Microsoft reported revenue of $13.6 billion for the third quarter of fiscal year 2009, a decrease from $14.5 billion in the third quarter of the previous fiscal year. Net income was $3 billion for the quarter, down from $4.4 billion in the prior year quarter. Revenue for the first nine months of fiscal year 2009 was $45.3 billion, an increase from $44.6 billion in the same period of the previous fiscal year, while net income for the nine month period was $11.5 billion, a decrease from $13.4 billion in the prior year.
Though mobile usage and adoption is skyrocketing, only 1/3 of B2B Marketers have mobile optimized content and less than 25% have mobile applications. This presentation from the B2B Digital Edge Conference shares how Intuit's Accounting Professionals Division is integrating mobile opportunities into their marketing mix.
Though mobile usage and adoption is skyrocketing, only 1/3 of B2B Marketers have mobile optimized content and less than 25% have mobile applications. This presentation from the B2B Digital Edge Conference shares how Intuit's Accounting Professionals Division is integrating mobile opportunities into their marketing mix.
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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.
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.
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how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
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
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
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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
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
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how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
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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Q1 2009 Earning Report of Microsoft
1. Microsoft Corporation
Income Statements
(In millions, except per share amounts) (Unaudited)
Three Months Ended Nine Months Ended
March 31, March 31,
2009 2008 2009 2008
Revenue $13,648 $14,454 $45,338 $44,583
Operating expenses:
Cost of revenue 2,814 2,514 9,569 8,732
Research and development 2,212 2,035 6,785 5,757
Sales and marketing 2,981 3,274 9,687 9,377
General and administrative 913 2,341 2,631 4,125
Employee severance 290 - 290 -
Total operating expenses 9,210 10,164 28,962 27,991
Operating income 4,438 4,290 16,376 16,592
Other income (expense) (388) 520 (697) 1,254
Income before income taxes 4,050 4,810 15,679 17,846
Provision for income taxes 1,073 422 4,155 4,462
Net income $2,977 $4,388 $11,524 $13,384
Earnings per share:
Basic $0.33 $0.47 $1.29 $1.43
Diluted $0.33 $0.47 $1.28 $1.41
Weighted average shares outstanding:
Basic 8,891 9,307 8,960 9,349
Diluted 8,904 9,428 9,008 9,492
Cash dividends declared per common share $0.13 $0.11 $0.39 $0.33
2. Microsoft Corporation
Balance Sheets
(In millions)
March 31, June 30,
2009 2008 (1)
(Unaudited)
Assets
Current assets:
Cash and cash equivalents $7,285 $10,339
Short-term investments (including securities pledged as
collateral of $1,445 and $2,491) 18,055 13,323
Total cash, cash equivalents, and short-term investments 25,340 23,662
Accounts receivable, net of allowance for doubtful accounts of $242 and $153 9,182 13,589
Inventories 657 985
Deferred income taxes 1,926 2,017
Other 3,619 2,989
Total current assets 40,724 43,242
Property and equipment, net of accumulated depreciation of $7,236 and $6,302 7,112 6,242
Equity and other investments 4,112 6,588
Goodwill 12,554 12,108
Intangible assets, net 1,756 1,973
Deferred income taxes 956 949
Other long-term assets 1,639 1,691
Total assets $68,853 $72,793
Liabilities and stockholders' equity
Current liabilities:
Accounts payable $3,017 $4,034
Short-term debt 1,999 -
Accrued compensation 2,644 2,934
Income taxes 773 3,248
Short-term unearned revenue 10,924 13,397
Securities lending payable 1,533 2,614
Other 2,933 3,659
Total current liabilities 23,823 29,886
Long-term unearned revenue 1,388 1,900
Other long-term liabilities 6,699 4,721
Commitments and contingencies
Stockholders' equity:
Common stock and paid-in capital - shares authorized 24,000;
outstanding 8,898 and 9,151 61,896 62,849
Retained deficit, including accumulated other comprehensive income
of $726 and $1,140 (24,953) (26,563)
Total stockholders' equity 36,943 36,286
Total liabilities and stockholders' equity $68,853 $72,793
Derived from audited financial statements
(1)
3. Microsoft Corporation
Cash Flows Statements
(In millions) (Unaudited)
Three Months Ended Nine Months Ended March
March 31, 31,
2009 2008 2009 2008
Operations
Net income $2,977 $4,388 $11,524 $13,384
Depreciation, amortization, and other noncash items 664 532 1,881 1,448
Stock-based compensation expense 432 373 1,292 1,066
Net recognized losses (gains) on investments and derivatives 507 (179) 682 (500)
Excess tax benefits from stock-based payment arrangements (2) (9) (48) (111)
Deferred income taxes (368) 103 462 783
Unearned revenue 5,899 5,228 16,054 15,044
Recognition of unearned revenue (6,670) (5,368) (19,078) (15,701)
Accounts receivable 1,697 1,857 4,035 2,077
Other current assets 106 (69) 345 141
Other long-term assets 26 (1) (159) (67)
Other current liabilities 114 1,389 (3,824) 525
Other long-term liabilities 662 (1,162) 2,030 (562)
Net cash from operations 6,044 7,082 15,196 17,527
Financing
Short-term borrowings (repayments), maturities of 90 days or less, net (329) - 1,667 -
Proceeds from new debt, maturities longer than 90 days 328 - 328 -
Common stock issued 112 268 436 3,249
Common stock repurchased (18) (1,240) (9,331) (8,227)
Common stock cash dividends (1,155) (1,023) (3,310) (2,995)
Excess tax benefits from stock-based payment arrangements 2 9 48 111
Net cash used in financing (1,060) (1,986) (10,162) (7,862)
Investing
Additions to property and equipment (632) (759) (2,252) (1,964)
Acquisition of companies, net of cash acquired - (138) (827) (5,967)
Purchases of investments (10,683) (3,481) (21,525) (15,795)
Maturities of investments 915 462 1,669 1,262
Sales of investments 3,327 2,829 16,102 18,645
Securities lending payable 1,064 309 (1,080) (265)
Net cash used in investing (6,009) (778) (7,913) (4,084)
Effect of exchange rates on cash and cash equivalents (36) 42 (175) 128
Net change in cash and cash equivalents (1,061) 4,360 (3,054) 5,709
Cash and cash equivalents, beginning of period 8,346 7,460 10,339 6,111
Cash and cash equivalents, end of period $7,285 $11,820 $7,285 $11,820
4. Microsoft Corporation
Segment Revenue and Operating Income (Loss)
(In millions) (Unaudited)
Three Months Ended Nine Months Ended
March 31, March 31,
2009 2008 2009 2008
Revenue
Client $3,404 $4,033 $11,604 $12,506
Server and Tools 3,467 3,238 10,616 9,381
Online Services Business 721 843 2,357 2,377
Microsoft Business Division 4,505 4,731 14,330 13,663
Entertainment and Devices Division 1,567 1,592 6,564 6,616
Unallocated and other (16) 17 (133) 40
Consolidated $13,648 $14,454 $45,338 $44,583
Operating Income (Loss)
Client $2,514 $3,115 $8,689 $9,855
Server and Tools 1,344 1,080 3,978 3,170
Online Services Business (575) (226) (1,521) (737)
Microsoft Business Division 2,877 3,127 9,325 9,010
Entertainment and Devices Division (31) 106 299 668
Corporate-level activity (1,691) (2,912) (4,394) (5,374)
Consolidated $4,438 $4,290 $16,376 $16,592