...September 13, 2013 Mr. Homebuyer Prospect 144 Legal Lane Partnership, USA 3333 Dear Previous Customer: It has been quite some time since we last spoke. I wanted to catch up and give you an update as to what is happening within the world of real estate and mortgages. Certainly a lot has happened nationally since I last financed your home. We have gone through a real estate boom and a recession and home prices have fallen from their peaks a few years ago. The recession has provided pain for many Americans. It also has provided opportunities for many others. With regard to real estate, lower home prices have translated into bargains. Many investors are purchasing foreclosures and other distressed properties. Others are taking the opportunity of the lowest rates in history to refinance. I have refinanced many previous clients who have achieved hundreds of dollars in monthly savings and others who have moved into 15-year mortgages. With homes not appreciating as they were, building up equity through prepayment is a very popular objective today. Some have lowered their rate enough that they have been able to move to a 15-year schedule without increasing their payment! I would like to schedule a phone call with you to get an update as to what is happening in your life and financial situation. I may be able to give you an idea of what values are in your neighborhood and how your present credit score can be improved to further your future financial prospects. Please...
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...Life and School: Making it work Education is crucial in today’s world, and most times there is a need to choose to either work full time or go to school full time. In most cases, choosing one or the other is not an option. Finding the time to balance college classes with all of the activities in your daily life is what most people who are considering going back to school find most difficult and discouraging. However, with the right strategy balancing life and school can be manageable. We live in an age where women play a crucial role in the job market and in the home setting. This is no exception for me. Prior to school, my work and home life consisted of being a mother to my dogs, a wife to my partner, a leader and manager at my job, a socialite to my friends, a dedicated family member, a maid and a cook! Trying to factor in college classes seemed frightening at first! It has been ten years since I have attended any kind of educational classes; however, seeing that I regretted not attending college directly after high school, I made the decision that going back to school would open up many career opportunities for me. Deciding that I wanted to go back to school to expand my knowledge and career opportunities was the biggest decision that I have ever made thus far. Since I do not have the luxury to always have a set schedule to where I can attend traditional college classes in a classroom, I made the big decision to do distance learning as opposed to traditional...
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...Introduction IKEA, founded in 1943, is a world famous home furniture company whose vision is “To provide better life for everyone”. The brand provides modern and fashionable low cost furniture for over 38 countries with 301 stores. It is the largest furniture retail chain in the world and boasts a range of 12000 products, including home furniture and accessories. What’s more, it’s concern for people and environment lead to excellent use of raw material and energy, which result in their green targets and the overall environment. We are going to analyse the difficulties in expansion in the U.S. market and use a SWOT analysis to assess the circumstances that affect the same. In addition, we would give our proposed strategy and the three-year plan both in U.S and Indian market. IKEA’s expansion plan in U.S, faced a lot of problems. Firstly, the economic recession had a deep impact on the home furniture industry in America. For example, the home furnishings sector decline strongly in 2008 by -7.9% to 94.58 billion dollars. Secondly, the demand for customization and convenience is strong in U.S. Because unlike people in other countries, the U.S. people prefer to store most of their clothes folded while Italians like to hang. They were buying vases to drink because of the too small glasses. In short, they want more comfortable sofas, higher-quality textiles, bigger glasses and more spacious entertainment units. And the do-it-yourself furniture takes time to assemble, which leads...
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...No More Home, now you’re On Your Own These days, most young people are choosing to move out and live away from home. At some time in your life you will have to decide between staying at home with your parents like you have always done, or starting a new life on your own, that means it’s time to start being independent. Moving out will affect every detail of your life, right down to the foods you eat, and how much money you can spend. At the moment you want to make a choice between these two completely different ways of life, you should know that living at home and living on your own have some similarities, and they also some differences that you have to think about before making a decision. Every young person should realize that living on your own is a big step towards becoming a responsible adult. When living at home, and living away from home you have certain responsibilities to do in both places. If your decision was to live at home with your parents, you have to help with household chores like cleaning the house, and your room, and you have to do it well, because if you don’t you will have face the consequences. For example, if you have to wash the dishes and you don’t do it, you will just have more and more dishes to wash on the following days. As well, if you decided to move away from home you will also have household chores because no one will be there to do them for you, so you have to do them. Another similarity is that no matter if you are living in your home or away...
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...Segmentation The following categories represent the people who would be the most likely to adopt the behaviour because they do not live a single life by themselves. They share the space at home with at least one person on the daily basis. Segment 1: Four nurses who are married/ in couple and do not have children These four employees would be the most difficult to convince because they could argue that because they do not have a child to take care of once they get home, they should not have to wash their hands as frequently as their colleagues who are parents. These nurses could think that there would be no serious consequence if they allow themselves to be a little careless. When confronted with the possibility of contaminating their partner or husband, they could well say that because their husband or partner works late, they fall asleep by the time he finally comes home. They could also say that because they are both adults in the household, each person should know how to take care of oneself. Or else, these nurses could argue that the risk for grown people to be contaminated by a sick spouse or partner’s germs is barely existant in comparison with households where a child is present. Segment 2: Thirty three nurses who are married/ in couple with children Segment 3: Five nurses who have children but are not married/ in couple These two categories representing a total of thirty eight people could actually be put together because there is a child factor. In fact, nurses...
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...compete with hourly daycare offer by Play Date and the Child Development Centers of the Army base Fort Bragg. The lower price that they offer will help the nursery compete against others, adding value and a good reputation to the service provided. The focus is to meet the demands of the stay at home parents requesting the need of one more day. The financial objectives are to obtain at least ten kids from ten different households, pay at least three employees and at still break-even for that particular day. 2.0 Situation Analysis Saint Patrick’s Nursery was open about 20 years ago with the purpose of taking care of kids while the parents attended mass. Throughout the years the nursery requests from parents has help developed the concept of Parent’s Morning Out (PMO) open on Tuesdays and Fridays morning only. It has come to the attention of the current Nursery Director the need of one extra day. However, in order to open the nursery on Wednesdays, the nursery must have at least ten children from ten different households. This is due because children from the same household receive a discount for the service. Hourly daycare is increasing in popularity and demand. Stay at home parents find it more easily to find an hourly daycare than to ask the spouse to take the day off, if they have an appointment, run some errands, or simply take a break from an already hectic lifestyle. Saint Patrick’s Nursery hopes to be one of the first considerations among these parents. In order...
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...of industry, environment, and as well as internal factors. We will present a number of possible strategic alternatives with its advantages and disadvantages. Finally we will conclude the analysis with our recommendations. II. INDUSTRY AND ENVIRONMENT ANALYSIS Over the last few decades the luxury vacation industry has been characterized by the increased demand for the perfect vacation and increases in income in top percentages of the American population. Around the time of the early 2000's only 3 to 5 million Americans could afford the type of membership fee required to join a business similar to Exclusive resorts. The residence club industry is high fragmented and made up of timeshares, private resident clubs, whole ownership second homes, luxury villa rental, branded private residence clubs and destination clubs. The only one of the above mentioned that competes directly with Exclusive Resorts are destination clubs. Exclusive Resorts follows a differentiation strategy distinguishing themselves from the others by product offerings, market presence and growth strategies. As mentioned there are several key segments in the industry. Timeshares traditionally have...
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...Your Home is a Good Place, Inc. 1. Does YHGP have a viable market? Are there enough customers as envisioned by Norwalk to support his vision? Examine the tabulated US Census data and prepare supporting documentation for your answer. * Uniqueness of industry may help Norwalk gain success. * There are 33,353/319,290 households that have an income of 100k or more. Norwalk wants to obtain five customers a month that clear 100k a year to pay 10k or more on projects; that only requires 60 households for Norwalk’s idea of success. 2. Are there customer groups that Norwalk is omitting from his target group? If so, why should Norwalk consider expanding his market base? * Anyone under yearly income of 100k, age, demographics. * Create more business and marketing to himself and contractors involved 3. Norwalk has chosen to approach female customers as the decision makers. Is this limiting his abilities to expand his business? * Discussion SITUATION (OVERVIEW): Bill Norwalk is an entrepreneur in his 50’s that has a background in marketing and wants to launch a new industry that satisfies homeowner customer needs. BACKGROUND (OVERVIEW OF CASE): Norwalk’s construction experience taught him that traditional home improvement was an iffy proposition for both contactors and home owners. YHGP was attended by homeowners, contractors, and other service providers in the “one stop” environment that emphasized convenience as a marketing strategy. Norwalk knew...
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...Mr. Rick Hermann 9035 Masi Drive Fair Oaks, CA 95528 Dear Mr. Hermann I noticed today that your current home listing in Fair Oaks has recently expired. My goal is to introduce myself, and tell you about Placer Hills Real Estate. We can offer you attention and services that are unmatched by other real estate companies. . I am also a Whitney Hills resident, and I primarily work in this area with buyers and sellers. As a matter of fact, I have shown your beautiful home to potential buyers. There was a lot of detail and thought put into your home. Your home has many unique features and upgrades making it an excellent value among homes currently on the market in this price range The service and experience I can offer, when helping you with your selling needs, is unmatched. Working together with you, I am confident that we can analyze your present and future goals, and help you obtain them. If you are curious as to the type of activity that has been occurring in your area, or you would like to discuss your needs and goals, I would be more than happy to come by and talk with you. Gaining your trust and confidence for the building of a solid relationship for the future is my first priority. Feel free to call me to set up an appointment if you would like a unique perspective for marketing your home from someone with thorough knowledge and experience with homes in your neighborhood. I look forward to talking with you soon. Best regards, Emma Cavalli Realtor Consultant ...
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...INTRODUCTION In today's busy world, balancing priorities is quite challenging. The twenty four hours seems isn’t enough to finish all the demands of the day. This dilemma calls for time management. An individual must have time for work, for a break, and for boundless tasks at home. One of these never ending household chores is laundry. Historical dates show that laundry was originally not done at home. People in the ancient times did their laundry in streams and rivers. As time goes by, laundry was moved in-house and there have been improvements on how people wash their clothes. Washing machines were then invented, and these machines make laundry more convenient and at home. But as peoples’ life change in response to the fast growing technology, many of them haven't have the time to do their laundry, since it is still time-consuming even with the help of machines. Most people think that the time for laundry can be allotted to studies and in the advancement of their careers. So this is why, laundry shops were addressed. Many people use it as their business in order for them to have an income. Before technology has began, there are some early laundry methods and tools like washing clothes in the river, Laundry shops were also called as a Laundromat, where it is a type of launderette, used for a place that has machines for washing and drying clothes, towels, sheets, etc. Some laundry shops, the owner or employees were the one who do the service. And some of laundry...
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...The Home Depot Johnathan Benson ETH/316 3/4/2015 Clement Stubstad The Home Depot The Home Depot is the world's largest home improvement store. People from all over the world, shop at The Home Depot for all their home improvement needs. Currently, the company is listed in the number thirty-three spot on the Fortune 500 list. The Home Depot has eight core values where they speak of not only the community and their employees, but they also speak about their commitment to their shareholders. The Home Depot states (The Home Depot Values, 2013) " The Home Depot's values guide the beliefs and actions of all associates on a daily basis. Our values are the fabric of the Company's unique culture and are central to our success. In fact, they are our competitive advantage in the marketplace. Associate pride and our "orangeblooded" entrepreneurial spirit are distinctive hallmarks of our culture." These values are listed as; Taking care of our people, Giving back to our communities, Doing the right thing, Excellent customer service, Creating shareholder value, Building healthy relationships, Entrepreneurial spirit, and Respect for all people. These values have helped the organization grow over the years, however; these values have helped the company grow tremendously since 2013. Home Depot's values are very near and dear to the heart of CEO and President Craig Menear. He believes that these values are what will make The Home Depot grow. As a stakeholder in any company, an individual...
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...out of all the others she possesses. She is always there for my family and I. every day she has to wake up early and get breakfast ready for my brother and sister before they go to school. Every day she takes care of the housework and makes sure that we all have what we need for school. She has a small business where she sales clothing in order to provide for our family and pay for utilities. At times where we can’t help around the house she is more determined to finish all the chores that need to be done. It is her caring that impresses me along with her determination to continue doing it all over again on a daily basis. All these little things she does them because she cares a lot about our family her caring in a way motivates everyone at home to meet their goals and get things done. It is because of her that I have made it this far in college she did this because she cared for me throughout my whole life. My mom is that one person that will always care for us and won’t stop caring. All these things she does them because she wants to do them not because she has to. She takes the time to think about her family and does all sorts of small little things to help us out. It is because of her that I have acquired this quality as well and I will continue this quality to maybe pass it on to somebody...
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...Courtney Davis October 2, 2014 Bethany Quest III First Essay What is Home? The definition of home is the place where one lives permanently, especially as a member of a family or household or an institution for people needing professional care or supervision. This definition describes home in the most basic form that truly has no other meaning. The first definition does not take into account the millions of people who possibly do not have a permanent residence or who has no family. It seems to suggest home is a place without personal value; well I think that the term home has a considerably large amount of personal significance that give it a different definition depending on each individual. Home is a place that one would want to go to. “I just want to go home”, clearly indicates a want to go to a certain place. This goes back into the notion that home does not specifically have to be a house. There are plenty of people who feel at home in places that are nowhere close to a permanent residence. There are some people who live in the city, but feel like they are at home when they visit the mountain side. To feel at home, I think, constitutes being at home no matter where it may be. It is a place where people can be content or possibly happy. Home is a place where one could live according to who they feel that they are. Home is a place of expression. It may seem like this is only true for those who own their own house and can decorate...
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...be there when you are completing your Community Service. If appropriate, we encourage Clubs to perform “Acts of Kindness” for their Sparrow Family, as part of their Community Service. Always check with the family or a Sparrow Clubs representative first, to make sure that this is a good fit. Here are some examples of what Legitimate and Non-Legitimate Community Service is: LEGITIMATE COMMUNITY SERVICE Perform “Acts of Kindness” for your Sparrow Family. Help other non-profit organizations. Sing Christmas carols to elderly people at a retirement home. Gather firewood for an elderly person who lives alone Pick up the garbage at a local park. Make ornaments for Christmas tree at retirement home Make crafts for hospital. Shovel snow or remove ice for widow, elderly person, or needy family. Read to a younger child. Art projects for retirement home. Make placemats for “Meals on Wheels.” Entertain / read at a nursing home. Wrap Christmas gifts at Fire Department....
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...in the Berkshire Mountains foothills and is home to stately houses, churches, museums, and more. Ridgefield regularly makes Connecticut Magazine's list of the best places to live, as it offers access to a variety of services and outstanding schools, and the crime rate remains very low. For this reason, many look to the Real Estate Market in Ridgefield CT, when the time comes to relocate. Demographics Many wish to know more about the Demographics of Ridgefield CT, before moving to the area. The median household income for the area comes in at $81,179, with the median income listed as $127,327. Approximately 22,000 residents now live in the town with close to half having children under the age of 18. Close to three-quarters of these households were family units, and approximately one-fifth were individuals living alone as of the 2000 census. Very few families fall below the poverty level in Ridgefield. Town History...
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