Friday, November 22, 2019
"A Critique on A Christmas Carol"
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1. Describe the setting and compare it with that of Siddhartha.
Throughout the story there were many occasions when the setting shifted from one place to another, but I think the main setting of the story was in a city. Although the author did not give much detail about city itself, I'm sure it that it was like any other. The city had many districts and the heart of the city is where one could find the business district, where merchants hurried up and down, chinked the money in their pockets, conversed in groups, looked at their watches, and trifled thoughtfully with their gold seals. There was also an obscure part of the town, which had its own bad repute. The ways were foul and narrow, the shops and houses wretched, the people half naked, drunken, slipshod, ugly. Alleys and archways, like so many cesspools, disgorged their offenses of smell, dirt, and life, upon the straggling streets; and the whole quarter reeked with crime, with filth and misery.
The city for most part of the story, particularly from the beginning till the later part was covered with a great thick fog that came pouring in every chink and keyhole and was so dense that even the houses, buildings and other structures were cramped up beside each other, appeared to be mere phantoms. To see the dingy cloud come drooping down, obscuring everything, one might have thought that nature lived hard by, and was brewing on a large scale. The fog was so thick that the ancient tower of a church, whose old bell was always looking down upon the town, became invisible.
Although the story Siddhartha also had a city as one of its minor settings, most of the story takes place in the great outdoors, where one can truly see and appreciate the real beauty and awe of nature and Mother Earth. These were the forests, the rivers and mountains; the only places Siddhartha or anyone for that matter may find peace and serenity both in his surroundings and in himself.
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. Describe the protagonist and compare him with Siddhartha. Who between the two do you like better?
The protagonist in the story "A Christmas Carol" was Ebenezer Scrooge. In the beginning of the story Scrooge was a squeezing, wrenching, scraping, clutching, and covetous old sinner. Hard and sharp as flint from which no steel had struck out generous fire, secret, self-contained, and solitary as an oyster. The cold within him froze his old features, nipped his pointed nose, shriveled his cheek, stiffened his gait, made his eyes red, his thin lips blue, and spoke out shrewdly in his grating voice. External heat and cold had little influence on him. No warmth could warm, no wintry weather chill him. No wind that blew was bitterer than he; no falling snow was more intent upon its purpose, no pelting rain less open to entreaty. In short he was a very cold old man!
But during the later part of the story all of these changed. After having encountered the three spirits and what they had to show him, he suddenly turned into a very kind, affectionate, cheerful, and appreciative warm old man, totally opposite his old self.
Although both Scrooge and Siddhartha have their similarities, like being totally different people in the beginning and ending up being totally different from their former selves, and both of them going on journeys to be able to find something that could make them complete again; They also have their differences, like Scrooge in "Christmas Carol" was both the protagonist and antagonist, while Siddhartha was clearly the hero of the story from start to end, although quite similar in the way they change during the course of the story, Scrooge was an evil cold man who changed his ways because of the three spirits while Siddhartha was a perfect Brahmins son who changed many times and eventually became "enlightened" in the end.
It is very hard for me to pick between the two for I see them as almost identical to each other except for a few, minor differences. But I think I would go for Siddhartha because if you were to ask me whom I'd rather be, it would be him, someone wise, handsome and enlightened.
. How did the novel begin? Do you like it? Why?
The novel began by stating that Marley was dead, describing who and what type of person Scrooge was, describing the setting, and basically introducing some of the important characters of the story.
Yes, I liked how the story began because it gave me important details that I needed to know to fully understand the story. I found out how cold Scrooge was, that the long time partner of Scrooge, Marley died, and made me meet Bob Cratchit, Scrooge's clerk and his nephew who was the first one to try to explain the true meaning of Christmas to Scrooge.
4. Present the more important events using narration.
I think there were basically three important events that occurred in the story. The first is his encounter with the first spirit the "ghost of Christmas past" who showed him his younger self, which made him remember the imagination he had as a kid, his cheerful sister, recall his happy Christmas celebration with old Fezziwig and his family during his apprenticeship and made him regret the time he chose money and material wealth over his one true love. The "ghost of Christmas present was equally important for it showed him how his clerk and his family celebrated the true meaning of Christmas by being together, being contented with what they had and by appreciating each other; it also showed him his nephew and how he, his wife and their friends celebrated Christmas by joking around, which made Scrooge realize that all his money was worthless without family and friends to share it with, and that it is only he who suffers from his ill whims. The third ghost, the "ghost of Christmas yet to come" showed him the consequences of his actions if he chooses not to change.
5. Do you like the language used by Dickens? Why?
Dickens made use of both the frozen and the deliberate type of language. Putting into consideration that Dickens grew up in the 1800's in which both frozen and deliberate types of language were almost the only type used by the people, I can understand why he used those types for this novel. But if it were up to me I would rather if he would have written it using a mixture of both the deliberate and casual types for better understanding of the present reader.
6. What is the main conflict in the novel?
The main conflict in the story is man vs. himself because the story is about how a very cold old man who hated the humbug of Christmas who eventually through the help of the three spirits who showed him different situations that make him realize what he is truly missing, changes his ways by realizing the meaning of kindness, charity, goodwill and the true meaning of Christmas.
7. Is the protagonist a typical, conventional person or different?
No, at no time did the protagonist, Ebenezer Scrooge become a typical, conventional person. I believe he was always extraordinary in the sense that at the start of the story he was different because he was a cold old man, so cold in fact that it would be hard to imagine that anyone could be so cold as to HATE the humbug, the true essence of Christmas. While in the end he was a very extraordinary because he turned into a very kind, cheerful and compassionate person with a warm, loving heart and one who celebrated the essence of Christmas the whole year round to the best of his ability which is definitely something very special!
8. How did the novel end? Do you like it?
The ending was the complete opposite of the novel's beginning. The once cold, hateful old man now knew the true spirit and essence of Christmas. I liked how it ended. As a matter of fact I was kind of scarred because I knew Scrooge and Tiny Tim had a possibility of dying in the end, but thankfully everything turned out the way I hoped it would be, a happy ending
. Give the three most important messages of the novel.
My opinion is that there are definitely more than three important messages in the novel but if I narrow it down it would be the following First, we should always remember to learn from our past experiences. This was depicted by the "ghost of Christmas past" when he brought Scrooge back to the Christmas he spent with the Fezziwigs and the time he saw himself chose material wealth over the girl who loved him!
Second Money and other material possessions are useless if you don't have any family or friends to share it with! This was thought to us when the "ghost of Christmas present showed his nephew with his wife and their friend enjoying together, and when he saw Bob Cratchit and his family experiencing true happiness together even if they were poor!
Third The whole story teaches us that the true essence of Christmas which are kindness, charity and goodwill are not things to be remembered only every December 5th of every year, rather we must remember it and keep it in our hearts the whole year round.
10. Which between the two novels did you enjoy more?
Even if I enjoyed both novels equally given the present time and occasion I would have to go for the "Christmas Carol" because now that Christmas is fast approaching I can make more use of the lessons I have learned from the later and I can relate more to Scrooge and the situation he was in this Christmas season.
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Thursday, November 21, 2019
Starting a Successful Business
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The purpose of this report is to identify the critical issues such as getting advice about how to start a business, developing a business plan, manage finance and cash flow, legal issues involved and gaining a competitive advantage. All of these critical issues could help a starting business achieve success.
Operating a small business is not just about working for yourself, it is also about having the necessary management skills, industry expertise, technical skills, finance and of course a long-term vision to grow and succeed. You should also consult an experienced business adviser, accountant or bank manager.
Before starting a business advice about how to start a business should be sought. Getting advice how to start a business will help owners understand the responsibilities and management skills involved in running a business. Understanding the responsibilities of running a business will let the business owner know what its like to manage a business and the things that will involve in doing so. As many people go into business without knowing how to manage a business and the responsibilities involved and fail in business with the first few years. The business enterprise centres and state governments provide assistance to small businesses. This will be the difference between success and failure of a business.
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To succeed in business you need to allocate time and energy to managing the business, over and above creating and delivering the product or service.
Business management includes
• Managing yourself and your time
• Managing your staff
• Managing suppliers of goods and services
• Managing your business partners
• Managing your money
Having a business plan before you start out in business will help you manage the business successfully. This is an important step in helping a starting business achieve success. A business plan will provide business owners a clear pathway to successfully run a business. It will help the business owners have an idea what their business is going to be like and how it will be managed. A good business plan will increase your chances of business success. It will help you identify your customers, market area, pricing strategies, financial and operational goals. By completing a business plan you will better understand your competitive advantages, new opportunities, current weaknesses and longer-term objectives for the business. Having a business plan is also an important requirement for gaining finance from financial institutions.
Improve your chances dramatically by preparing and planning ahead.
• Visit First Base at a Business Advisory Service Centre.
• Get professional advice.
• Read a few books. A wide range of inexpensive titles is available.
• Attend an Introduction to Small Business workshop at a Business Advisory Service Centre.
• Talk to someone already in a similar business.
• Contact an appropriate trade association.
Planning is essential, so make the effort to
• prepare your goals and detail the steps you are going to take to reach them;
• create a written document of all the research and analysis of your idea;
• segment your plan into a strategy document covering the business activities, markets, competitor analysis and longer term industry trends;
• then complete your planning with an implementation plan which covers operations, marketing, sales, finance, personnel and training;
• the end result of your planning should be expressed in financial terms in a profit plan (or budget) and cash flow projections;
• your business plan can then become a powerful management tool not only for your dealings with bankers and financiers, but also as a regular guide on the progress of your business.
Furthermore an important decision to make when starting a business is choosing the business structure that best suits your needs. Some of the factors to consider are personal financial liability, tax implications, access to business profits, establishment costs and risk exposure. Consulting your accountant and/or solicitor will assist you in making a better decision.
There are a number of business structures available, of varying complexity, each with advantages and disadvantages. The most common business structures are sole trader, partnerships and proprietary limited company.
Avoid the seven most common traps for people just starting businesses. Take care to
• locate your business in the right place;
• know your customers and their needs;
• always be in control of your finances;
• choose the most appropriate business structure;
• read any business or lease agreement very carefully before signing (and get professional advice if in any doubt);
• buy an existing viable business, not another's failed dream;
• recognise that sales revenue must cover all the costs of running the business and is not clear profit.
Financing your business and managing the cash flow which include stock, debt collection and personal drawings will help your business succeed.
Most small businesses start without sufficient capital and many businesses fail in their early years because they are under-capitalised. Make sure that there is enough money to go into business. So manage your finances carefully by
• knowing how much money is needed and when;
• knowing where to secure funding and how;
• controlling your business finances and reviewing the position regularly.
Your business plan and cash flow projection will provide you with your first estimate of funding requirements. Regular accounting reports will update these so you can respond to adverse movements in working capital such as stocks, debtors, work in progress and overdrafts.
Cash shortages can prevent you from meeting your financial obligations and make it difficult to expand your business. In some cases it will mean you will need to close your business.
It is important to know your cash flow position. To manage your cash flow, take note of the following tips.
Account for Every Dollar and Cent
• Install an accounting system that produces relevant financial reports and meets tax requirements.
• Keep your financial records and bookkeeping up to date.
• Use the information in your accounting system to draw up a budget and cash flow forecast.
• Manage your cash inflow and outflow - be prepared for anticipated tax instalments and other payments.
• Do your banking regularly, both for security reasons as well as keeping track of your cash flow.
• Reconcile your bank statements regularly, double-checking receipts and payments with your own records.
• Ensure that you receive, record and retain all tax invoices for GST taxable purchases to support your claim for input tax credits.
• Consider visiting your accountant every three months to review your business performance.
Money Matters
• Bill your customers early and often.
• Keep a detailed account of all your debtors and act promptly on overdue accounts.
• Promptly follow up any dishonoured cheques.
• Consider offering discounts for cash sales or early payments of credit purchases.
• Consider alternatives to improve your sales terms, eg lay-by terms, payment terms, credit terms.
• Keep a detailed list of amounts that you owe. Your debts may build up without your knowing.
• Use payable credit terms to your benefit, increasing the effectiveness of your cash flow.
• If suppliers want to be paid early, ask about discounts for early payments.
Final Money Tips
• Manage your investment debt. Dont over-borrow.
• Keep some cash for rainy days.
• Dont over-commit your personal expenses.
There are many legal issues involved when starting a business. Applying for an ABN and applying for the GST and PAYG is a commonwealth government obligation. State obligations include registration of your business name, workers compensation insurance and fair trading and occupational health and safety. Apply with these legal requirements will allow you to run a legal and fair business.
Gain a competitive advantage is an important factor if you want to achieve success when starting a business. You should know who your competitors are, what the level of competition is, and how your competitors compete on price, extra services, convenience and quality? Also knowing what is so unique about your product/service will help you gain a competitive advantage. Having a thorough knowledge of this will allow you to gain a greater share of the market and increase your sales
Knowing your market will be of advantage.
• Is there a market for your product/service?
• Have you defined your market by size, geographic location, life cycle of the product or demographics?
• What will affect your market? Social trends, the economy, consumer confidence or industrial relations.
• What statistics and trends can you collect to help with market research?
• What are the characteristics of your customers - what, why, where and how often do they buy?
• What form of marketing activities will best suit your business?
david hills business studies pg 145-147
tony braxton business failure pg 150-15
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Tuesday, November 19, 2019
The Decline in Morals
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Since the beginning of time morals have been a part of all societies. The advent of this concept however is not truly clear. In many animal communities it has been observed many features that are common to what we as society today see as moral standards. Animals such as lions and others have been observed taking care of and providing for their young (Titus, 157). We have also been able to observe social structures and hierarchies of society in lower intellectual animals ( Titus, 157). These observations in other species have made it very difficult to establish an origin for this important concept. Today in this paper it will be shown that this moral decline can be traced to more than one factor. Two will be examined closely slavery and poverty as sources of this moral decline. To understand the decline in morals in the African-American communities today we will have to examine several factors such as what are morals, how are these morals set, what are the problems that the African-American communities are facing, why do these problems arise and finally ways of dealing with these problems after they arise.
Morals maybe described as rules in which society follows to make for peace and cooperation between individuals within this environment (Edwards, 187). Morality involves; helpfulness, truthfulness, honesty, kindness, sympathy, respect, reverence, courage, and self control (McVenn, 11). These traits are expected by other individuals in society (Gert, 188). Often in society we refer to persons with good moral values as a person who is good. Good for our purpose, a good person will be defined as a person which leads another individual to physical, intellectual, or spiritual development (Herman, 188). Men always love what is good or what they find is good; it is in judging what is good where they go wrong ( J.J. Rousseau, 188). This statement sums many of the problems that we are facing today. Today many African-Americans are not able to judge what is really right or just. We must now look to find how these morals are set in society.
In most societies moral codes or standards have been set for thousands of years. As you travel to different parts of the world you find that these standards often change depending on the area you are in. Actions of people are perceived right or wrong due to their status in society in most cases (Dewey and Tufts, 161). We see in many societies that there is a struggle between dominant and inferior groups. The struggle usually arises from the fact that the dominant group usually forces their social interest on the masses (Dewey and Tufts, 161). The non-dominant group will be changed to fit the lifestyle of the group in power. Man in this case does not have the freedom to be whatever he would like to be (Bourke, 168).
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In other communities it is a particular social or religious group which will set the moral standards (Herman, 188). These standards are usually derived from a standard text such as the Bible or Koran (Herman, 188). These standards maybe related to a set of events, which occurred in the past. Finally some scientist have considered morals to be something that is instilled in most people from environmental evolution (Titus, 157). The standards of today have been set by many different sources and in many cases still maintain a certain amount of uniformity.
With the understanding of morals and how they are usually instilled into society we must look at factors which are not morally correct. For this paper we will refer to these situation in terms of the problems that they represent. Problems that affect the African-American community today are crime, illiteracy, drug abuse, and individual lack of self-worth (Nabbefeld, 17). These problems have consumed the African-American community since the 150's ( Nabbefeld, 17). Many of these situations arose with the rising " extremist intolerance" of those seeking to undo gains in social injustice, equality and basic rights (Nabbefeld, 17). Yet no one really knows why these problems truly arise in society. It has been stated that some people resort to amoral acts not because they are right and protecting their interest but because you maybe right (Runzo, 1). Still, other situations may stem from slavery and racial discrimination of African-Americans.
Now understanding what problems do exist in the African-American community we must find out why these problems exist. Two major reasons come to light when we discuss problems in the African-American community. The first and always a big influence on the African-American community on a whole is slavery. Since the migration from Africa to America many African-Americans have had to face many tough task do to the plight of being referred to as second class citizens (Jonas, 16). Many African-American of the present look at society with a chip on their shoulders. With the feeling of inferiority that is associated with being a second class citizen some loose the concept of morality. Many youth today feel that they will not have a chance to reach and old age so what they do now will not matter. Some do not feel that they will obtain a decent job or reach a decent status in life. They feel that they must use " any means necessary" to reach the good life. The sad part is that any means necessary might seem morally correct for them. This type of attitude produced by the reminisce of slavery and racial discrimination has left a scar in the African-American communities.
Another large factor that seems to almost walk hand in hand with the theory of being a second class citizen is a theory of poverty stricken African-Americans (Jonas, 16). In most cases we, as a group of people do not have the finances to support ourselves. Without means of support African-Americans are led to commit desperate tactics to survive. Morals often decline when you feel that there is no other alternative. When faced with extreme poverty situations people who are raised with good moral values are more likely to revert to what appears to be savages because they see no the other way to survive. All species have the will to survive and that will increases when you are without finance. This increase in will often leads to the attitude of I have to do what I have to do. In the future it will be important to realize these problems when they begin to prevent further moral decline.
As a community focus, we must now look at ways to prevent the further decline of moral values in our community. They are many ways that we may ensure a new moral code in our community. The first and probably most important will to reestablish a close link between the community and certain religious organizations (Rhoades, 1). In the black community many of us have grown up in the church which would provide the basis for good moral conduct in the community (S. Still, personal communication, March 0, 18). Since the times of slavery African-Americans have leaned heavily on the church to surpass difficult times. It has been proven that religious beliefs may make a difference in the way people respond to each other and their community (Rhoades, 1). Religious beliefs in many people will provide hope even under adverse conditions. Problems that exist today can in part be contributed by the lack in faith in God of the upcoming generation (R. Chavis, personal communication, April , 18). This renewed faith will surely increase our moral values as a community.
Moral values may also come from different groups from inside the community. African-Americans has long been associated with social action groups. A renewal in the faith of these groups would be helpful. In many cases social action groups may be able to provide programs that teach moral values and ethics. Groups such as the NAACP and National Urban League will have to make themselves more visible and also gain interest from the community to support their efforts. Supporting groups such as these may increase our moral awareness.
Finally, education is a way to increase moral awareness. Many of African-Americans as well as other ethnic groups take for granted that most people know the difference between right and wrong. This assumption is not always accurate. We as African-American need to take the time to teach what is considered right and wrong. As responsible morally equipped people we need to take the lead in spreading to our young and old what we believe to be moral and amoral. Morality can only increase if we take the necessary action to educate all people. This may be done on a large scale as with ad campaigns and also in classes in our schools. If we are to change the direction of our people we need to enter our own communities spreading positive messages. Life is filled with many evils. These evils can be changed with a march toward educating our people.
In conclusion, the ills of society do not need to stay with us. The reminisce of slavery and poverty that has plagued the African-American community for centuries may have started a moral decline in our community but it does not have to continue for the next generation. Many organizations in our communities are available to change our direction. Religious belief along with social action groups can make the difference in a society going wrong. Educating our people may put us back on track to a new more moral society. As a people we may never reach a perfect society where there is no wrong. But remember to always strive for the stars.
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Monday, November 18, 2019
Coke
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It was May of 1886 when the pharmacist concocted caramel- coloured syrup in a three-legged brass kettle in his backyard. He first distributed the new product by carrying Coca-Cola in a jug down the street to Jacobs Pharmacy. For five cents, consumers could enjoy a drink that was proclaimed Delicious and Refreshing. Enjoy a glass of Coca-Cola at the soda fountain. Whether by design or accident, carbonated water was teamed with the new syrup, producing a drink . Dr. Pembertons partner and bookkeeper, Frank M. Robinson, suggested the name and penned" Coca-Cola in the unique flowing script that is famous worldwide today. Mr. Robinson thought, The two Cs would look well in advertising. In 1886, sales of Coca-Cola averaged nine drinks per day. That first year, Dr. Pemberton sold 5 gallons of syrup, shipped in bright red wooden kegs. Red has been a distinctive colour associated with the NO. 1 soft drink brand ever since. For his efforts, Dr. Pemberton grossed $50 and spent $7.6 on advertising. Allegedly Pemberton was a morphine addict. So in 1887 he began to sell parts of the company Coca-cola to Joseph Jacobs, owner of Jacobs Pharmacy. In early October 1887 Pemberton ran a blind ad looking for additional investors. WANTED AN acceptable party with $,000.00 to purchase one-half interest in a very profitable and well-established manufacturing business, absolutely no risk, and guaranteed a 50 per cent profit on investment, with possibilities of much larger profits and rare opportunity to right party. He was able to get three investors with this ad . He took $,000 from each of them. Their names were J.C. Mayfield, A.O. Murphey and E.H. Bloodworth. On July 8th he sold a third of the company to Willis Venable and another third to George Lowndes. Neither man had the time to market, make or sell Coke so they sold their portion of the company to Woolfolk Walker and his younger sister Margaret Dozier. Dozier owned two-ninths and Walker four-ninths of the formula rights. Now here is where it gets interesting. Venable some how disposed of his portion of Coca-cola twice. During some time in 1887, the three new partners moved to Atlanta, ready to produce Pembertons medicines. At this point the formula of Coca-cola was officially owned by Pemberton, Walker and Dozier, but several others had interest in it. Asa Candler, an ambitious Atlanta druggist some how acquired control of the company later in the month of December although he probably didnt own any part of the company until 1888.
He acquired the drink in return for gambling debts owed him. Charley Pemberton (Johns son) claimed his right to the drink. This kicked off two coke clones by the names of Yum Yum and Koke.Pemberton grew ill and he died on August 16, 1888. Candler was a pallbearer at Pembertons funeral and spoke very highly of him. In later years he was quoted saying Why, I suppose Dr. Pemberton felt I was one of his best friends. Two weeks after Pemberton died Candler bought out Walker and Dozier for $1,000. With the exception of the Walker, Candler & Company portion, Asa Candler had legal rights to Coca-Cola. He was calling himself the drinks sole proprietor by May 1, 188.
Until 10 only Candler and Robinson were allowed to mix the syrup behind locked lab doors. They removed all the labels from the ingredients delivered by the various chemical companies. Only Candler dealt with the mail and paid the bills so the accountants could not learn the formula, and kept the sole key to the file where the invoices were kept As the company expanded, Candler and Robinson could not prepare the syrup all themselves, so the Ingredients were all simply labeled 1 to . And the managers at the branch factories were only told the proportions required and the mixing procedure. Candler aggressively advertised Coca-Cola in newspapers and on billboards. In the newspapers, he would give away coupons for a free Coke at any fountain.
Candler achieved a lot during his time as owner of the company. On January 1, 18, the famous Coca-Cola formula was patented. He also opened the first syrup manufacturing plant in 184. His great achievement was large scale bottling of Coca-Cola in 18. In 115, The Root Glass Company made the contour bottle for the Coca-Cola company. the most famous bottle shape of all time is the Coca Cola bottle. The Coca Cola bottle evolved in 115, when a Swedish engineer, Alex Samuelson of the Root Glass Company of Terre Haute, Indiana, based the curved shape on a illustration of a coca bean found in the encyclopedia of Britannica.
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Coca-Cola was sold after the Prohibition Era to Ernest Woodruff for 5 million dollars. He gave Coca-Cola to his son, Robert Woodruff, who would be president for six decades. Robert Woodruff was an influential man in Atlanta because of his contributions to area colleges, universities, businesses and organizations. When he made a contribution, he would never leave his name, this is how he became to be known as Mr. Anonymous. Woodruff introduced the six bottle carton in 1. He also made Coca-Cola available through vending machine in 1, that same year, the Coca- Cola bell glass was made available. He started advertising on the radio in the 10s and on the television in 150. Currently Coca-Cola is advertised on over five hundred TV channels around the world. In 11, he introduced the Coke Santa as a Christmas promotion and it caught on. Woodruff also introduced the twelve ounce Coke can in 160. The Coca-Cola contour bottle was patented in 177. The two liter bottle was introduced in 178, the same year the company also introduced plastic bottles.
Woodruff did have one dubious distinction, he raised the syrup prices for distributors. But he improved efficiency at every step of the manufacturing process. Woodruff also increased productivity by improving the sales department, emphasizing quality control, and beginning large scale advertising and promotional campaigns. Woodruff made Coke available in every state through the soda fountain. For all of these achievements he earned the name, The Boss.
In 185, the Coca-Cola Company made what has been known as one of the biggest marketing blunders. The Coca-Cola company stumbled onto the new formula in efforts to produce diet Coke. They put 4 million dollars of research to come up with the new formula. The decision to change their formula and pull the old Coke off the market came about because taste tests showed a distinct preference for the new formula. The new formula was a sweeter variation with less tang, it was also slightly smoother, of course the blunder was that everybody hated this new formula and this is where Coca Cola Classic came from when they changed back to the original formula.
As one of the best known trade names, Coca Cola was created in May 1886 by Frank M Robinson, bookeeper to the creator of the drink Dr John S.Pemberton and was registered as a trade mark on 1 January 18. The name was based on two of the drinks contents extracts from coca leaves and from the coca nut. The fact that coca leaves also yield cocaine is a connection that the manufactures do not wish to advertise and it is certainly true that although the drink once contained a form of the drug especially in the early days when it was advertised as an Esteemed Brain Tonic and Intellectual Beverage, it now contains none. The name itself is a successful one as a memorable and easily pronounceable trade name, and having three memorable k sounds Coca Cola gained popularity rapidly to such an extent that the manufacturers were forced to register a second name for it used by the public Coke.
The name coke originated as a popular alternative for Coca Cola before the First World War , with the popular abbreviation used by a rival firm, the Koke company of America, who made a similar drink. Fearing the loss of identity and the amount of other drinks under the name, the company adopted coke in 10 when the Supreme Court of the USA ruled that Coke was the property of the Coca Cola company. The name characterises a beverage to be had at almost every soda fountain, declared Mr Justice Olvier Wendell. It means a single thing coming from a single source and well know to the community. In fact the Courts had had doubts about the name, since coke was and still is a slang term for cocaine, which was originally present in the drink in microscopic quantities. Later, when cocaine was removed from the formula, the company found the name a successful one, free from undesirable or misleading associations. The name Coke first appeared on bottles in 141 and was registered in 145.
The second element of the name is not a registered trade mark, so that cola drinks exist on the market in a number of varieties . Among the rival brands were Coca, Cola, Fig Cola, Candy Cola, Cold Cola, Cay Ola and Koca Nola. All these were outlawed by the courts in 116.
Coca-Cola is worth more than 58 billion dollars on the stock market. For more than 65 years, Coca-Cola has been a sponsor of the Olympics. The 16 Summer Olympics were held in Atlanta, Georgia, the home of Coca-Cola. One of the great things that the Coca-Cola company has is helping the people of Atlanta. They accomplish this through scholarships, hotlines, donations and contributions. Another large accomplishment that the Coca-Cola has is being the first company to make and use recycled plastic bottles. One way to see all of the achievements of the Coca-Cola company is to visit the World of Coke in Atlanta. It houses a collection of memorabilia, samples of the products, exhibits, and many other exciting items. All of what has been said is the basis of what Coca-Cola was built on. Without societies help, Coca-Cola could not have become a over 50 billion dollar business. Keep on drinking the worlds favorite soft drink, Coca-Cola.
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Skateboarding: Not Just A Hobby, A Lifestyle
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Skateboarding Not Just A Hobby, A Lifestyle
Skateboarding is a powerful sport, however it is not a crime. All too often skateboarders are looked at as 'punks' and 'vandals.' Skateboarding has been around since the early 150's and has thrived throughout the strenuous ups and downs of the mainstream industry. It's popularity rose with surfers due to the fact that it was something they could do when the conditions in the water weren't good enough or too rough. Makaha had made sales of $4,000,000 within two years.
Boards originated from the idea of a scooter with metal roller skate wheels and a handle attached. In the 50's boards came in various shapes and sizes because many kids were designing their own. By the early 60's skateboarding had risen in surf culture so much that magazine had begun to be printed. Their were also major tours across the United States of teams of skateboarders due to the towering heights of skateboarding popularity. The skaters had taken this 'hobby' to a new level as they began to explore empty pools. This was a revolution in the sport and truly elevated the technical end of skating.
A story that's been passed on refers to a group of skaters who searched out whole neighborhoods for empty pools due to the drought. They found a beautiful pool at the residence of a fire chief. Somehow, they got a hold of his work schedule and skated his pool everyday that he worked until they got caught. Pool riding was an intense element that continued from the seventies until the late eighties. After the magazines and tours and fifty million skateboards being sold, skateboarding died. The cause of death, "The first skateboarding crash was due to inferior product, [which floods today's market] too much inventory and a public upset by reckless riding." The reason it happened was a little bit of daredevilism riding down public streets and a little bit of slack while producing the merchandise.
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Skateboarding outdid itself and "Cities started to ban skateboards in response to health and safety concerns, and after a few fatal accidents, skateboarding was officially drummed out of existence." This was the cause of the major loss of interest. Society seemed to put up a wall of zero-tolerance towards skateboarding, especially in California, the heart of it all. It was considered a to be too much of a hazard and "The California Medical Association called skateboards 'a new medical menace.' Worse still, police chiefs were telling stores not to carry skateboards in the interest of public safety." Without stores purchasing skateboards from the skateboard companies, the industry cracked. More poor quality products were produced and skateboarding's future looked grim. Conflict with society grew as "...it was at this time that police chiefs started calling for the prohibition of skateboards. Most of the public felt skaters were a nuisance and cities began banning skateboards." With society fronting skateboarders, the availability of a spot to skate became scarce and a quite a difficult problem. The problem facing skateboarders, "...interference of cops and angry drivers, pedestrians and property owners has been a recurring theme in the history of skateboarding." Many people regard skaters as degenerates and the cause is that "The sport attracts a lot of dysfunctional kids. They come in with something missing and are easier to exploit. What's direly missing in the industry,' Peralta said, 'is guidance from the manufactures." This leads to the further decline of skateboarding and interests in skateboarding and the culture that had swept over the nation in a matter of just under three years. Skateboarding's rebirth occurred around 1 with the offspring of the "baby boomers" hitting the defiant teenage years. In 15, skateboarding's mainstream coverage became updated with the ESPN X-Games. Once again the cycle of skateboarding had begun again including the clash between the skaters and the society in which they live. Terms such as 'degenerate' and 'punk drop-out' resurfaced, and it was said, "For as long as I can tell, skateboarding has been a crime. The only people that have boards as [sic] 'delinquents' and 'punks' and 'drop-outs.'" Police officers who are always right there 'to protect and serve,' sure do protect our handrails and curbs, "They are getting out of control with all these [sic] skateboarding prevention stuff. They should worry about bigger stuff like killings, rapes, gangs, and so on." It's probably a good thing that our handrails and curbs and other public items such as benches and flower planters aren't getting scuffed up at night by these freaks. We wouldn't want to have to go down to the level of considering this an art form now would we? Skateboarding is here to stay and "Once this [skateboarding] is accepted and once it's embraced by the mainstream, skaterphobics will be forced to relax their anti-skater rhetoric, back off, and let skaters do their thing." A major problem seems to be that it isn't a team sport and isn't supported by schools or leagues. A mother wrote in to her children's school and an exert taken from her letter, "I wonder if it is due in large part to the fact that skateboarding is an 'ALTERNATIVE' sport; not a 'MAINSTREAM' activity (or, at least right now.) It is, in fact, an activity that takes much coordination, practice and skill and is very detailed." This backing of society and parents is needed to help skateboarding strive and survive in this culture that we are currently living. Another adult stated, "Skateboarding is great fun. It teaches balance, coordination, muscle control, depth perception and rewards the learner for persistence and effort...I can't condemn any activity that teaches and affirms a youngster's need to grow and test his/her capabilities. Where would any of us be if we didn't reach that little bit farther, try just a little bit harder?" Skateboarding is truly a diversified culture, "It's [skateboarding] a sport that accepts anyone willing to try it. It doesn't discriminate against race, religion, or sexual orientation." "Skateboarding is many things to many individuals...Skateboarding is the positive release of undirected explosive youthful energy...Skateboarding is a unique kind of madness. It's a combination of balance, technique, power, knowledge, love, hate, respect, and fear," so many things that can't be summed up in a single sentence. Above all else, skateboarding is an art form. It truly creates an element of life worth living for. The world to a skater becomes his canvas, and his board is his paintbrush and he is the painter. As long as Scarface's statement, "The world is yours" stands true, then the skater is given the right to paint whatever picture he feels whenever he feels like painting. Skateboarding is the voice of the mute, in the form of a harsh scream, because even though mute people have no way of speaking, skateboarding in itself cannot speak but it is revealed by it's participants, and it's participants reveal skateboarding to themselves, "Skateboarding is a wild, untamed thing- like the spirit of it's riders. People invent skateboarding daily...That's the beauty of the sport, especially at this time in it's history." The feel of an autumn breeze in the face of a skateboarder exemplifies freedom and freshness of life. While all around him/her society and mother nature are resting and preparing for winter, he is still out redefining himself and his style, and finding new character in himself. Powell said it well, "Skateboarding is hard to describe. It's not an ordinary sport. There are no rules, no teams, no competition. Skating is a way of testing your skill and courage." Skateboarding is totally personal and wonderful in that respect. As a football team, all wear the same jerseys, helmets and colors, they truly define themselves with a simple difference of a number. How well can a person be described with a number? Skateboarding allows it's participants to wear what feels comfortable to them and fits their style. Tony Hawk, regarded as the greatest vert skater of all time in skateboarding expresses his feelings about the sport by saying, "Skateboarding to me means freedom, an outlet for any sort of stress and responsibilities. It's my way of expressing myself." The art and intensity of skateboarding overall is benevolent, "Some curbs are blackened, and rounded off, but the flipside of this damage is that I'm able to put tremendous amounts of time and energy into an art form that people are passionate enough about to risk a criminal record." Skateboarding's participants know the possible risks of self-damage and misfortune with the law, "How noble of a sport is skateboarding whose participants knowingly break the law in order to do it?" Bibliography Works Cited Andris Legalize Skateboarding 1 Mar., 1. . Brooke, Michael. The Concrete Wave. Toronto Warwick Publishing Inc. 1. "Bug Your Congressman!" Ska Punk Skate 5, Oct. 000. . Cassorla, Albert. The Ultimate Skateboard Book. Running Press, 188. Hamre, Bonnie. Skateboarding Is Not A Crime. 18, Sept. 000. . "Hell On Wheels." Bay Guardian Article Hell On Wheels. May, 14. . Powell, Ben. Extreme Sports Skateboarding. New York 17. Rau, Michelle (Shelly) To Whom It May Concern. , Apr. 1. . "Skateboarding Is A Good Thing" 8, Sept. 000. . "Skateboarding Is Not A Crime" 18, Sept 000. . Word Count 14
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Friday, November 15, 2019
Is Technology a Contributing Factor in the US?
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September 4, 00
Is Technology a Contributing Factor to Obesity in the U.S.?
As the United States has evolved over time, society has become more and more dependent on technology, and at the same time Americans have become more and more overweight. Obesity affects an estimated 61% of Americans and is associated with approximately 00,000 deaths each year (U.S department of Health and Human Services). Is it just a coincidence that with the increase in technology we have also seen a dramatic increase in overweight and obese Americans?
Obesity can be defined in many different ways and according to the International Obesity Task Force ,"obesity is an excessively high amount of body fat or adipose tissue in relation to lean body mass". In other words people that are obese have a percentage of body fat that is too high in relation to their height and weight. One method used to determine obesity is the BMI test, or Body Mass Index test. The BMI test is a calculation based on comparing a persons' weight to their body height (Schools should report on obesity'). This calculation is useful because it applies to males and females; however one drawback is that it is not able to take into consideration muscle mass which weighs more than fat tissue. Obesity affects all ages, races, and genders, however some individuals are more susceptible to becoming overweight then others (Obesity Trends). There are many factors that can cause one to become overweight or obese, such as genetics, metabolism, environment, behavior, culture, and socioeconomic status (U.S. Department of Health and Human services).
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Obesity is a chronic disease that predisposes individuals to numerous medical conditions (U.S Department of Health and Human Services). The medical conditions associated with obesity vary in severity and can be both physical and emotional. Some of the physical problems associated with being overweight or obese are high blood pressure, high cholesterol, diabetes, asthma, arthritis, heartburn, and heart disease. Obesity can also cause depression; it can lead to eating disorders, and can cause many social problems (International Obesity Task Force). According to the Lahey Obesity clinic, "obesity can limit individuals from participating in social activities because obese individuals are less inclined to play sports, go to the movies, travel, or go out to eat". Obesity is a disease that is curable. There are many ways to go about loosing weight but the most effective and long lasting are to eat a balanced diet and exercise regularly (International Obesity Task Force).
The American Heritage Dictionary defines "technology" as the application of science, especially to industrial or commercial objectives. There are numerous types of technology ranging from computers, to television and video games, to food production. So how does technology relate to the rise in Americas weight? "Researchers now suggest that 60 percent of the extra pounds Americans have put on maybe caused by a decline in the physical demands of work brought about by the arrival of computers and the like"(Geralds). Computers and the internet have made it possible to send mail, fax, make copies, or even order food right from your office without having to walk to a copier, mail room, fax machine or pizza parlor, therefore taking away almost all of the physical exercise one would get from working. The internet also provides people with a source of entertainment and pleasure. It allows people to shop online instead of going to the stores, and even play games online. It enables people to talk to friends, instead of visiting them in person, which takes away from physical activity.
According to the National Center for Chronic Disease Prevention and Health Promotion, technology has greatly changed our environment by creating many time saving products. Computers and the internet are not the only time saving products affecting the waistlines of America, "the other 40 percent is due to technological innovation in agriculture which has driven down food costs" (Geralds). According to the Institute of Economic Research at Harvard University "as technological advances have made food ever more varied and convenient, the feeble will-power of the American public has been unable to compete."(qtd. in Arnold). Some American lifestyles, such as both parents working and single parent households often demand time saving food options, which are mostly high in fat and sugar. In the online article about U.S obesity, James Arnold explains this in more detail
In the mid 160's, the average American non-working woman spent at least two
hours a day on the family meals, now, that figure has halved. At the same time
manufacturers of food have invested heavily in making their products tastier,
cheaper, more varied, and more convenient to the consumer. The increased
efficiency of food production-supplies per person have surged by 0% in the past
two decades in the U.S.- has driven down prices. And its increased convenience
has provoked a shift to frequent "grazing", small but cumulatively hefty snacks, as
opposed to regular meals.
Technology has made it more convenient for individuals to function in every day life, however; the increased convenience helps Americans to become less active and therefore an increase in weight and obesity is almost certain. In the online article "Economists Tackle U.S. Obesity" James Arnold quotes," in past decades, strenuous jobs meant that workers were in effect paid to exercise; now workers with more sedentary jobs pay to exercise at the gym".
In the future we are bound to see more technological advances to save time and energy, does this mean we will also see an increase in obesity rates? A few major food producers are discussing doing their part to help keep America healthy. In an article in BBC News, "Kraft foods will be taking steps to cut portion sizes in its snack packs and eliminate marketing campaigns in schools, in an effort to help fight obesity". Even McDonalds is trying to promote healthier foods by coming out with their new salads. Schools are starting to get more involved in what the children are eating at lunch. In an article in BBC News online one professor believes that "teachers should include a child's' body mass index in their annual reports on pupils" and that "the best way to tackle obesity is to teach healthy eating habits at a young age." The government is also getting involved by discussing possible "sin taxes" on foods not passing their political assessment, (A New Diet).
Research has shown that with the increase in technology there has also been an increase in weight gain in the United States. The weight gain is due to a few different factors. One factor is the lack of physical exercise, which is from the increased convenience of the internet and computer making physical activity at work a lot less needed, and also with television and video games children are not going outside to play as much as they did ten years ago. The second factor to an increase in obesity rates is due to America being on time restraints, therefore eating more snacks and fast foods that are not usually very healthy. A final factor in obesity rates is due to the technological advances in food production. Food producers are able to make food faster, cheaper, and easier for individual use but unfortunately this does not usually amount in the best portions or healthiest food choices. In order for America to put a halt to the obesity problem a balanced diet and physical exercise is necessary.
Works Cited
Arnold, James." Economists tackle US obesity". BBC News World Edition. January
17, 00. September 1,00.http//news.bbc.co.uk//hi/business/6657.stm
Geralds, John. "Technology blamed for US obesity". Vnunet.com. June 6, 00.
September 1,00. http//www.vnunet.com/News/110
Hall, Rick. "Obesity Rates Continue to Rise CDC Releases Latest Obesity Trends In The
U.S.". About Nutrition. February 5, 00. September 16,00.
http//nutririon.about.com/Libraray/weekly/aa01050a.htm
Willis, Melinda T. "Will "IT" Eliminate Exercise?". ABCNEWS.com.
December 4, 001. September 1, 00.
http//abcnews.go.com/sections/living/DailyNews/IT_and_excercise
0110html
"Factors Contributing to Obesity". National Center for Chronic Disease Prevention and
Health Promotions. September 15, 00. September 16, 00.
http//www.cdc.gov/nccdphp/dnpa/obesity/contributing_factors.htm
"Kraft plans to cut snack sizes". BBC News. July , 00. September 16, 00.
http//news.bbc.co.uk/1/hi/world/americas/064.stm
"A new diet lawsuits and advice from the government?". Consumers Research
Magazine.August 00. September 1, 00.
http//www.consumeralert.org/pubs/research/CRAug0.htm
"Obesity Trends". National Center for Chronic Disease Prevention and Health
Prevention. March 18,00. September 1, 00.
http//www.cdc.gov/nccdphp/dnpa/obesity/trend/index.htm
"Schools 'should report on obesity'". BBC News. August 16,00. September 16,
00. http//news.bbc.co.uk/1/hi/health/1557.stm
"Technology".The American Heritage Dictionary of the English Language, Fourth
Edition. Houghton Mifflin Company, 000.
International Obesity Task Force, World Health Organization, the Food and Agricultural
Organization of the USA Centers for Disease Control. February 16,00.
September 1, 00.http//www.iotf.org/about.htm
U.S Department of Health and Human Services. February 18,00.
September 16, 00. http//www.nlm.nih.gov/medlineplus/obesity.html
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Wednesday, November 13, 2019
Opening a bar
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Michael Brandi
AGB 450
Business Plan
Bobcats Tavern
Mission Statement To provide UC Merced and Merced JC students affordable alcoholic beverages, in a fun, outgoing, enjoyable environment. We want fair profit for the owners, and a rewarding place to work for the employees.
Legal Issues The legal form of the business will be a partnership; the owners will consist of James Kirk and myself. This plan is prepared to obtain personal financing for the initial launch of this concept. The financing is required to begin work on bar design, architectural plans, site selection, equipment purchases, and to cover expenses in the first year of business. The financing, in addition to the capital contributions from the owners, will allow Bobcats Tavern to successfully open and maintain operations through year one.
Industry Analysis The drinking establishment industry is subject to seasonality factors just as any other agricultural business. My business will see less activity in the summer months when school is on break. However, this situation will also be a factor amongst my competition.
The SIC code for the drinking establishment industry is 5810. The industry results can be seen on page 5. The results shown are not an exact representative sample of my specific industry, but they give some idea of volume.
Target Market The market segment to be targeted are the young UC and JC Merced students who are tired of the 'same old stuff' when going out on the town. The California University of Merced estimated enrollments are as follows
004-05 005-06 006-07 007-08 008-0 00-10 010-11
Undergrads 00 1801 51 8 57 4675 54
Graduate students 104 08 1 74 457 5 6
Total 1004 00 810 61 4414 514 6016
Merced Junior College fall enrollment showed a total of 10,165 students, an increase of 4.4 percent from last year.
Competitive Analysis Bobcats Tavern purpose is to provide its customers with a value driven, entertaining nightlife experience. A unique, mid-scale, innovative environment is required to provide the customers with an atmosphere that will induce both university and junior college students to come have a good time and socialize. I want patrons to have the total experience when visiting Bobcats Tavern. Not only will our guests receive a great drink at a low price, they will also be provided with a fun atmosphere. We will be doing unique things that will set us apart from the competition. Some ideas include free rides home from the Tavern (Merced, Atwater, and Winton city limits only @ 100 and 00am), a unique indoor smoking room, and quarter beer night on Thursdays.
Market Share When it comes to value relatively few competitors exist. The surrounding bars and pubs currently retail their drinks on the upper end of the spectrum, simply because of the low to no competition in the area. Bobcats Tavern will to retail its drinks around the $.50 to $.50 range like its competitors, but we will offer student discounts to those with proper ID which will entitle them to a substantial discount (This figure will be calculated in the financial section of the plan). This will open up a huge target market for us, because college students love great value for their money. Our strategy is simple, we intend to succeed by giving people a combination of great drink values, and an environment that attracts college students like a magnet. Implementation isnt simple, but thats in the doing of it, not in the plan. College students will be our main focus. Hence the name 'Bobcats Tavern' matches the universities mascot, the Bobcat. In order to attract college students we will have to keep prices low, and we must stick to that concept. Of course we are in the business to make money, but low prices will be our trademark and that is what we are going to be know for. Public advertising will be kept to a minimum, not only will it attract non-college students, but the best advertisement is word of mouth. This is not to say that Bobcats Tavern will turn away non-college students! I have lived in this area and understand that college students need a place to get away, while not being hassled by older people. This is why student discounts will be given on a daily basis. Attached to this document on pages 7 and 8 are Merced county census data reports. These reports were attached to show the percent changes in different areas, particularly in respect to the rest of the state.
Future Competition The success of the new university plays a major role in the success of the business. If the estimated enrollment figures are correct then a good time for opening day would be sometime in 011. I believe it is going to take a while for the university to gain students because of its location and its non-existent reputation. Typically a school has to be known for strengths in different areas in order to attract students from surrounding areas. The popularity of the university will impact Bobcats Tavern dramatically. A list of existing competitors in a three-mile radius has been gathered.
Distance from
Name Campus Address City
Gummy's Bar 1.1 miles 60 Shaffer Rd. Atwater, CA Mackessys Sports and Sprits 1.1 miles 610 1st St. Atwater, CA
Perry's Pub and Spirits 1. miles 575 Bellevue Rd. Atwater, CA
Margarita O'Briens .0 miles 161 Atwater Blvd Atwater, CA
Studio Lounge . miles 151 Broadway Ave. Atwater, CA
Outpost . miles 658 Winton Way Winton, CA
Pit Stop . miles 104 Sierra Vista St. Atwater, CA
Harolds Club .5 miles 64 N. Winton Way Winton, CA
Chikita Banana .5 miles 6 N. Winton Way Winton, CA
Barrel Room .6 miles 16 Franklin Rd. Merced, CA
(Phone numbers also available)
As you can see, there are only four bars located within a -mile radius of campus. It will be essential for Bobcats Tavern to be located as close to the campus as possible, due to the future high demand of entertaining nightlife in the area. I would estimate that once the university is established others will enter into the drinking establishment market. This is why it is vital to enter the market relatively early to gain customer loyalty. A map of the area can be found on page 6 of this document. The ¡®star' on the map indicates the campus location, which is located on the old Castle Air Force Base.
Major Competitors
Recently my friend James and I took a trip up to the Atwater and Winton area in order to get to know our competition more thoroughly. It didn't take us too long to find out which bars Bobcats would be competing against. The majority of the bars on my list had a very distinct Mexican American patronage makeup. Some of these bars looked very intimidating from the outside and even more intimidating at the door. As a result we didn't look at all the bars within a three mile radius of UC Merced, but the bars that college students would be interested in, did get an evaluation from us (these results can be seen in the appendices). The major competitors of Bobcats Tavern are
1. Perry's Pub and Spirits
. Mackessys Sports and Sprits
. The Outpost
Comparison
Strengths and weaknesses of competitors
Executive Summary
The proposed business is a ¡®start up' bar/tavern in Atwater California. The business will be set up as a partnership with four investors providing a substantial amount of the start up capital. The objective of the business will be to provide consumers with an alternative to the other bars in the area.
The potential target markets are the college students from UC Merced and Merced Junior College, professionals around the proposed business venture, and the people from around the surrounding community. The ambiance of Bobcats Tavern will be the central differentiating factor that separates it from its competition. The enjoyable, casual atmosphere will encourage people from different ages to congregate and socialize.
Funding
The funding for Bobcats Tavern will be comprised of 0% debt and 70% profit. The amount needed to get our operation off the ground will be $16,000 (including average operating expenses for the first three months). The business will be structured as a closely held, non-publicly traded company. Most of the money borrowed will be from private sources (family, friends, and personal investors). The four co-owners will obtain funding through financial institutions against their personal collateral and credit worthiness. Since this is a relatively small business with no great expansion plans in the immediate future, the partners will keep control of most of the ownership in the first two to three years. Sharing part of the ownership of the business will be considered when large investment capital is needed for the expansion and/or franchising (after the first two to three years).
Loan Allocation
Start-up
Assets
Licenses/Permits $,000
Renovations of the building
Audio Equipment
(One big screen TV and six other TV's) $1,500
Painting, Lighting $6,000
Deposit on building $,000
Total $,500
Working Capital
Grand Opening $10,000
Initial hiring costs $1,000
Miscellaneous start up costs $,000
Total $14,000
Average operating expenses
First three months (4,000 x's ) $16,000
Loan Total $16,500
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