Fiserv’s Q3 adjusted EPS was up 12% to $1.16, modestly beating consensus estimates of $1.14. GAAP revenue matched expectations of 1.06B, a 4% increase. The disparity between top and bottom line growth can be attributed to a diluted share count that was 5.5% smaller than a year ago. Management raised full year guidance to $4.54 – $4.60, surpassing current estimates of $4.53, on the belief that growth will accelerate into Q4 and the first half of 2012.
Of Fiserv’s two segments, Financial Institution Services’ operating income was exactly flat for the quarter and is up 1% on the year. Payments and Industry Products’ operating income was up 2% over the previous Q3, and 5% on the year. This trend is expected to continue, as banks and credit unions are more willing to spend on client facing technology (Payments) than internal account management (Services). In Q3 alone, Fiserv signed 114 new electronic bill pay and 48 debit clients, including Zions, a top 35 bank, which recently selected Fiserv to support its multichannel digital payment strategy for both retail and business customers.
While the trailing quarters have been difficult for businesses that depend on capital expenditures by financial institutions, Fiserv has used that time to develop or acquire leading solutions in online, mobile, and person-to-person platforms. As a result, management has become increasingly optimistic as they gain visibility into 2012. CEO Jeffery Yabuki commented, “Based on our sales results, which have been stellar, based on our pipeline, which is in fact up across all measures that are meaningful, we feel like we are in very good shape.”
-George
-Zach
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INTERNATIONAL CONCEPT OF WORK FROM HOME
Work from home theory is fast gaining popularity because of the freedom and flexibility that comes with it. Since one is not bound by fixed working hours, they can schedule their work at the time when they feel most productive and convenient to them. Women & Men benefit a lot from this concept of work since they can balance their home and work perfectly. People mostly find that in this situation, their productivity is higher and stress levels lower. Those who like isolation and a tranquil work environment also tend to prefer this way of working. Today, with the kind of communication networks available, millions of people worldwide are considering this option.
Women & Men who want to be independent but cannot afford to leave their responsibilities at home aside will benefit a lot from this concept of work. It makes it easier to maintain a healthy balance between home and work. The family doesn't get neglected and you can get your work done too. You can thus effectively juggle home responsibilities with your career. Working from home is definitely a viable option but it also needs a lot of hard work and discipline. You have to make a time schedule for yourself and stick to it. There will be a time frame of course for any job you take up and you have to fulfill that project within that time frame.
There are many things that can be done working from home. A few of them is listed below that will give you a general idea about the benefits of this concept.
Baby-sitting
This is the most common and highly preferred job that Women & Men like doing. Since in today's competitive world both the parents have to work they need a secure place to leave behind their children who will take care of them and parents can also relax without being worried all the time. In this job you don't require any degree or qualifications. You only have to know how to take care of children. Parents are happy to pay handsome salary and you can also earn a lot without putting too much of an effort.
Nursery
For those who have a garden or an open space at your disposal and are also interested in gardening can go for this method of earning money. If given proper time and efforts nursery business can flourish very well and you will earn handsomely. But just as all jobs establishing it will be a bit difficult but the end results are outstanding.
Freelance
Freelance can be in different wings. Either you can be a freelance reporter or a freelance photographer. You can also do designing or be in the advertising field doing project on your own. Being independent and working independently will depend on your field of work and the availability of its worth in the market. If you like doing jewellery designing you can do that at home totally independently. You can also work on freelancing as a marketing executive working from home. Wanna know more, email us on workfromhome.otr214424@gmail.com and we will send you information on how you can actually work as a marketing freelancer.
Internet related work
This is a very vast field and here sky is the limit. All you need is a computer and Internet facility. Whatever field you are into work at home is perfect match in the software field. You can match your time according to your convenience and complete whatever projects you get. To learn more about how to work from home, contact us today on workfromhome.otr214424@gmail.comand our team will get you started on some excellent work from home projects.
Diet food
Since now a days Women & Men are more conscious of the food that they eat hence they prefer to have homemade low cal food and if you can start supplying low cal food to various offices then it will be a very good source of income and not too much of efforts. You can hire a few ladies who will help you out and this can be a good business.
Thus think over this concept and go ahead.
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