debt levels, and plans and
objectives of management for future operations, are forward-looking statements. In addition,
forward-looking statements generally can be identified by the use of words such as “expect,”
“intend,” “estimates,” “anticipate,” “believe,” “should,” “plans,” or similar words. We cannot
give any assurance that such expectations will prove to be correct. Some factors that could cause
actual results to differ materially from our expectations include the accuracy of assumptions
made with respect to our expectations for fiscal 2006 and beyond, the Company’s ability to
continue the turnaround of the business of the Geesink Norba Group sufficiently to support its
valuation resulting in no non-cash impairment charge for Geesink Norba Group goodwill, the
Company’s ability to increase its operating income margins at McNeilus, the ability of the
Company to recover steel and component cost increases from its customers, risks associated with
a three-phase enterprise resource planning system implementation at McNeilus, the expected
level of U.S. Department of Defense procurement of the Company’s products and services, the
cyclical nature of the Company’s commercial and fire and emergency markets, risks related to
reductions in government expenditures, the uncertainty of government contracts, the challenges
of identifying, completing and integrating acquisitions, the success of the launch of the
Revolution® drum, and risks associated with international operations. Additional information
concerning these and other factors is contained in our filings with the SEC, including our Form
8-K filed May 2, 2006. Except as set forth in such Form 8-K, we disclaim any obligation to update
such forward-looking statements.
2
3. Oshkosh Second Quarter 2006 Highlights
• Record Q2 financial results Second Quarter Results
– Sales increased 25.6% $1,000 $90
$79.7
$900
Operating Income (in millions)
$80
– Operating income grew 27.3% $800 $844.8
$62.6 $70
Sales (in millions)
– EPS increased 28.8% $700
$60
$672.4
$600 $35.1 $50
– Exceeded previous estimates $500
$518.2 $40
$400
• Re-affirmed fiscal 2006 $30
$300
EPS estimate range of
$20
$200
$10
$100
$2.55 - $2.65 $0 $0
2004 2005 2006
3
4. Stewart & Stevenson Services, Inc. Auction
• On March 30, 2006,
Oshkosh acknowledged
participation in auction
• Oshkosh cannot respond
to questions on the
auction or closely related
matters
Stewart & Stevenson manufactures
the U.S. Army’s Family of Medium
Tactical Vehicles.
4
5. Commercial
• Margin recovery continued in Q2
• Pre-buy due to 2007 diesel engine
emissions standards change
accelerated in Q2
– Expect segment sales to be strong
through Q1 of fiscal 2007
• Implementation of enterprise
resource planning system
The new Oshkosh S-Series Front-Discharge
continuing at measured pace Concrete Mixer with Revolution® drum was
introduced at the World of Concrete show in
– Not expected to cause production January 2006.
issues
5
6. Defense
• Strength of remanufacturing and
new truck business drove
exceptional results in Q2
– But, struggle continues to locate
vehicle carcasses for
remanufacturing
• No award made yet on LVSR
contract
• Bidding Australian Defence Forces
contract in May 2006
6
7. Fire and Emergency
• Anticipated dip in earnings
in Q2
– Airport product sales
heavily weighted to
second half
• Component issues also
delayed sales into Q3
• Successful FDIC fire
apparatus show
– Introduced 100’ aluminum
ladder
• Strong carrier and wrecker
orders
7
8. Consolidated Results
Dollars in millions
Second Quarter Comments
2005
2006 • Defense drove results
Net Sales $844.8 $672.4 despite $14.1 million
MTVR margin
% Growth 25.6% 29.7%
adjustment in 2005
Operating Income $ 79.7 $ 62.6
• Commercial results
% Margin 9.4% 9.3%
also up sharply
% Growth 27.3% 78.5%
• Fire and emergency
Earnings Per Share $ 0.67 $ 0.52
dip expected to be
% Growth 28.8% 67.7% temporary
8
9. Fire and Emergency
Dollars in millions
Second Quarter Comments
2005
2006 • Sharply lower airport
product sales, as
Net Sales $221.3 $213.2
anticipated
% Growth 3.8% 57.2%
• Two component
Operating Income $ 17.9 $ 19.0
issues delayed
% Margin 8.1% 8.9% revenue recognition
% Growth (5.9)% 69.5% • Recent price increase
spurred orders
• Backlog up 6.1%
9
10. Defense
Dollars in millions
Comments
Second Quarter
2005
2006 • Remanufactured and
new truck sales nearly
Net Sales $334.2 $209.6
doubled
% Growth 59.4% 24.7%
• MTVR margin
Operating Income $ 65.8 $ 49.4 adjustment of $14.1
% Margin 19.7% 23.6% million in Q2 of 2005
% Growth 33.2% 114.4% • Backlog up 17.0%
10
11. Commercial
Dollars in millions
Comments
Second Quarter
2005
2006 • Sales benefiting from
pre-buy
Net Sales $299.5 $255.3
• European refuse
% Growth 17.3% 17.2%
profitable in Q2; $1.5
Operating Income $ 15.3 $ 6.5 million operating loss
in Q2 of 2005
% Margin 5.1% 2.5%
• Price increases
% Growth 137.5% (31.6)%
benefiting earnings
• Backlog up 35.7%
11
12. Fiscal 2006 Estimates
Sales of $3.3 - $3.4 Billion, Up 11.5% - 15%
• Fire and emergency sales
expected to rise by low teens
percentage
• Defense sales expected to grow
22.5% to 27.0%
• Commercial sales expected to rise
by low single digits percentage
12
13. Fiscal 2006 Estimates
Operating Income of $307.0 - $320.0 Million,
Up 15% to 20%
• Anticipate flat margins in fire and emergency
• Expect defense margins to decline about 200
basis points
– No MTVR margin adjustments expected in 2006
• Expect commercial margins to double
– European refuse expected to be modestly
profitable
– U.S. margins expected to be up over 100 basis
points
13
14. Fiscal 2006 Estimates
Other Estimates
(Dollars in millions)
Fiscal
2006
Estimates
Interest expense and other $0.5 (income)
Effective tax rate 38.5%
Minority interest $0.5 (expense)
Equity in earnings $2.0
Average shares outstanding 75,000,000
14
15. Fiscal 2006 Estimates
• Annual EPS estimate range of $2.55 to $2.65,
up 17.0% to 21.6%
• Third quarter EPS of $0.53 to $0.57 compared
to $0.52 in third quarter of fiscal 2005
15
16. Fiscal 2006 Estimates
• Capital spending expected
to approximate $64 million
• Estimated balances at
September 30,2006
– Debt of $20.0 - $25.0 million
– Cash of $200.0 -
$225.0 million
16