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
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
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
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 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
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.
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 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
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.
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
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
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
1. Banc of America Securities Energy & Power Conference
November 17-19, 2003
Xcel Energy Inc.
800 Nicollet Mall
Minneapolis, Minnesota 55402
www.xcelenergy.com
2. Safe Harbor
This material includes forward-looking statements that are subject to
certain risks, uncertainties and assumptions. Such forward-looking
statements include statements regarding projected earnings, cash
flows, capital expenditures and other statements that are intended to be
identified in this document by the words “anticipate,” “estimate,” “expect,”
“projected,” “objective,” “outlook,” “possible,” “potential” and similar
expressions. Actual results may vary materially. Factors that could cause
actual results to differ materially include, but are not limited to: general
economic conditions, including the availability of credit, actions of rating
agencies and their impact on capital expenditures; business conditions in
the energy industry; competitive factors; unusual weather; changes in
federal or state legislation; regulation; risks associated with the California
power market; currency translation and transaction adjustments; the higher
degree of risk associated with Xcel Energy’s nonregulated businesses
compared with Xcel Energy’s regulated business; the failure to realize
expectations regarding the NRG settlement agreement; failure of NRG to
emerge from bankruptcy in 2003; financial conditions of NRG; actions by the
bankruptcy court in NRG’s bankruptcy case; and the other risk factors listed
from time to time by Xcel Energy in reports filed with the SEC, including
Exhibit 99.01 to Xcel Energy’s report on Form 10-K for year 2002.
4. Significant Accomplishments — 2003
Reached settlement with NRG creditors
Maintained investment grade bond rating
Completed Colorado rate case
Received approval for continued operation
of Prairie Island nuclear plant
Refinanced $1.6 billion of debt, saving over
$20 million in annual interest expense
Utilities achieved solid results for first nine
months of 2003
5. Xcel Energy Strengths
Operate utility assets well; outstanding generation
Growing service area
Fair regulation
Forward-looking policy makers
Low rates
Increasing financial strength
Strong environmental record
7. Invest Additional Capital
Core utility capital investment of $900 to $950 million/year
Committed Incremental Capital Additions
Nuclear steam generator replacement
Targeted distribution reliability upgrades
Prospective Capital Additions
Minnesota Metro Emission Reduction Program
Potential Colorado coal plant
Minnesota/South Dakota combustion turbines
8. Provide Competitive Total Return
Earnings Growth 2 – 3% per year
Dividend Yield – Current 4.5%
Dividend Growth To be reviewed
Elimination of NRG Overhang
9. Regulatory Strategy
Matching expenditures with cost recovery:
Present Conservation and DSM rider
Renewable Resource rider
Colorado ECA mechanism
Denver Metro Emissions rider
Future Minnesota Metro Emissions rider
Colorado Purchased Capacity rider
Transmission (renewable) rider
Colorado Resource addition
File rate cases when necessary
10. Dividend Policy
Dividend policy to be addressed in June 2004,
after final NRG settlement payment
Issues to be considered
— Cash from operations
— Level of utility capital expenditures
— Dividend payout ratio
— Credit rating implications
Potential dividend payout ratio bandwidth 60 – 75%
14. NRG Bankruptcy Timetable
October 8 FERC approved transfer of
NRG assets
October 10 SEC approved mailing NRG’s
Reorganization Plan
October 15 NRG’s Reorganization Plan
distributed to creditors
November 12 Reorganization Plan votes returned
November 21/24 Confirmation hearing scheduled
on NRG’s Reorganization Plan
Prior to NRG expected to emerge from
December 15 bankruptcy
15. Tax Benefits Associated with NRG
Total tax benefit of approximately $1.1 billion
Tax refund of $325 million – Spring 2004
NOL of $750 million realized at approximately
$125 million annually from 2003-2008
16. Projected Retained Earnings
Year-end 2003
Millions of Dollars
Retained Earnings Balance (9/30/2003) $ 43
Earnings October – December* 100
Tax Benefit of Settlement Payments** 260
Reversal of Negative Investment in NRG** 106
Dividend Declaration** (152)
Projected Year-End Retained Earnings $ 357
* For illustration, assumes earnings at the low-end of guidance range
** Assumes NRG emerges from bankruptcy prior to year-end 2003
17. 2003 Earnings Guidance
Dollars per Share
EPS Range
Utility Operations $1.25 – $1.30
Holding Company Financings (0.09)
Seren (0.05)
Other Nonregulated Subsidiaries 0.04
Xcel Energy — Pro forma $1.15 – $1.20
Xcel Energy Share of NRG’s Losses (0.62)
Tax Benefits Associated with NRG 0.90
Gain on Sale of Viking Gas 0.05
Xcel Energy — GAAP $1.48 – $1.53
18. 2004 Earnings Drivers and Assumptions
NRG emerges from bankruptcy in 2003
Weather adjusted retail sales growth of 2.2%
for electric and 2.4% for gas
Successful recovery of Colorado capacity cost
increases
Short-term wholesale and trading margin equivalent
to projected 2003 levels
Operating and maintenance expenses
increasing 2 – 3% over projected 2003 levels
Effective tax rate approximately 31%
Common stock and equivalents of 425 million shares
19. 2004 Earnings Guidance
Dollars per Share
EPS Range
Utility Operations $1.25 – $1.32
Holding Company Financings (0.08)
Nonregulated Subsidiaries (0.02) – 0.01
Xcel Energy $1.15 – $1.25
20. Projected Cash Flow
Dollars in Millions
Sources 2003 2004 2005
Cash from Operations $1,300 >$1,300 >$1,300
Avoided Tax Payment 125 125 125
Tax Refund 30 325
Citadel Greenshoe Option 58
Dividend Reinvestment 20
$1,533 * >$1,750
Total Sources >$1,425
Uses
Capital Expenditures $ 932 $1,200 $1,200
Current Dividend Payment Rate 300 300 300
NRG Settlement 752
Total Uses $1,232 $2,252 $1,500
* Excludes $425 million of Xcel Energy cash on hand as of October 31, 2003
21. Xcel Energy Investment Merits
Low risk, integrated utility
Transparent business model
No restructuring anticipated
Constructive regulation
Improving credit profile
Total return 7 – 8%
24. Financial Summary
Dividend Yield 4.5%
Earnings Growth 2 - 3% per year
Dividend Payout Ratio – Current 60 - 65%
Market Capitalization $6.6 billion
Trading Volume >1 million shares daily
Institutional Ownership 42%
(Excludes 5% Employee
Ownership)
Bond Ratings Moody’s S&P
Holding Co. (Unsecured Debt) Baa3 BBB-
Operating Utilities (Secured Debt) A3 to Baa1 BBB+
25. Forecast
Customers (Millions)
Annual
Electric Gas Growth Rate
PSCo 1.3 1.2 1.9%
NSPM 1.4 0.4 1.5
Minneapolis/St. Paul
NSPW 0.2 0.1 1.8
Minnesota
SPS 0.4 — 0.3
Total 3.3 1.7 1.6%
Denver
Colorado
Amarillo
Texas
Generating
Plants
26. Balanced Power Supply
2003 Energy (Projected) 2003 Capacity
Owned
Generation
Nuclear Coal
72%
12% 51%
Purchases
24%
> 5 Yrs
21%
1- 5 Yrs
Other
4%
2% Gas < 1 Yr Contracted
3%
11% Purchases
28%
27. Retail Electric Rate* Comparison
Central US
*EEI typical bills – Winter 2002
Cents per Kwh
8
5.84 5.85
6
4.42
4
2
0
l
illo City City nver Pau ouis ines ago kee enix
ar e u
o
s o
De /St. St. L s M hic ilwa Ph
m ak sa
A n CM
l t L Ka pls De
Sa M
28. 2002 Generation Production Cost
S&P Electric Index Companies
Dollars per Mwh
60
50
40
30
$21.39
20
10
0
Xcel Energy
Source: Platts Powerdat
29. Fossil Generation*
Equivalent Forced Outage Rate
Percent of Time
4.6%
4.1% 3.8%
2.8% 2.8%
1999 2000 2001 2002 2003
YTD June 30
* Greater than 100 Mw
31. Minnesota Metro Emission
Reduction Proposal
Net Dependable
Capacity Increase
Coal to gas conversion
— High Bridge 272 Mw
— Riverside 79
Refurbish
— King (coal-fired plant) 60
Total 411 Mw
Emission reduction
— SO2 36,000 tons/year
— NOX 29,000 tons/year
Capital expenditures $1 billion 2005-2009
Contingent on approval of cost
recovery through rate rider mechanism
32. Colorado Resource Plan
1,600 Mw of new generation required by 2013
Growing Colorado load requires more
base-load generation
Resource Plan will explore variety of options
Coal generation reduces price volatility
500 – 750 Mw plant at existing site — Potential
for multiple owners
33. 2004 Utility Capital Expenditures
Customer Additions
Replace/Refurbish
35%
31%
Upgrade/
Other Modernization
23% 11%
34. Liquidity
Dollars in Millions
Avail-
Company Facility Drawn able Cash* Liquidity*
NSPM $ 275 $ 40 $ 235 $119 $ 354
PSCo 350 1 349 29 378
SPS 100 3 97 26 123
Xcel Hold Co. 400 1 399 251 650
Total $1,125 $ 45 $1,080 $425 $1,505
* Reflects balances as of October 31, 2003
35. Financing Plan — 2003
Dollars in Millions
Issuance
Company Amount Coupon Date Maturity
PSCo $ 250 4.875% May 2003 Mar 2013
Holding Co. 195 3.400 Jun 2003 July 2008
NSPM 200 2.875 Aug 2003 Aug 2006
NSPM 175 4.750 Aug 2003 Aug 2010
PSCo 300 4.375 Sept 2003 Oct 2008
PSCo 275 5.500 Sept 2003 Apr 2014
NSPW 150 5.250 Sept 2003 Oct 2018
SPS 100 6.000 Oct 2003 Oct 2033
Total $1,645 4.560%
Note: Net proceeds used to refinance higher coupon debt
36. Regulated Utility Potential Earnings
Dollars in Millions Authorized
Return Net
Equity* on Equity Income
NSPM $1,762 11.47% $202
NSPW 419 11.90 50
PSCo 1,965 10.85 213
SPS 783 11.50 90
Total $4,929 $555
Common Stock and Equivalents: 425 million shares
Utility EPS at Authorized ROE Levels: $1.31
* Equity as of June 30, 2003
37. Capital Structure
As of September 30, 2003
Preferred Equity
1%
Common Equity
40%
Debt & TOPrS
59%