Goldfarb strengthens its relationship with Caixa Economica Federal (CEF), Brazil's largest mortgage lender, by signing a letter of intent to provide mortgage financing for 12,000 housing units per year through CEF. The partnership is aimed to accelerate the mortgage approval process, increase financing volume from CEF, and improve Goldfarb's cash flow. It will create a credit approval unit within Goldfarb dedicated to processing applications for CEF financing exclusively for Goldfarb clients. This will help consolidate Goldfarb's position as the largest operator of CEF's associative credit program.
“Innovations in the Global Mobile Edugame Market” By Tyson Greer- Serious Pl...SeriousGamesAssoc
Tyson Greer speaks about “Innovations in the Global Mobile Edugame Market” at the Serious Play Conference 2012
ABSTRACT:
Innovative mobile edugame products and new Mobile Learning value added services (VAS) across the planet create new opportunities for suppliers. Who is the buyer, and what are they buying?
This session will discuss key findings and examples of mobile edugame innovations worldwide from Ambient Insight's latest Game-based Learning, Location-based Learning, Digital English Language Learning, Healthcare, and Mobile Learning market research. Besides demand, the session will address catalysts and inhibitors, venture capital trends and business models, and revenue opportunities.
Engineering Fall Career Fair Usability testingKinyetta Nance
This is a usability test of the Fall 2014 Engineering Career Fair at the University of Illinois. I conducted this usability test as a TA for my students in Entrepreneurial IT Design, LIS490IT, at the Graduate School of Library and Information Science.
CONSULTA acerca de indícios à formação de cartel na
Concorrência CO 010/2010 para execução indireta do SERVIÇO PÚBLICO DE TRANSPORTE COLETIVO DE PASSAGEIROS POR ÔNIBUS – STCO-RJ do Município do Rio de Janeiro,
Présentation de Philippe Gargov lors de la 24ème Journée de rencontre de l'Observatoire technologique du 8 octobre 2015 consacrée à l'économie collaborative
“Innovations in the Global Mobile Edugame Market” By Tyson Greer- Serious Pl...SeriousGamesAssoc
Tyson Greer speaks about “Innovations in the Global Mobile Edugame Market” at the Serious Play Conference 2012
ABSTRACT:
Innovative mobile edugame products and new Mobile Learning value added services (VAS) across the planet create new opportunities for suppliers. Who is the buyer, and what are they buying?
This session will discuss key findings and examples of mobile edugame innovations worldwide from Ambient Insight's latest Game-based Learning, Location-based Learning, Digital English Language Learning, Healthcare, and Mobile Learning market research. Besides demand, the session will address catalysts and inhibitors, venture capital trends and business models, and revenue opportunities.
Engineering Fall Career Fair Usability testingKinyetta Nance
This is a usability test of the Fall 2014 Engineering Career Fair at the University of Illinois. I conducted this usability test as a TA for my students in Entrepreneurial IT Design, LIS490IT, at the Graduate School of Library and Information Science.
CONSULTA acerca de indícios à formação de cartel na
Concorrência CO 010/2010 para execução indireta do SERVIÇO PÚBLICO DE TRANSPORTE COLETIVO DE PASSAGEIROS POR ÔNIBUS – STCO-RJ do Município do Rio de Janeiro,
Présentation de Philippe Gargov lors de la 24ème Journée de rencontre de l'Observatoire technologique du 8 octobre 2015 consacrée à l'économie collaborative
Sibos 2012 sessions - Transparency in cross-border payments & the impact of D...Earthport
Sibos 2012 - Dodd-Frank Section 1073 is arguably one of the biggest changes to cross-border payments globally in recent years. This session described the pros and cons of open loop, closed loop and hybrid approaches; and discussed whether the new requirement is likely to be adopted by corporates, and in other countries.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
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.
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Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
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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
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 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
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.
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
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
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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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
1. Goldfarb straitens relationship with Caixa Econômica
Federal and signs a letter of intent to provide mortgage
financing for 12 thousand units per year
Investors Relations:
Michel Wurman
Investors Relations Director
João Mallet, CFA
Investors Relations Manager
Gustavo Janer
IR Analyst
Telephone: +55 (21) 3504-3800
E-mail: ri@pdgrealty.com.br
Website: www.pdgrealty.com.br/ir 1
2. Rationale
Accelerate the approval process and gain a larger volume of mortgage financing through
CEF for the buyers of Goldfarb units.
Better cash flow for Goldfarb.
Creation of a credit approval unit managed by Goldfarb linked to the CEF’s internal system,
dedicated exclusively to Goldfarb’s clients; the unit’s favorable opinion will be valid for the
other areas of the CEF.
Consolidate Goldfarb as the largest operator of Crédito Associativo of CEF.
2
3. Letter of Intent
Goldfarb x CEF
The partnership will enable Goldfarb to act as negotiating correspondent for CEF with
homebuyers and borrowers. Moreover, all operational and administrative tasks related to
customers’ credit approval process will be centralized in the company’s internal team.
Pursuant to the policy of rewarding good payers, clients with a proven payment capacity of a
given amount over 12 months will receive automatic approval for a monthly mortgage credit
of up to 130% of the proven amount.
Through this partnership, CEF expects to finance 12,000 residential units for Goldfarb
customers each year, for a total of R$1.2 billion in mortgage loans.
Today, Goldfarb is one of the largest operators of group credit offered by CEF. According to
CEF data, Goldfarb has already delivered more than 32,000 residential units. This year
Goldfarb more than tripled its launches to 8,100 units, from 2,600 in 2006.
3
4. Constant Deal Flow
At capital markets, operational and corporate finance levels
Capital Markets / Inv.
Credit Suisse Deutsche Bank
Real Estate road trip Conference (NY)
UBS Conference Non Deal Road One on one UBS
São Paulo Show (NY) Conference Follow-On
London R$ 575 mm
Relation
IPO Initiating Coverage Debentures Santander
R$ 432 mm R$ 250 mm Real Estate road trip Banco Brascan
Non Deal
Boston NY and Toronto
UBS CEO IPO
Conference R$ 304 mm
Initiating Coverage Initiating coverage
Initiating Coverage (debenture)
Operational
4Q06 1Q07 2Q07
Launches: 16 projects Launches: 14 projects Launches: 21 projects
Sales pro rata: R$82 mm Sales pro rata: R$78 mm Sales pro rata: R$224 mm
GSV pro rata: R$ 159mm GSV pro rata: : R$ 144mm GSV pro rata : R$ 231mm
Acq. of 20%
(+30% option)
Acquisition Pipeline
Acq. of 21%
Joint Venture Geographic
Goldfarb and Expansion to
Acq. of 14.5%2 CHL JV Midwest and
Joint Venture JV Northen States
Acq. of 20%
Joint Venture Acq. of 5%
(+20% option)
JV Acq. of 5%
Acq. of 40% Acq. of 10% Sale of 20% Acq. of 30% (+5% option) 36.9%1
Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct -07 Nov -07 Dez -07
Notes:
1 25% directly and 11.9% indirectly through Lindencorp
4
2 Subject to further changes after new acquisitions
5. Final Comments
Exposure to the Low Income Low Income Pro rata PSV in the Landbank amounts to R$ 3,5 billion
Segment with over 42 k units
Expertise and capacity to invest in:
– Geographic regions
Diversification
– Market
– Income class segments
Leverage on Partnership Ability to “hire” the best management in the industry and leverage on
their specific and local knowledge
Philosophy
Additional capital gain Potential capital gains through its portfolio investments
potential
Management with strong real estate expertise, financial background
Management expertise and return oriented culture to implement PDG Realty´s business
strategy
The right platform to accomplish a sustainable long term growth
Unique business model in the Brazilian real estate market
5