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
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
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.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
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how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
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Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
3. Forward-Looking Statements and
Non-GAAP Financial Information
Our discussions during this conference call will include forward-
looking statements. Actual results could differ materially from
those projected in the forward-looking statements. The factors
that could cause actual results to differ are discussed in Pfizer’s
2007 Annual Report on Form 10-K and in our reports on Form
10-Q and Form 8-K.
Also, the discussions during this conference call will include
certain financial measures that were not prepared in accordance
with U.S. generally accepted accounting principles. Reconciliations
of those non-U.S. GAAP financial measures to the most directly
comparable U.S. GAAP financial measures can be found in Pfizer’s
Current Report on Form 8-K dated October 21, 2008.
These reports are available on our website at www.pfizer.com in
the quot;Investors—SEC Filingsquot; section.
3
4. Third Quarter 2008
Earnings Teleconference
Opening Remarks
Jeff Kindler
Chairman & Chief Executive Officer
5. Third Quarter 2008
Earnings Teleconference
Financial Review
Frank D’Amelio
Senior Vice President &
Chief Financial Officer
6. Third-Quarter 2008
Income Statement Highlights
($ Millions, Except Per-Share Amounts)
Third Quarter Year To Date
2008 2007 Change 2008 2007 Change
Reported Revenues $11,973 $11,990 -- $35,950 $35,548 1%
Reported Net Income 2,278 761 199% 7,838 5,420 45%
Reported Diluted EPS 0.34 0.11 209% 1.16 0.78 49%
Adjusted Revenues(1) 12,159 11,950 2% 36,030 35,414 2%
Adjusted Income(1) 4,180 3,963 5% 11,977 11,711 2%
Adjusted Diluted EPS(1) 0.62 0.58 7% 1.77 1.68 5%
Adjusted Revenues(1), Income(1) and Diluted EPS(1) Increased
On Both a Quarterly and Year to Date Basis
(1) Adjusted Income and its components and Adjusted Diluted EPS are defined as Reported Net Income and its components and
Reported Diluted EPS, excluding Purchase Accounting Adjustments, Acquisition-Related Costs, Discontinued Operations and
Certain Significant Items.
6
7. Third-Quarter 2008
Certain Significant Items
($ Millions, on a Pre-Tax Basis)
Third Quarter Year to Date
2008 2007 2008 2007
Restructuring Charges $338 $437 $1,077 $2,267
Implementation Costs 378 373 1,140 864
Total Cost-Reduction Initiatives 716 810 2,217 3,131
Exubera-Related Charges -- 2,804 -- 2,804
Litigation-Related Matters 936 35 936 61
Returns Liabilities Adjustment 217 -- 217 --
Other 162 10 246 19
Total Certain Significant Items $2,031 $3,659 $3,616 $6,015
Charges Related to Cost-Reduction Initiatives Declined;
Litigation-Related Matters and Returns Adjustment
Reduced Reported Diluted EPS
7
8. Third-Quarter 2008
Quarterly
Adjusted Income(1) Components
($ Millions, Except Per-Share Amounts)
Third Quarter
2008 2007 Change
Revenues(1) $12,159 $11,950 2%
Cost of Sales(1) 1,760 1,810 (3%)
SI&A Expenses(1) 3,429 3,638 (6%)
R&D Expenses(1) 1,769 1,730 2%
Provision for Income Taxes(1) 1,199 1,099 9%
Adjusted Income(1) $4,180 $3,963 5%
Adjusted Diluted EPS(1) $0.62 $0.58 7%
Adjusted Diluted EPS(1) Growth Primarily Related to Higher
Revenues and Lower Total Costs;
EPS Growth Outpacing Revenue Growth - Positive Leverage
(1) See Slide 6 for definition.
8
9. Third-Quarter 2008
Year-to-Date
Adjusted Income(1) Components
($ Millions, Except Per-Share Amounts)
Year to Date
2008 2007 Change
Revenues(1) $36,030 $35,414 2%
Cost of Sales(1) 5,596 5,427 3%
SI&A Expenses(1) 10,534 10,688 (1%)
R&D Expenses(1) 5,276 5,384 (2%)
Provision for Income Taxes(1) 3,274 3,271 --
Adjusted Income(1) $11,977 $11,711 2%
Adjusted Diluted EPS(1) $1.77 $1.68 5%
Adjusted Revenues(1), Income(1) and Diluted EPS(1)
Increased Year Over Year
(1) See Slide 6 for definition.
9
10. Third-Quarter 2008
Factors Impacting
Adjusted Income(1) Components
Compared with the Year-Ago Quarter
($ Millions, Except Per-Share Amounts)
Third Quarter
Adjusted(1) Operational Result(2) Fx Impact
Revenues(1) $12,159 ($412) (3%) $621 5%
Cost of Sales(1) 1,760 (128) (7%) 79 4%
SI&A Expenses(1) 3,429 (359) (10%) 151 4%
R&D Expenses(1) 1,769 28 2% 12 0%
Total 6,958 (459) (6%) 242 3%
Cost-Reduction Initiatives Generating Operational Savings;
Foreign Exchange Increased Adjusted Diluted EPS(1) by $0.05
(1) See Slide 6 for definition. (2) Operational results are defined as the change quarter over quarter in Adjusted Income and its
Components(1) less Fx impact.
10
11. Third-Quarter 2008
Cumulative Progress on
Cost-Reduction Target
Cost Reduction Achieved initial cost-reduction
Period (2006 Currency Rates) guidance in Q3
FY2007 $600 million Now expect to realize total adjusted
cost(1) reduction of at least $2.0
billion on a constant currency basis(2)
Q108 170 million
for 2008 vs. 2006
– Cost reductions were achieved more
Q208 465 million
quickly than anticipated
– Continue to look for additional
Q308 485 million opportunities to reduce cost base
Reduction even after inflation
Total $1.7 billion
and reinvestment in the business
Cumulative Absolute Cost Reduction of $1.7 Billion
(1) Adjusted Total Costs represents the total of Adjusted Cost of Sales(3), Adjusted SI&A(3) and Adjusted R&D(3).
(2) At 2006 exchange rates. (3) See slide 6 for definition.
11
12. Third-Quarter 2008
Quarterly Select Product Highlights
($ Millions)
Worldwide U.S. International
2008 Change 2008 Change 2008 Change
In-Line Products(1)
Lipitor $3,142 (1%) $1,569 (13%) $1,573 16%
Lyrica 675 45% 379 40% 296 51%
Celebrex 625 8% 450 4% 175 21%
Viagra 509 13% 236 13% 273 13%
Xalatan/Xalacom 450 12% 138 5% 312 15%
Detrol/Detrol LA 298 1% 198 (2%) 100 9%
Zyvox 281 21% 161 12% 120 35%
Geodon/Zeldox 258 13% 210 13% 48 13%
New Products(2)
Sutent 226 49% 62 4% 164 79%
Chantix/Champix 182 (24%) 96 (49%) 86 60%
LOE Products(3)
Norvasc 562 (12%) 22 (53%) 540 (9%)
Camptosar 122 (50%) (3) * 125 17%
Zyrtec/Zyrtec D 0 * 0 * – –
Key Products Continue to Perform Well;
Label Changes Continue to Impact Chantix U.S. Results
(1) Represents revenues for major pharmaceutical products not included in (2) and (3).
(2) Represents revenues for pharmaceutical products launched since 2006.
(3) Represents revenues for pharmaceutical products that lost U.S. exclusivity in 2007 and 2008.
* Calculation not meaningful. 12
13. Third-Quarter 2008
2008 Financial Guidance
Guidance(4)
$48.0 to $49.0 Billion
Revenues
(Previously $47.0 to $49.0 Billion)
Decrease of at least $2 Billion versus 2006 on a constant
currency basis (3)
(1)
Adjusted Total Costs
(Previously a decrease of at least $1.5 to $2 Billion versus
2006 on a constant currency basis (3))
Adjusted Cost of Sales(2) as a
15.0% to 15.5%
Percentage of Revenues
$14.4 to $14.7 Billion
Adjusted SI&A Expenses(2)
(Previously $14.4 to 14.9 Billion)
Adjusted R&D Expenses(2) $7.3 to $7.6 Billion
$1.61 to $1.71
Reported Diluted EPS(6)
(Previously $1.73 to $1.88)
$2.36 to $2.41
Adjusted Diluted EPS(2)
(Previously $2.35-$2.45)
Effective Tax Rate(5) 21.5% to 22.0%
Cash Flows from Operations $17.0 to $18.0 Billion
Narrowed Range for 2008 Revenue and
Adjusted Diluted EPS(2) Guidance
(1) See Slide 11 for definition. (2) See Slide 6 for definition. (3) At 2006 exchange rates. (4) Except as noted, at October 2008
exchange rates. (5) On Adjusted Income(2). (6) Excludes potential effects of business development transactions not completed
as of September 28, 2008 and of litigation-related matters not substantially resolved as of September 28, 2008.
13
14. Third-Quarter 2008
Key Takeaways
Increased lower end of 2008 revenue and adjusted diluted
EPS(1) guidance ranges
Steady growth from several key products – including Lyrica,
Celebrex, Viagra, Sutent, Xalatan, Zyvox and Geodon
Continuing to execute on our plan to reduce adjusted total
costs(2)
– Achieved $1.7 billion in adjusted total cost(2) reductions
– Now expect to realize an adjusted total cost(2) reduction of at
least $2.0 billion on a constant currency basis(2) for 2008 vs.
2006
Solid Second Quarter Results;
Substantial Progress with Cost-Reduction Initiatives;
Adjusted EPS(1) Growth Outpacing Revenue Growth
(1) See Slide 6 for definition. (2) See Slide 11 for definition.
14