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 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
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
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.
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.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
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
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.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@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
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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
1. RYDER SYSTEM, INC. AND SUBSIDIARIES
CONSOLIDATED CONDENSED STATEMENTS OF EARNINGS - UNAUDITED
Periods ended December 31, 2006 and 2005
(In millions, except per share amounts)
Three Months Year Ended
2006 2005 2006 2005
Revenue $ 1,594.1 1,544.8 $ 6,306.6 5,740.8
Operating expense 658.4 669.9 2,722.4 2,572.1
Salaries and employee-related costs 361.7 333.6 1,397.4 1,262.2
Subcontracted transportation 227.6 213.2 865.5 638.3
Depreciation expense 193.7 184.1 743.3 740.4
Gains on vehicle sales, net (11.9) (9.0) (50.8) (47.1)
Equipment rental 27.0 25.5 103.3 102.8
Interest expense 37.7 31.3 140.6 120.5
Miscellaneous income, net (5.5) (1.6) (11.7) (8.9)
Restructuring and other charges, net 3.6 4.0 3.6 3.4
1,492.3 1,451.0 5,913.6 5,383.7
Earnings from continuing operations before income taxes 101.8 93.8 393.0 357.1
Provision for income taxes (36.0) (34.3) (144.0) (129.5)
Earnings from continuing operations 65.8 59.5 249.0 227.6
Discontinued operations, net of tax - 1.7 - 1.7
Cumulative effect of change in accounting principle, net of tax - (2.4) - (2.4)
Net earnings $ 65.8 58.8 $ 249.0 226.9
Earnings per common share - Diluted:
Continuing operations $ 1.08 0.93 $ 4.04 3.53
Discontinued operations - 0.03 - 0.03
Cumulative effect of change in accounting principle - (0.04) - (0.04)
Net earnings $ 1.08 0.92 $ 4.04 3.52
Weighted-average shares outstanding - Diluted 61.2 63.9 61.6 64.6
Memo:
EPS Impact of pension accounting (charge) $ - - $ (0.06) -
EPS Impact of tax law changes - - 0.11 0.12
2. RYDER SYSTEM, INC. AND SUBSIDIARIES
CONSOLIDATED CONDENSED BALANCE SHEETS
PRELIMINARY AND SUBJECT TO RECLASSIFICATION
(Dollars in millions)
(unaudited)
December 31, December 31,
2006 2005
Assets:
Cash and cash equivalents $ 128.6 128.7
Other current assets 1,133.2 1,035.1
Revenue earning equipment, net 4,509.3 3,794.4
Operating property and equipment, net 499.0 486.8
Other assets 558.8 588.3
$ 6,828.9 6,033.3
Liabilities and shareholders' equity:
Short-term debt / current portion of long-term debt $ 332.7 269.4
Other current liabilities 934.9 984.0
Long-term debt 2,484.2 1,916.0
Other non-current liabilities (including deferred income taxes) 1,356.3 1,336.4
Shareholders' equity 1,720.8 1,527.5
$ 6,828.9 6,033.3
SELECTED KEY RATIOS
December 31, December 31,
2006 2005
Debt to equity 164% 143%
Total obligations to equity (a) * 168% 151%
Year Ended December 31,
2006 2005
Return on average shareholders' equity (b) 15.5% 14.6%
Return on average assets (b) 3.9% 3.9%
Return on capital* 7.9% 7.8%
(a) Total obligations represent debt plus off-balance sheet equipment obligations.
(b) Includes discontinued operations and the effect of accounting changes.
* Non-GAAP financial measure; see reconciliation to closest GAAP financial measure included within this
release.
3. RYDER SYSTEM, INC. AND SUBSIDIARIES
BUSINESS SEGMENT REVENUE AND EARNINGS - UNAUDITED
Periods ended December 31, 2006 and 2005
(Dollars in millions)
Three Months Year Ended
2006 2005 B(W) 2006 2005 B(W)
Revenue:
Fleet Management Solutions:
Full service lease $ 472.4 451.1 5% $ 1,848.3 1,785.6 4%
Contract maintenance 37.9 32.6 16% 141.9 134.5 6%
Contractual Revenue 510.3 483.7 5% 1,990.2 1,920.1 4%
Contract-related maintenance 48.7 47.6 2% 193.1 191.1 1%
Commercial rental 163.4 175.3 (7%) 665.7 686.3 (3%)
Other 18.9 17.0 11% 72.1 67.4 7%
Fuel 264.1 292.5 (10%) 1,174.9 1,056.3 11%
Total Fleet Management Solutions 1,005.4 1,016.1 (1%) 4,096.0 3,921.2 4%
Supply Chain Solutions 543.1 482.7 13% 2,028.5 1,637.8 24%
Dedicated Contract Carriage 140.2 142.5 (2%) 568.8 543.3 5%
Eliminations (94.6) (96.5) 2% (386.7) (361.5) (7%)
Total revenue $ 1,594.1 1,544.8 3% $ 6,306.6 5,740.8 10%
Operating Revenue: *
Fleet Management Solutions $ 741.3 723.6 2% $ 2,921.1 2,864.9 2%
Supply Chain Solutions 320.1 274.2 17% 1,182.9 1,015.8 16%
Dedicated Contract Carriage 135.6 137.8 (2%) 548.9 527.0 4%
Eliminations (51.0) (49.7) (3%) (198.7) (196.8) (1%)
Total operating revenue $ 1,146.0 1,085.9 6% $ 4,454.2 4,210.9 6%
Business segment earnings:
Earnings before income taxes:
Fleet Management Solutions $ 94.5 92.0 3% $ 368.1 354.4 4%
Supply Chain Solutions 17.0 14.0 22% 62.1 39.4 58%
Dedicated Contract Carriage 11.2 10.4 8% 42.6 35.1 21%
Eliminations (9.0) (9.5) 3% (33.7) (32.7) (3%)
113.7 106.9 6% 439.1 396.2 11%
Unallocated Central Support Services (11.1) (9.1) (22%) (39.5) (35.7) (10%)
Earnings before restructuring and
other charges, net and income taxes 102.6 97.8 5% 399.6 360.5 11%
Restructuring and other (charges) recoveries, net
and 2006 net retirement plan (charges) (0.8) (4.0) NA (6.6) (3.4) NA
Earnings from continuing operations before income taxes 101.8 93.8 9% 393.0 357.1 10%
Provision for income taxes (36.0) (34.3) (5%) (144.0) (129.5) (11%)
Earnings from continuing operations 65.8 59.5 11% 249.0 227.6 9%
Discontinued operations, net of tax - 1.7 NA - 1.7 NA
Cumulative effect of change in accounting principle, net of tax - (2.4) NA - (2.4) NA
Net earnings $ 65.8 58.8 12% $ 249.0 226.9 10%
* Non-GAAP financial measure
Note: Certain prior period amounts have been reclassified to conform to current year presentation.
Amounts may not recalculate due to rounding.
4. RYDER SYSTEM, INC. AND SUBSIDIARIES
BUSINESS SEGMENT INFORMATION - UNAUDITED
Periods ended December 31, 2006 and 2005
(Dollars in millions)
Three Months Year Ended
2006 2005 B(W) 2006 2005 B(W)
Fleet Management Solutions
Total revenue $ 1,005.4 1,016.1 (1%) $ 4,096.0 3,921.2 4%
Fuel revenue (264.1) (292.5) (10%) (1,174.9) (1,056.3) 11%
Operating revenue * $ 741.3 723.6 2% $ 2,921.1 2,864.9 2%
Segment earnings before income taxes $ 94.5 92.0 3% $ 368.1 354.4 4%
Earnings before income taxes as % of total revenue 9.4% 9.1% 9.0% 9.0%
Earnings before income taxes as % of operating revenue * 12.8% 12.7% 12.6% 12.4%
Supply Chain Solutions
Total revenue $ 543.1 482.7 13% $ 2,028.5 1,637.8 24%
Subcontracted transportation (223.0) (208.5) 7% (845.6) (622.0) 36%
Operating revenue * $ 320.1 274.2 17% $ 1,182.9 1,015.8 16%
Segment earnings before income taxes $ 17.0 14.0 22% $ 62.1 39.4 58%
Earnings before income taxes as % of total revenue 3.1% 2.9% 3.1% 2.4%
Earnings before income taxes as % of operating revenue * 5.3% 5.1% 5.3% 3.9%
Memo: Fuel costs $ 24.9 25.5 2% $ 104.2 92.0 (13%)
Dedicated Contract Carriage
Total revenue $ 140.2 142.5 (2%) $ 568.8 543.3 5%
Subcontracted transportation (4.6) (4.7) (2%) (19.9) (16.3) 22%
Operating revenue * $ 135.6 137.8 (2%) $ 548.9 527.0 4%
Segment earnings before income taxes $ 11.2 10.4 8% $ 42.6 35.1 21%
Earnings before income taxes as % of total revenue 8.0% 7.3% 7.5% 6.5%
Earnings before income taxes as % of operating revenue * 8.3% 7.5% 7.8% 6.7%
Memo: Fuel costs $ 24.3 26.4 8% $ 104.6 94.1 (11%)
* Non-GAAP financial measure
Note: Amounts may not recalculate due to rounding.
5. RYDER SYSTEM, INC. AND SUBSIDIARIES
NON-GAAP FINANCIAL MEASURE RECONCILIATIONS - PRELIMINARY AND UNAUDITED
(In millions, except per share amounts)
OPERATING REVENUE RECONCILIATION Three Months Year Ended
2006 2005 2006 2005
Total revenue $ 1,594.1 1,544.8 $ 6,306.6 5,740.8
Fuel services and subcontracted transportation revenue (491.7) (505.7) (2,040.4) (1,694.6)
Fuel eliminations 43.6 46.8 188.0 164.7
Operating revenue * $ 1,146.0 1,085.9 $ 4,454.2 4,210.9
CASH FLOW RECONCILIATION Year ended December 31,
2006 2005
Net cash provided by operating activities $ 853.6 779.1
Proceeds from sales (primarily revenue earning equipment) 332.7 333.7
Collections on direct finance leases 66.3 70.4
Other investing, net 2.1 -
Total cash generated * 1,254.7 1,183.2
Capital expenditures (1,695.1) (1,399.4)
Acquisitions (4.1) (15.1)
Free cash flow * $ (444.5) (231.3)
DEBT TO EQUITY RECONCILIATION December 31, December 31,
2006 % to Equity 2005 % to Equity
On-balance sheet debt $ 2,816.9 164% $ 2,185.4 143%
Off-balance sheet debt - PV of minimum lease payments and guaranteed
residual values under operating leases for vehicles (a) 78.0 117.0
Total obligations * $ 2,894.9 168% $ 2,302.4 151%
NET EARNINGS RECONCILIATION Three Months Year Ended
2006 2005 2006 2005
Net earnings from continuing operations $ 65.8 59.5 $ 249.0 227.6
Excluding tax law changes and pension charge - - (3.1) (7.6)
Net earnings excluding tax law changes and pension charge * $ 65.8 59.5 $ 245.9 220.0
EPS RECONCILIATION Three Months Year Ended
2006 2005 2006 2005
Earnings per share from continuing operations $ 1.08 0.93 $ 4.04 3.53
Excluding tax law changes and pension charge - - (0.05) (0.12)
Earnings per share excluding tax law changes and pension charge * $ 1.08 0.93 $ 3.99 3.41
RETURN ON CAPITAL RECONCILIATION Year Ended December 31,
2006 2005
Net earnings (12-month rolling period) $ 249.0 226.9
- Discontinued operations - (1.7)
+ Cumulative effect of change in accounting principle - 2.4
+ Income taxes 144.0 129.5
Adjusted earnings before income taxes 393.0 357.1
+ Adjusted interest expense (b) 146.6 127.1
- Adjusted income taxes (c) (207.2) (185.9)
= Adjusted net earnings for ROC (numerator) $ 332.4 298.3
Average total debt $ 2,480.3 2,147.8
+ Average off-balance sheet debt 98.8 147.9
+ Average adjusted total shareholders' equity (d) 1,605.2 1,550.0
= Adjusted average total capital (denominator) $ 4,184.3 3,845.7
Adjusted ROC * 7.9% 7.8%
Notes:
(a) Discounted at the incremental borrowing rate at lease inception.
(b) Interest expense includes implied interest on off-balance sheet vehicle obligations.
(c) Income taxes were calculated using the effective income tax rate for the period exclusive of
benefits from tax law changes recognized in 2006 and 2005.
(d) Represents shareholders' equity adjusted for discontinued operations, accounting changes and tax
benefits in those periods.
* Non-GAAP financial measure
Earnings per share amounts are calculated independently for each component and may not be additive due to rounding.
Certain prior period amounts have been reclassified to conform to current year presentation.