...Homework #1 6) A) How does the provision of social security affect people incentive to save while they are working? There is a benefit offset for people who retire early. At age 62, I will start getting Social Security benefits (in two months). I can work and earn up to $12,600.00 without a reduction in SS benefits. On an actuarial basis, a person gets the same total amount of benefits if he retires early or after age 65. You just get lower payments, but for a longer period of time. I retired early. So my SS benefits will be like a huge, tax free, pay raise for doing nothing. If a person does experience a benefit reduction, he really do Explain whether each of the following government activities is motivated by esn't lose benefits!!!!!!!!! If you take your SS benefits at age 62, and if you earn more than the minimum allowed, you are paying Social Security taxes while you work. You work longer, pay more in and benefits ultimately increase. B) how does the reduction in benefits associated with higher earning affect people incentive to work past age 65? When the benefites are reduced (like an increase in the age you can start collecting ... or a decrease in the inflation adjustment) then the dependants of SS will find they do not have enough money to pay their bills. This will entice many to find employment to compensate for what they cannot purchase (medicines, rent, food, etc. 8) a concern about equality or a concern about efficiency in the case of efficiency...
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...Appendix C Starting a Business Starting your own business can be exciting and daunting at the same time. Businesses use math when managing finances, determining production levels, designing products and packaging, and monitoring labor. A bakery can be a highly profitable and rewarding business. During this activity, you will apply the skills from Ch. 1 & 2 to navigate some of the issues facing bakery owners. Application Practice Answer the following questions. Use Equation Editor when writing mathematical expressions or equations. First, save this file to your hard drive by selecting Save As from the File menu. Click the white space below each question to maintain proper formatting. 1. You have recently found a location for your bakery and have begun implementing the first phases of your business plan. Your budget consists of an $80,000 loan from your family and a $38,250 small business loan. These loans must be repaid in full within 10 years. a) What integer would represent your total budget? The integer is 118,250 b) Twenty-five percent of your budget will be used to rent business space and pay for utilities. Write an algebraic expression that indicates how much money will be spent on business space and utilities. Do not solve. .25(118,250)=u c) How much money will rent and utilities cost? Explain how you arrived at this answer. I solved this problem by converting 25% into a decimal and multiplying it by the total loan amount. d) Suppose an...
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...To: James Barrett, From: Assistant Marketing Director Date: November 27, 2012 Subject: Amy’s Bread INTRODUCTION Here is the analytical report that you requested on November 18, 2012 to conduct research on www.amysbread.com in order to determine the feasibility of opening a retail operation in the Metropolitan area of New York. Amy originally went to school to study economics at St. Olaf College. Amy Scherber eventually followed her passion for baking and went to France where she learned old-fashioned baking techniques. Amy is actively involved in the community. Amy’s Bread offers a variety of artisan bread for 20 years. FINDINGS The webpage is organized into 6 main categories as follow: Locations, Menu, Wholesale, Shop, Press, and Our Story. Locations There are three retail operations located in Hell’s Kitchen, Chelsea Market, and The Village Each location is accessible by public transportation. Parking is only available in the Chelsea Market and The Village locations. Each of these locations are surrounded by pedestrian traffic in the busy city of Manhattan. Hell’s Kitchen: Chelsea Market: The Village: 672 Ninth Avenue 75 Ninth Avenue 250 Bleecker Street (Between 46th & 47th Streets) (Between 15th & 16th Street) at Leroy Street New York, NY 10036 New York, NY 10011 New York, NY 10014 212-977-2670 212-462-4338 212-675-7802 Hell’s Kitchen is the first location opened up by Amy in 1992. The small, cozy café seats 12 in...
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...1 ! !" # Table of Contents Beverage Recipes ------------------------------------------------ p 3 Pastry and Coffee Desserts ------------------------------------ p 14 Sauces -------------------------------------------------------------- p 30 2 ! !" # Beverage Recipes STARBUCKS FRAPPUCCINO ! " % " ( * ! # ! & ) + # $ ' $ STARBUCK'S CHAI TEA ) ) , &-. , , / * ) -0 2 STARBUCK'S JAVA FLOAT , $ " % 1 + " + , , $ + 3 " 3 ! !" # MOCHA COCONUT FRAPPUCCINO Like a cold Mounds bar in a cup with a caffeine kick thrown in for extra buzz. Find shredded coconut in the baking aisle and toast 1/2 cup of it (store the leftover coconut in the fridge). You'll use most of the toasted coconut in the blender, but save a little for the garnish when the drinks are done. ) ) ) 2 3 % ! " )" ) + + + + ) * + 0 5 $ )5 5 5 0 ) 5 6 4 / % &+ ! Variation on Mocha Frappuccino: + + ) 2 8 2 3 + % 7 7 , + ! + * 3 + 9 / 7 7 * STARBUCK'S FRAPPUCCINO ! - ) , 4 ! !" # STARBUCK'S FROZEN FRAPPUCCINO The Frappuccino is blended with strong coffee, sugar, a dairy base, and ice. Make double-strength coffee by measuring 2 tablespoons of ground coffee per cup (serving) in your coffee maker. The copy will be even more authentic if you use Starbucks beans and grind them yourself just before brewing. Coffee ) ) + ! " 6 " + 3 &+ ! Caramel 8 + ) " 7 7 Mocha 8 + ) " 4 / STARBUCK'S Frappucino II ...
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...They will be on every newspaper and every wall.” The princess was very angry she ripped a poster of the wall and grabbed a marker and put a X through the woman’s face. The princess got a knock at her door. She yelled, “WHAT!!” The stranger replied, “It’s T-Bone!” The princess rushed to the door and the discussed on how they were going to kill the woman. That night the princess called the man and the woman to talk about something important. The princess set out scones and water. T-Bone put poison in the girls scone. But of course the couple of the year had to share one. The man took a bite out of the scone first but the woman wasn’t wanting any. The man kept eating and the princess wanted to say something but she couldn’t, so she kept on talking. The man started to sweat very bad, it was dripping down his face. He started to itch very...
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...Is this a dagger which I see before me, The handle toward my hand? Come, let me clutch thee. I have thee not, and yet I see thee still. Art thou not, fatal vision, sensible To feeling as to sight? Or art thou but A dagger of the mind, a false creation, Proceeding from the heat-oppressèd brain? I see thee yet, in form as palpable As this which now I draw. Thou marshall’st me the way that I was going, And such an instrument I was to use. Mine eyes are made the fools o' th' other senses, Or else worth all the rest. I see thee still, And on thy blade and dudgeon gouts of blood, Which was not so before. There’s no such thing. It is the bloody business which informs thus to mine eyes. As he looked their seemed to be a dagger Hanging there. He closed his eyes and opened them again. It was still there the handle ready for him to grab. So he tried to grab it. His hand went right through it: it was there and yet he couldn't touch it. Was it his imagination, a phantom created in his sick mind? As he took out his own, dagger: the phantom dagger pointed to Duncan's room. He knew he was seeing things but it seemed real. When he looked again there was blood on it, which wasn’t there before. This was crazy. It couldn’t be real. He knew it was the violence from his mind that was manifesting in the form of the bloody dagger. As he stood there his mind was filled with murder and other horrible images and it scared him. Will all great Neptune’s ocean wash this blood Clean from my...
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...BUS 110 Final Exam 1. Sole proprietorship is a form of business in which the owner is actually the business; the business is not a separate legal entity. Characteristic element of the conduct of individual business is full responsibility of the owner. Wells Fargo sued Barry Constantine d/b/a The Scone Stone because they stopped received payments on the loan, which means that Mr. Constantine is personally liable for the Debt, because he is fully responsible for a company. He creates this company, so he is The Scone Stone, only he might be responsible for its debts. If Barry is unable to fulfill the debt using business assets, Wells Fargo can go after his personal property to fulfill the debt. This may include his personal bank monies, his automobile, or even his home. This means that a person operating a business, for the liabilities resulting from the corresponding all its assets, even private. In the case of this form of business is not on the delimitation of the company's assets and personal property of its owner. The company’s creditors (Walls Fargo) may enforce their claims from the assets of both, company and private entrepreneurs. What's more personal creditors from bank, in which the entrepreneur contracted a loan for his business, even in the absence of repayment, may assert their claims not only from the company assets, but also from a private savings. Responsibility of the entire property is not limited to property acquired during the business activity, but is also...
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...where we could talk by ourselves and I had to consider my approach carefully as I didn’t want to upset her even more. As part of my course, my class and I had to participate in a group event called Christmas cheer. This included us getting into groups to cook food which would be served to the elderly. We first had to decide what groups we would be in and this was done very easily and quickly This included our class getting into small groups and cooking food which the elderly would be served during this event. I was partnered up with four girls from my class who on several occasions I had to have a group discussion with. The first discussion we had to do is to discuss what we were going to cook. One of the girls decided to do scones whilst a few others wanted to do a gingerbread house. We finally decided on welsh cakes and then had to find a recipe for them. All of us found a recipe which we thought would be appropriate and they decided on a Mary Berry recipe as she was a famous cook. Me and one of the other girls was not happy about this as most people do not like spices in their food and so there was a bit of conflict within this. I think we had a lack of communication as some people within the group didn’t know each other and the environment in which we had the discussion was not appropriate. We had to sit along the desks in a straight line meaning there was a lack of eye contact and you could not read everyone’s body language. The...
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...overlooked. On the other had (or paw) canines do have unfathomably great related memory. This fundamentally implies if your pooch can related something with what you let it know then it will probably recollect what you let it know for a considerable length of time to come. For instance on the off chance that you told your puppy (expecting you could talk doggy dialect) that the chocolate bread rolls were in the cabinet your pooch would presumably overlook this inside a couple of hours. Be that as it may, in the event that you demonstrated your puppy where the chocolate rolls were, rehashing the words 'chocolate bread rolls', each time you said 'chocolate scones' it would presumably go straight to the organizer. It might likewise seek the pantry like clockwork for whatever remains of its life searching for the chocolate scones yet that is not the...
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...Summary: Act 2, scene 3 A porter stumbles through the hallway to answer the knocking, grumbling comically about the noise and mocking whoever is on the other side of the door. He compares himself to a porter at the gates of hell and asks, “Who’s there, i’ th’ name of Beelzebub?” (2.3.3). Macduff and Lennox enter, and Macduff complains about the porter’s slow response to his knock. The porter says that he was up late carousing and rambles on humorously about the effects of alcohol, which he says provokes red noses, sleepiness, and urination. He adds that drink also “provokes and unprovokes” lechery—it inclines one to be lustful but takes away the ability to have sex (2.3.27). Macbeth enters, and Macduff asks him if the king is awake, saying that Duncan asked to see him early that morning. In short, clipped sentences, Macbeth says that Duncan is still asleep. He offers to take Macduff to the king. As Macduff enters the king’s chamber, Lennox describes the storms that raged the previous night, asserting that he cannot remember anything like it in all his years. With a cry of “O horror, horror, horror!” Macduff comes running from the room, shouting that the king has been murdered (2.3.59). Macbeth and Lennox rush in to look, while Lady Macbeth appears and expresses her horror that such a deed could be done under her roof. General chaos ensues as the other nobles and their servants come streaming in. As Macbeth and Lennox emerge from the bedroom, Malcolm and Donalbain arrive on the...
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...Anglo-Scottish border with a large army and announced to be a supreme ruler, who came to settle a dispute in a vassal state, forcing each potential king to pay him homage. After hearing all of the claims, Edward chose John Balliol as king of what he described as the vassal state of Scotland. In March 1296, Balliol renounced his homage to Edward, and by the end of the month Edward stormed Berwick-upon-Tweed, sacking the border town with much bloodshed. In April, he defeated the Scots at the Battle of Dunbar in Lothian, and by July had forced Balliol to abdicate at Kincardine Castle. Edward went to Berwick in August to receive formal homage from some 2,000 Scottish leaders, having previously removed the Stone of Destiny from the Palace of Scone, the palace of the Scottish kings. Scotland was to be under effective British rule....
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...Mexicans in America bring much of their dietary culture here. The most important ingredient in their staple food is corn. They like to make a variety of food using corn, such as pancakes, waffles, scones, breads and pastes, etc. In addition to this, chili and avocado are also indispensable for Mexicans in America. They use chili to make chili sauce with other ingredients like tomatoes, carrots, and cucumber. Most of the sauces are sour but not salty and hot while some are really hot. Avocado sauce is another sauce that Mexicans often make. They dip chips, chickens, or anything in different kinds of sauces and eat. Combine the corn and sauce, we get the authentic Mexican food, tacos. It is a famous Mexican dish made by a folded tortilla filled with various meats and vegetables, such as tomato, onion, cabbage, lettuce, beans, chicken, beef, and steak, etc. Finally, add some sauce, pepper or other spices in it. Mexican immigrant has been one of the biggest ethnic groups in America and Mexican area in the U.S became quite a large market for corn and chili consumption. Be subject to influences of culture and dietary habit, Mexican residential area can be ideal fields for the U.S agricultural producers and food producers to enlarge market. The principal products being consumed by Mexicans in America are: a. Corns and wheat b. Meat c. Vegetables and fruit, such as Chili, tomato, lettuce, onion, and avocado, etc. Mexicans’ food consumption has become a key...
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...Market Mix The Four P’s Price, Product, Promotion, and Place My company has decided that we want to sell a particular product or offer a service? This product will be based on Coffee. Not just hot coffee’s – but Iced Coffee’s with different flavors. As the company grows we will introduce 2 simple baked goods, English Scones and muffins. Deciding to sell these certain products will keep it simple in the beginning. As my company action plan will employ the market mix, and the essentials of the four P’s that will enable me access to get the goods and services to the customers that I am targeting in my local area. The action plan is called the “Marketing Mix”. The marketing mix is one of the biggest and most critical decisions that a company can make. A bad marketing mix can result in poor performance and the potential for financial losses. One has no wish to be alone with a great cup of coffee and a Blueberry Scone watching the Casey Anthony Trial in an empty Coffee Shop. Now that’s a bloody nightmare there.(Fulton et al, 2006) The Origins of the Market Mix Plan It is well known the marketing mix plan created and well defined by McCarthy some forty years ago. It is commonly used to date as the standard outline and set of marketing tools that a firm uses to pursue its marketing objectives or goals (Kotler and Keller, 2006). The marketing mix is then broken down into four distinct categories. These categories are called the four P’s or Product...
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...In Saudi Arabia, businesses have flourished greatly over that last couple of years. Global Family businesses, In Riyadh to be specific, have become vastly recognized in the field of business and finance. We have chosen a company that has established a great form of management. BbThe company, like any strong successful business, has many strong and prestigious competitors, therefore, it focuses on every aspect of management and leadership. For the company to gain its respect, it has to develop a strong management plan, strategies., innovation, and mainly ethics. The United Food Industries Corporation Limited Company was set up in 1986 under the brand name of "Deemah" with the primary motivation behind assembling scone...
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...Question7: Based on the information in case Exhibit 3, which fast-casual and full-service restaurant chains appear to be Panera’s closest rivals? Competition “Third Place” segment * Panera has huge competitors such as, Einstein, Starbucks, Atlanta Bread Co and Panera’s Menus are quite similar. They all sell a similar combination of products. e.g: Menu of Einstein and Panera are quite similar. Both menus for breakfast include; bagels, scones, cinnamon twists, coffee cake, cookies, and muffins. Lunch menus include; soups, salads, and sandwiches. They also both offer hot and cold beverages. * Starbucks which has more than ten times more locations and around eight times more revenue. Like Starbucks, Panera Bread hopes to convey a casual, friendly atmosphere for people to “chill out” and enjoy the Wi-Fi and good times with friends. * While these are the closest rivals, Panera must also compete with casual dining restaurants, fast food places and any number of other locally- owned establishments. Dinner segment Applebee's has a strong position; it has the double of locations and a weak presence abroad. Its revenues are a 70% higher than Panera and also it has a good reputation. Specific bakery segment Au Bon Pain represents a serious competitor; with the 40% of location in USA and abroad than PBC, also has reached around of the 40% in revenues than Panera. Comfort, family customers and customer acceptance segment Cracker Barrel represents a risk; the business...
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