A U.S. lease-to-own chain considers whether to test its business in Mexico
Stan Windham walked into the newest Coe's store in South Tucson. As CEO of the lease-to-own chain, he was eager
to see how his 1,000th location was performing. Aubrey Merrin, the store manager, met him at the door.
"Mr. Windham, so good to see you, sir. The new employees are real excited to meet you. And of course I want to
update you on how everything's going," Aubrey said as he ushered Stan inside. "We're doing great so far. Open for
less than a month and over 100 customers already. It's a real good start, sir, a real good start."
"You don't have to call me 'sir,' Aubrey," Stan said, realizing it was probably hopeless. "Congratulations. I've said it
before, but I'll say it again: I appreciate your taking this on."
Aubrey had transferred from the Coe's up in Flowing Wells, where he'd been the store manager for 10 years. He was
raising three kids on his own, and although this location meant a slightly longer commute, he'd jumped at the
opportunity.
"I'm honored, sir, to be opening a brand-new store," he said. "And with the economy as it is, I'm just happy to be
working for a growing company." He pointed up at the celebratory banner that still hung in the front of the
store. "Everyone else I know is talking about layoffs, not grand openings."
Stan felt lucky, too. When his father, Terry, opened the first Coe's back in the 1950s, he certainly hadn't set out to
enter a countercyclical industry. He'd invested $600 in 32 chairs to rent out to auction houses, and the business
expanded from there into party equipment and sickroom gear. In the 1970s he shifted to residential furniture and other
household goods. Terry prided himself on conservative growth--when he was starting out, he wouldn't buy a second
item in a category (say, a sofa or a refrigerator) until the first one had been rented--and he took a "tough love"
approach with his employees, especially with his son. When Stan started as an assistant manager, in 1984, the same
year Coe's went public, Terry had expected him to work harder than everyone else to prove his worth. And Stan
had. Coe's now took in over $2 billion a year in revenues.
Stan looked around at the room displays. "We thought this might be a tricky location for us with Mr. Rental all over
South Tucson," he said.
Aubrey nodded. "Yes, sir, I was worried about that, too--market saturation. I've read about it. But we're different from
Mr. Rental."
Unlike many of its competitors, Coe's had always emphasized ownership: More than half of its customers became
owners by the end of their leases, compared with 25% for Mr. Rental. Coe's offered a monthly payment schedule and
a shorter contract period (12 months versus four or five years), which meant higher fees each month but a lower cost
of the eventual purchase. Also, Coe's managers were trained to approve lease agreements only for people who could
afford the payments.
"Are .
Imagine getting under the skin of 11 successful millionaires today, in Network marketing telling their stories, about developing their business from zero to millions.
Hearing these people telling YOU how they succeed through imprisonment, suicide thoughts, bankruptcy, and to been left out in the cold as a spy. Turning setbacks into stepping stones, expanding their mindset and influence millions of peoples life, by becoming inspirator for others to succeed in the industry. Because success leaves clues.
These people have more than 25 years of experience, building worldwide Network marketing organizations, follow their advice and hard-earned knowledge, become the leader of your own life and your Network marketing business will never be the same again. This book is real to life, not merely philosophical conjecture filled with clichés meant to appease.
GET THE BOOK TODAY! http://amzn.to/2JK9PRf
Imagine getting under the skin of 11 successful millionaires today, in Network marketing telling their stories, about developing their business from zero to millions.
Hearing these people telling YOU how they succeed through imprisonment, suicide thoughts, bankruptcy, and to been left out in the cold as a spy. Turning setbacks into stepping stones, expanding their mindset and influence millions of peoples life, by becoming inspirator for others to succeed in the industry. Because success leaves clues.
These people have more than 25 years of experience, building worldwide Network marketing organizations, follow their advice and hard-earned knowledge, become the leader of your own life and your Network marketing business will never be the same again. This book is real to life, not merely philosophical conjecture filled with clichés meant to appease.
GET THE BOOK TODAY! http://amzn.to/2JK9PRf
The Squeaky Clean Legacy, Chapter 6.x: Rich at the Publius Expenseprofessorbutters
Publius Scipio Goodytwoshoes, ancient Roman patrician, shares business tricks and tips for Pleasantview times. It's a long, long way from Ostia and a hard slog to Five Top Businesses.
50 | FORBES junE 21, 2016
J
e
f
f
S
c
io
r
t
in
o
f
o
r
f
o
r
b
e
S
scratch. Today she is cofounder and co-owner
of That’s Caring, which sells gift baskets tied
to a social purpose, and nuphoriq, a marketing
company that specializes in helping other cater-
ing companies. Both ventures were started with
the financial support and advice of Tom, Larry
and Kevin Walter, the three brothers who own
Tasty Catering. At last count some 11 employees
have started a dozen ventures while working
for Tasty. The spinoff companies generate a
combined $19 million in annual revenue—nearly
double the parent company’s revenue.
“Turning our employees into entrepreneurs
has provided many advantages for our busi-
ness,” Tom Walter says. “We have created more
employment for more people, we don’t lose our
W
hen Jamie Pritscher
joined Tasty Catering as
a logistics manager in
2006, she was happy to
land a job. The business,
which at the time had just under $5 million
in annual revenue, had recently moved into a
23,000-square-foot building in Elk Grove Vil-
lage, Ill., and Pritscher was one of several people
brought on to keep up with the growth. “It was
scary,” she says, “because I was essentially creat-
ing my position. I had to figure out how to pay
for myself.”
Pritscher succeeded so well that she has
gone on to take advantage of the unusual culture
at Tasty to create two new businesses from
By Darren Dahl
tasty catering has won accolades for its food and its workplace culture. but its most
impressive product may be the business owners it’s grooming.
small giantsENTREPRENEURS
Jamie Pritscher told Tom
Walter (both above) she
would quit if he didn’t
change the way he ran the
company.
Serving Up Entrepreneurs
F0621p050 ENT TastyCatering LO.indd 50 5/19/16 7:41 PM
52 | FORBES junE 21, 2016
neurs. The goal was to see if the employees of
even a small, blue-collar business could find the
kind of fulfillment that would get them excited
about coming to work—and sticking around.
Soon after, Tim started exploring how Tasty
could generate more revenue from its kitchen,
which sat unused 16 hours a day. Online, he
found an open request from several school
systems for 800,000 muffins that would meet
certain dietary restrictions. He submitted a bid
and won, but Tasty’s ovens weren’t big enough
to handle the job. So he suggested buying new
ones that would cost $85,000.
Instead, his father and uncles decided to
invest the money in a company, T.F. Processors,
that is owned jointly by the four Walters with
Tim serving as CEO. Today it bakes muffins,
breakfast breads and cookies for private labels as
well as for Tasty, has 18 employees and generates
some $2 million in annual revenue.
Pritscher started That’s Caring in 2008.
Three years later she teamed up with Erin
Walter, Tim’s sister, to launch nuphoriq, a
marketing agen.
Joseph Freberg had been with Alcon for 18 months. He had begun his c.pdfagrobangalore
Joseph Freberg had been with Alcon for 18 months. He had begun his career right out of college
with a firm in the Southeast called Cala Industrial, which specialized in air compressors. Because
of his work with Cala, he had been lured away to Alcon, in Omaha, as a sales manager. Joseph’s
first six months had been hard. Working with older salespeople, trying to get a handle on his
people’s sales territories and settling into the corporate culture of a new firm took 16-hour days,
six days a week. During those six months, he also bought a house, and his fiancé, Ellen,
furnished it, deciding almost everything from the color of the rugs to the style of the curtains.
Ellen had taken a brokerage job with Trout Brothers and seemed to be working even more hours
than Joseph. But the long days were paying off. Ellen was now starting to handle some large
accounts and was being noticed by the “right” crowd in the wealthier Omaha areas. Costs for the
new home had exceeded their anticipated spending limit, and the plans for their wedding seemed
to be getting larger and larger. In addition, Ellen was commuting from her apartment to the new
home and then to her job, and the commute killed her car. As a result, she decided to lease
something that exuded success. “Ellen, don’t you think a Mercedes is a little out of our range?
What are the payments?” inquired Joseph. “Don’t worry, darling. When my clients see me in
this—as well as when we
start entertaining at the new house once we’re married—the payments on the car will seem small
compared with the money I’ll be making,” Ellen mused as she ran her fingers through Joseph’s
hair and gave him a peck
on the cheek. By the time of their wedding and honeymoon, Joseph and Ellen’s bank statement
looked like a bullfighter’s cape— red. “Don’t worry, Joseph, everything will turn out okay.
You’ve got a good job. I’ve got a good job. We’re young and have drive. Things will straighten
out after a while,” said Ellen as she eyed a Rolex in a store window. After the wedding, things
did settle down—to a hectic pace, given their two careers and their two sets of parents 1,000
miles away in either direction. Joseph had realized that Alcon was a paternal type of
organization, with good benefits and tremendous growth potential. He had identified whom to be
friends with and whom to stay away from in the company. His salespeople seemed to tolerate
him, sometimes calling him “Little Joe” or “Joey” because of his age, and his salespeople were
producing—slowly climbing up the sales ladder to the numberone spot in the company. While
doing some regular checkup work on sales personnel, Joseph found out that Carl had been giving
kickbacks to some of his buyers. Carl’s sales volume accounted for a substantial amount of the
company’s existing clientele sales, and he had been a trainer for the company for several years.
Carl also happened to be the vice president’s son-in-law. Joseph started to check on the other
reps more closely and discovere.
-I am unable to accept emailed exams or late exams. No exception.docxgertrudebellgrove
-I am unable to accept emailed exams or late exams. No exceptions.
-For technical issues you would need to go through tech support.
-Turn in work early to avoid technical issues. Technical issues are not a valid reason for failing to submit work.
-Make sure to research the exam drop box and where to find it a week or more ahead.
-Make sure to read all announcements and most importantly around exam times.
-The Professor has 2-3 days to grade the exam and once graded you need to check your grade book. I do not release exam grades via email.
-For any directions only contact your Professor, DO NOT use “all student” email to email other students because this only confuses them and points will be deducted as well as violations of the course policies
--Most exams you are given a FULL WEEK to complete. I also indicate day one of the course what the exam will cover and include. Do not email me the last minute to turn in work or ask any questions. I may not be available the hour before an exam so it is important to plan ahead.
- Review the sample exam to gain an A. Follow the length, and structured, apply APA format and go in depth. It is not too rough but points are deducted for failing to following the samples.
-Please do BOTH (1) copy and paste your work into the dropbox comment are or area provided, PLUS (2) attach the file. PLEASE DO BOTH. For attachments it must be in word. If it is any other format, or I am unable to open the file (such as word perfect) a 0 (zero) will be granted and no re-submissions will be allowed)
-See your course due dates for any dates as well as announcements. These are set and well planned week 1.
-Do not use work you previously submitted this term or a past one, do not work with anyone and do not plagiarize. This will result in a 0/F and I want you to gain an A!
-1 page each question, APA format.
-Keep an eye on your gradebook for grades. I am unable to respond to “confirm” if it is submitted or not, you can do so with tech support if needed.
NOTE +++IF YOUR TEXT DOES NOT HAVE END OF CHAPTER QUESTIONS, YOU MAY SUMMARIZE EACH CHAPTER IN DEPTH, THAT MEANS ALL CHAPTERS 7,8,9,10,11,12
EXAM worth 25 points.
READ ALL OF THE DIRECTIONS OR POINTS WILL BE DEDUCTED.
Grades will be final and I will not discuss the grade or
change a grade under any circumstances.
Work alone.
IMPORTANT NOTES:
Feel free to attach and/or copy and paste the work into the provided drop box.
No emailed papers will count.
IF YOUR CLASS HAS A DROPBOX THAT IS THE MAIN AREA TO SUBMIT THE EXAM
If I cannot open it I will not GRADE IT.
I will not accept ANY late work for exams.
FOLLOW THE DATES IN THE SYLLABUS ONLY!
YOU HAVE till the date listed on the syllabus to email it back to me. Good luck!
USE APA FORMAT
Please email me with any questions. DO NOT WORK WITH ANYONE! Put time into it and go IN DEPTH!
Please apply Primary sources, journals, articles, etc.
The Midterm is essay/short answer. Use the readings, the discussion .
-delineate characteristics, prevalence of exceptionality-evalua.docxgertrudebellgrove
-delineate characteristics, prevalence of exceptionality
-evaluate causes and concerns of each exceptionality
-critique and analyses component of the IEP
-identify and analyze instructional assessment and strategies to the individual with the exceptional needs
Follow the rubs. 4 DOUBLE SPACE with running head
.
-1st play name is READY STEADY YETI GO-2nd play name is INTO .docxgertrudebellgrove
-1st play name is "READY STEADY YETI GO"
-2nd play name is "INTO THE WOODS "
REVIEW PAPER GUIDELINES (3 pages,
Essay format) Introduction
Plot
What happens?
E.g., “Mother Courage follows the misadventures of Courage and her children over a ten year period during the 100 Years War...”
How does it happen?
E.g., “The play is built in a series of episodes, alternating personal struggles against a backdrop of the larger social/political struggles.”
What does it mean?
A one-two sentence that captures the essence of the action. In the case of Epic Theatre, this statement is primarily about the intended “lesson” of the play. E.g., “MC is about how capitalism inevitably leads to the corruption then destruction of society—from nations to families.”
Rhythm
Flow of the plots?
Character
Main character Description
E.g., “Courage is a middle-aged mother of three who will stop at nothing to exploit the financial opportunities she encounters. Her role in the play is ‘survivor.’ Her character is the ‘anti-mom’—a woman who sees her children (and other human beings) as a collection of debits and credits.”
Second Character Description
Thought—what are the ideas in the play
e.g., Mother Courage looks at the intersection of war and commerce and how one feeds off the other, to the destruction of land, civilization, and families. The ideas arise out of the work of Karl Marx. Summarize--
Historical (Where and When) Philosophical (What & Why)
Diction--
Summarize the language the playwright uses. How do the characters speak?
E.g., prose, poetry, cliché, long speeches, short, etc.?
7 of 8
Music—
is more than song, but the SOUND of the play. Describe the aural environment created and executed in the production.
Spectacle
—describe the visual environment of light and scenery created for the production, and their execution and relevance (e.g., it could look great but mean nothing, or it could look terrible but somehow it works!)
Conclusion
A paragraph about your particular feelings about the play—did it engage you? Were you changed, even a little? Goethe asked three questions—What was it trying to do? How well was it done? Was it worth doing? Answer these questions.
.
-6th-Edition-Template-without-Abstract.dotWhat are Heuristics .docxgertrudebellgrove
-6th-Edition-Template-without-Abstract.dot
What are Heuristics and can it lead to bias?
Why is Maslow's Hierarchy a basic psychological stable? (Watch the video for better understanding and cite it)
How does FEAR keep you alive? (See emotions and feelings video)
Please write 300 or more words and APA to address the above concepts for week four.
.
- write one 5-7 page paper about All forms of Euthanasia are moral..docxgertrudebellgrove
- write one 5-7 page paper about All forms of Euthanasia are moral.
- Argumentative/Persuasive paper structure
- Include an introduction and conclusion. The main points of your paper should be identified in
the introduction.
- include at least three arguments to support the position
- Include at least one opposing argument against your topic
- times new roman font
- double spaced
- 12 point font size
- work cited page
.
-1st Play name is BERNHARDTHAMLET -2nd Play name is READY ST.docxgertrudebellgrove
-1st Play name is "BERNHARDT/HAMLET "
-2nd Play name is "READY STEADY YETI GO"
PREVIEW PAPER GUIDELINES
1. Title of Show
2. Playwright (and, if musical, Composer, Librettist)
3. Creative Team: Lead actors, Director, Designers (if musical, Choreographer and Music Director)
4. Venue: Broadway, Off-Broadway, College, etc. (incl. # of seats, cost of a regular ticket
5. Audience: (that is, what demographic is the production trying to attract?) Whom do you think would come and enjoy the performance?
Substantiate this claim by citing advertising evidence--type of ad, where it is advertised (e.g., NY Times, TimeOut New York, Internet, radio)
6. In one sentence, what's the story about?
7. In three sentences, what is your expectation? E.g., Deliriously excited? Modestly intrigued? Morbidly curious? Apathetic? Anxiously anticipating? Horrifically terrified? Dolefully dreading? And why?
.
. 1. Rutter and Sroufe identified _____________ as one of three impo.docxgertrudebellgrove
. 1. Rutter and Sroufe identified _____________ as one of three important areas of focus in the future of developmental psychopathology.
A. How cause and effect underlie childhood disorders
B. The role of the media in the life of the modern child.
C. Creating a stricter definition of normal behavior.
D. Fetal development’s influence on childhood behavior
2. Which of the following questions is not appropriate on a mental status exam?
A. What’s four times five?
B. Who’s the current president of the United States?
C. What day of the week is it today?
D. Who wrote the Harry Potter books?
3. State laws can influence decision making in all the following ways, except
A. who can legally provide consent for the child.
B. beneficence and maleficence
C. timelines for reporting suspected child abuse
D. custodial versus noncustodial parental rights
4. The transactional model was developed to
A. illustrate how even very disabled children are able to adapt to their environments.
B. analyze exactly which characteristics are passed from a caregiver to a child.
C. predict the future of a child’s development by analyzing past events and behaviors.
D. show how a child adapts to an environment and how the environment changes as a result.
5. All of the following are true concerning the APA 10 ethical standards except
A. the standards were useful in past decades but are no longer useful.
B. the standards address appropriate advertising and displays of public information.
C. the standards address matters pertaining to research and publication.
D. the standards assist professionals to resolve ethical issues.
6. Which of the following is true regarding the age of majority?
A. It’s 18 in 34 of the U.S. States.
B. It’s 19 years in all Canadian provinces.
C. It’s 18 years of age in every USA State
D. It’s not an important consideration for psychologists working with children.
7. In the context of Sue’s 2006 article on cultural competent treatment, gift giving refers to
A. giving a token gift to the client
B. rules about barbering
C. accepting a gift from the client
D. gifts of therapy, such as reduced tension
8. Which of the following is one of the guiding principle of the American Psychological Association (APA).
A. Generosity
B. Duplicity
C. Felicity
D. Integrity
9. Mash and Wolfe (2002) suggest three goals of assessment . Which of the following is not one of the goals?
A. Diagnosis
B. Treatment planning
C. Prognosis
D. Research
10. Using the K-3 Paradigm involves knowledge of
A. brain chemistry
B. the Diagnostic and Statistical Manual of Mental Disorders
C. a child’s family medical history
D. developmental expectations
12. Which of the following is true regarding a functional behavioral assessment?
A. An FBA assesses the degree to which a behavior exists.
B. An FBA is norms-based.
C. The FBA was developed to analyzed why a behavior exists.
D. The use of FBA has been discouraged by the American Psycholo.
-Prior to the Civil War, how did the (dominant) discourse over the U.docxgertrudebellgrove
-Prior to the Civil War, how did the (dominant) discourse over the United States’ future reach a crisis point? What were the arguments regarding the Constitutionality of slavery and notions of citizenship? How did relative definitions of liberty/freedom/equality become irreconcilable?
.
- Using the definition Awareness of sensation and perception to ex.docxgertrudebellgrove
- Using
the definition Awareness of sensation and perception to explain why or why not dolphins have consciousness
!
-
two to three paragraph explanation
-
Specify the definition you are using.
Then demonstrate appropriate application of that definition.
- You should describe the creature you are exploring and its behavior for those unfamiliar with it.
- Stick to behaviors that are relevant to whether the creature has consciousness or not under your chosen definition.
- The behavior must be observable! You declaring that a creature "looks fearful/happy/sad" is not on observation, it's an opinion.
- Present arguments that illustrates your position.
* For example, "Research has shown (citation if available can help) that Orangutans can recognize themselves in the mirror and realize the image they see is a reflection of themselves. This suggests they have awareness of their themselves as separate from the environment and others."
.
More Related Content
Similar to A U.S. lease-to-own chain considers whether to test its busin.docx
The Squeaky Clean Legacy, Chapter 6.x: Rich at the Publius Expenseprofessorbutters
Publius Scipio Goodytwoshoes, ancient Roman patrician, shares business tricks and tips for Pleasantview times. It's a long, long way from Ostia and a hard slog to Five Top Businesses.
50 | FORBES junE 21, 2016
J
e
f
f
S
c
io
r
t
in
o
f
o
r
f
o
r
b
e
S
scratch. Today she is cofounder and co-owner
of That’s Caring, which sells gift baskets tied
to a social purpose, and nuphoriq, a marketing
company that specializes in helping other cater-
ing companies. Both ventures were started with
the financial support and advice of Tom, Larry
and Kevin Walter, the three brothers who own
Tasty Catering. At last count some 11 employees
have started a dozen ventures while working
for Tasty. The spinoff companies generate a
combined $19 million in annual revenue—nearly
double the parent company’s revenue.
“Turning our employees into entrepreneurs
has provided many advantages for our busi-
ness,” Tom Walter says. “We have created more
employment for more people, we don’t lose our
W
hen Jamie Pritscher
joined Tasty Catering as
a logistics manager in
2006, she was happy to
land a job. The business,
which at the time had just under $5 million
in annual revenue, had recently moved into a
23,000-square-foot building in Elk Grove Vil-
lage, Ill., and Pritscher was one of several people
brought on to keep up with the growth. “It was
scary,” she says, “because I was essentially creat-
ing my position. I had to figure out how to pay
for myself.”
Pritscher succeeded so well that she has
gone on to take advantage of the unusual culture
at Tasty to create two new businesses from
By Darren Dahl
tasty catering has won accolades for its food and its workplace culture. but its most
impressive product may be the business owners it’s grooming.
small giantsENTREPRENEURS
Jamie Pritscher told Tom
Walter (both above) she
would quit if he didn’t
change the way he ran the
company.
Serving Up Entrepreneurs
F0621p050 ENT TastyCatering LO.indd 50 5/19/16 7:41 PM
52 | FORBES junE 21, 2016
neurs. The goal was to see if the employees of
even a small, blue-collar business could find the
kind of fulfillment that would get them excited
about coming to work—and sticking around.
Soon after, Tim started exploring how Tasty
could generate more revenue from its kitchen,
which sat unused 16 hours a day. Online, he
found an open request from several school
systems for 800,000 muffins that would meet
certain dietary restrictions. He submitted a bid
and won, but Tasty’s ovens weren’t big enough
to handle the job. So he suggested buying new
ones that would cost $85,000.
Instead, his father and uncles decided to
invest the money in a company, T.F. Processors,
that is owned jointly by the four Walters with
Tim serving as CEO. Today it bakes muffins,
breakfast breads and cookies for private labels as
well as for Tasty, has 18 employees and generates
some $2 million in annual revenue.
Pritscher started That’s Caring in 2008.
Three years later she teamed up with Erin
Walter, Tim’s sister, to launch nuphoriq, a
marketing agen.
Joseph Freberg had been with Alcon for 18 months. He had begun his c.pdfagrobangalore
Joseph Freberg had been with Alcon for 18 months. He had begun his career right out of college
with a firm in the Southeast called Cala Industrial, which specialized in air compressors. Because
of his work with Cala, he had been lured away to Alcon, in Omaha, as a sales manager. Joseph’s
first six months had been hard. Working with older salespeople, trying to get a handle on his
people’s sales territories and settling into the corporate culture of a new firm took 16-hour days,
six days a week. During those six months, he also bought a house, and his fiancé, Ellen,
furnished it, deciding almost everything from the color of the rugs to the style of the curtains.
Ellen had taken a brokerage job with Trout Brothers and seemed to be working even more hours
than Joseph. But the long days were paying off. Ellen was now starting to handle some large
accounts and was being noticed by the “right” crowd in the wealthier Omaha areas. Costs for the
new home had exceeded their anticipated spending limit, and the plans for their wedding seemed
to be getting larger and larger. In addition, Ellen was commuting from her apartment to the new
home and then to her job, and the commute killed her car. As a result, she decided to lease
something that exuded success. “Ellen, don’t you think a Mercedes is a little out of our range?
What are the payments?” inquired Joseph. “Don’t worry, darling. When my clients see me in
this—as well as when we
start entertaining at the new house once we’re married—the payments on the car will seem small
compared with the money I’ll be making,” Ellen mused as she ran her fingers through Joseph’s
hair and gave him a peck
on the cheek. By the time of their wedding and honeymoon, Joseph and Ellen’s bank statement
looked like a bullfighter’s cape— red. “Don’t worry, Joseph, everything will turn out okay.
You’ve got a good job. I’ve got a good job. We’re young and have drive. Things will straighten
out after a while,” said Ellen as she eyed a Rolex in a store window. After the wedding, things
did settle down—to a hectic pace, given their two careers and their two sets of parents 1,000
miles away in either direction. Joseph had realized that Alcon was a paternal type of
organization, with good benefits and tremendous growth potential. He had identified whom to be
friends with and whom to stay away from in the company. His salespeople seemed to tolerate
him, sometimes calling him “Little Joe” or “Joey” because of his age, and his salespeople were
producing—slowly climbing up the sales ladder to the numberone spot in the company. While
doing some regular checkup work on sales personnel, Joseph found out that Carl had been giving
kickbacks to some of his buyers. Carl’s sales volume accounted for a substantial amount of the
company’s existing clientele sales, and he had been a trainer for the company for several years.
Carl also happened to be the vice president’s son-in-law. Joseph started to check on the other
reps more closely and discovere.
-I am unable to accept emailed exams or late exams. No exception.docxgertrudebellgrove
-I am unable to accept emailed exams or late exams. No exceptions.
-For technical issues you would need to go through tech support.
-Turn in work early to avoid technical issues. Technical issues are not a valid reason for failing to submit work.
-Make sure to research the exam drop box and where to find it a week or more ahead.
-Make sure to read all announcements and most importantly around exam times.
-The Professor has 2-3 days to grade the exam and once graded you need to check your grade book. I do not release exam grades via email.
-For any directions only contact your Professor, DO NOT use “all student” email to email other students because this only confuses them and points will be deducted as well as violations of the course policies
--Most exams you are given a FULL WEEK to complete. I also indicate day one of the course what the exam will cover and include. Do not email me the last minute to turn in work or ask any questions. I may not be available the hour before an exam so it is important to plan ahead.
- Review the sample exam to gain an A. Follow the length, and structured, apply APA format and go in depth. It is not too rough but points are deducted for failing to following the samples.
-Please do BOTH (1) copy and paste your work into the dropbox comment are or area provided, PLUS (2) attach the file. PLEASE DO BOTH. For attachments it must be in word. If it is any other format, or I am unable to open the file (such as word perfect) a 0 (zero) will be granted and no re-submissions will be allowed)
-See your course due dates for any dates as well as announcements. These are set and well planned week 1.
-Do not use work you previously submitted this term or a past one, do not work with anyone and do not plagiarize. This will result in a 0/F and I want you to gain an A!
-1 page each question, APA format.
-Keep an eye on your gradebook for grades. I am unable to respond to “confirm” if it is submitted or not, you can do so with tech support if needed.
NOTE +++IF YOUR TEXT DOES NOT HAVE END OF CHAPTER QUESTIONS, YOU MAY SUMMARIZE EACH CHAPTER IN DEPTH, THAT MEANS ALL CHAPTERS 7,8,9,10,11,12
EXAM worth 25 points.
READ ALL OF THE DIRECTIONS OR POINTS WILL BE DEDUCTED.
Grades will be final and I will not discuss the grade or
change a grade under any circumstances.
Work alone.
IMPORTANT NOTES:
Feel free to attach and/or copy and paste the work into the provided drop box.
No emailed papers will count.
IF YOUR CLASS HAS A DROPBOX THAT IS THE MAIN AREA TO SUBMIT THE EXAM
If I cannot open it I will not GRADE IT.
I will not accept ANY late work for exams.
FOLLOW THE DATES IN THE SYLLABUS ONLY!
YOU HAVE till the date listed on the syllabus to email it back to me. Good luck!
USE APA FORMAT
Please email me with any questions. DO NOT WORK WITH ANYONE! Put time into it and go IN DEPTH!
Please apply Primary sources, journals, articles, etc.
The Midterm is essay/short answer. Use the readings, the discussion .
-delineate characteristics, prevalence of exceptionality-evalua.docxgertrudebellgrove
-delineate characteristics, prevalence of exceptionality
-evaluate causes and concerns of each exceptionality
-critique and analyses component of the IEP
-identify and analyze instructional assessment and strategies to the individual with the exceptional needs
Follow the rubs. 4 DOUBLE SPACE with running head
.
-1st play name is READY STEADY YETI GO-2nd play name is INTO .docxgertrudebellgrove
-1st play name is "READY STEADY YETI GO"
-2nd play name is "INTO THE WOODS "
REVIEW PAPER GUIDELINES (3 pages,
Essay format) Introduction
Plot
What happens?
E.g., “Mother Courage follows the misadventures of Courage and her children over a ten year period during the 100 Years War...”
How does it happen?
E.g., “The play is built in a series of episodes, alternating personal struggles against a backdrop of the larger social/political struggles.”
What does it mean?
A one-two sentence that captures the essence of the action. In the case of Epic Theatre, this statement is primarily about the intended “lesson” of the play. E.g., “MC is about how capitalism inevitably leads to the corruption then destruction of society—from nations to families.”
Rhythm
Flow of the plots?
Character
Main character Description
E.g., “Courage is a middle-aged mother of three who will stop at nothing to exploit the financial opportunities she encounters. Her role in the play is ‘survivor.’ Her character is the ‘anti-mom’—a woman who sees her children (and other human beings) as a collection of debits and credits.”
Second Character Description
Thought—what are the ideas in the play
e.g., Mother Courage looks at the intersection of war and commerce and how one feeds off the other, to the destruction of land, civilization, and families. The ideas arise out of the work of Karl Marx. Summarize--
Historical (Where and When) Philosophical (What & Why)
Diction--
Summarize the language the playwright uses. How do the characters speak?
E.g., prose, poetry, cliché, long speeches, short, etc.?
7 of 8
Music—
is more than song, but the SOUND of the play. Describe the aural environment created and executed in the production.
Spectacle
—describe the visual environment of light and scenery created for the production, and their execution and relevance (e.g., it could look great but mean nothing, or it could look terrible but somehow it works!)
Conclusion
A paragraph about your particular feelings about the play—did it engage you? Were you changed, even a little? Goethe asked three questions—What was it trying to do? How well was it done? Was it worth doing? Answer these questions.
.
-6th-Edition-Template-without-Abstract.dotWhat are Heuristics .docxgertrudebellgrove
-6th-Edition-Template-without-Abstract.dot
What are Heuristics and can it lead to bias?
Why is Maslow's Hierarchy a basic psychological stable? (Watch the video for better understanding and cite it)
How does FEAR keep you alive? (See emotions and feelings video)
Please write 300 or more words and APA to address the above concepts for week four.
.
- write one 5-7 page paper about All forms of Euthanasia are moral..docxgertrudebellgrove
- write one 5-7 page paper about All forms of Euthanasia are moral.
- Argumentative/Persuasive paper structure
- Include an introduction and conclusion. The main points of your paper should be identified in
the introduction.
- include at least three arguments to support the position
- Include at least one opposing argument against your topic
- times new roman font
- double spaced
- 12 point font size
- work cited page
.
-1st Play name is BERNHARDTHAMLET -2nd Play name is READY ST.docxgertrudebellgrove
-1st Play name is "BERNHARDT/HAMLET "
-2nd Play name is "READY STEADY YETI GO"
PREVIEW PAPER GUIDELINES
1. Title of Show
2. Playwright (and, if musical, Composer, Librettist)
3. Creative Team: Lead actors, Director, Designers (if musical, Choreographer and Music Director)
4. Venue: Broadway, Off-Broadway, College, etc. (incl. # of seats, cost of a regular ticket
5. Audience: (that is, what demographic is the production trying to attract?) Whom do you think would come and enjoy the performance?
Substantiate this claim by citing advertising evidence--type of ad, where it is advertised (e.g., NY Times, TimeOut New York, Internet, radio)
6. In one sentence, what's the story about?
7. In three sentences, what is your expectation? E.g., Deliriously excited? Modestly intrigued? Morbidly curious? Apathetic? Anxiously anticipating? Horrifically terrified? Dolefully dreading? And why?
.
. 1. Rutter and Sroufe identified _____________ as one of three impo.docxgertrudebellgrove
. 1. Rutter and Sroufe identified _____________ as one of three important areas of focus in the future of developmental psychopathology.
A. How cause and effect underlie childhood disorders
B. The role of the media in the life of the modern child.
C. Creating a stricter definition of normal behavior.
D. Fetal development’s influence on childhood behavior
2. Which of the following questions is not appropriate on a mental status exam?
A. What’s four times five?
B. Who’s the current president of the United States?
C. What day of the week is it today?
D. Who wrote the Harry Potter books?
3. State laws can influence decision making in all the following ways, except
A. who can legally provide consent for the child.
B. beneficence and maleficence
C. timelines for reporting suspected child abuse
D. custodial versus noncustodial parental rights
4. The transactional model was developed to
A. illustrate how even very disabled children are able to adapt to their environments.
B. analyze exactly which characteristics are passed from a caregiver to a child.
C. predict the future of a child’s development by analyzing past events and behaviors.
D. show how a child adapts to an environment and how the environment changes as a result.
5. All of the following are true concerning the APA 10 ethical standards except
A. the standards were useful in past decades but are no longer useful.
B. the standards address appropriate advertising and displays of public information.
C. the standards address matters pertaining to research and publication.
D. the standards assist professionals to resolve ethical issues.
6. Which of the following is true regarding the age of majority?
A. It’s 18 in 34 of the U.S. States.
B. It’s 19 years in all Canadian provinces.
C. It’s 18 years of age in every USA State
D. It’s not an important consideration for psychologists working with children.
7. In the context of Sue’s 2006 article on cultural competent treatment, gift giving refers to
A. giving a token gift to the client
B. rules about barbering
C. accepting a gift from the client
D. gifts of therapy, such as reduced tension
8. Which of the following is one of the guiding principle of the American Psychological Association (APA).
A. Generosity
B. Duplicity
C. Felicity
D. Integrity
9. Mash and Wolfe (2002) suggest three goals of assessment . Which of the following is not one of the goals?
A. Diagnosis
B. Treatment planning
C. Prognosis
D. Research
10. Using the K-3 Paradigm involves knowledge of
A. brain chemistry
B. the Diagnostic and Statistical Manual of Mental Disorders
C. a child’s family medical history
D. developmental expectations
12. Which of the following is true regarding a functional behavioral assessment?
A. An FBA assesses the degree to which a behavior exists.
B. An FBA is norms-based.
C. The FBA was developed to analyzed why a behavior exists.
D. The use of FBA has been discouraged by the American Psycholo.
-Prior to the Civil War, how did the (dominant) discourse over the U.docxgertrudebellgrove
-Prior to the Civil War, how did the (dominant) discourse over the United States’ future reach a crisis point? What were the arguments regarding the Constitutionality of slavery and notions of citizenship? How did relative definitions of liberty/freedom/equality become irreconcilable?
.
- Using the definition Awareness of sensation and perception to ex.docxgertrudebellgrove
- Using
the definition Awareness of sensation and perception to explain why or why not dolphins have consciousness
!
-
two to three paragraph explanation
-
Specify the definition you are using.
Then demonstrate appropriate application of that definition.
- You should describe the creature you are exploring and its behavior for those unfamiliar with it.
- Stick to behaviors that are relevant to whether the creature has consciousness or not under your chosen definition.
- The behavior must be observable! You declaring that a creature "looks fearful/happy/sad" is not on observation, it's an opinion.
- Present arguments that illustrates your position.
* For example, "Research has shown (citation if available can help) that Orangutans can recognize themselves in the mirror and realize the image they see is a reflection of themselves. This suggests they have awareness of their themselves as separate from the environment and others."
.
- should include an introduction to the environmental issue and its .docxgertrudebellgrove
- should include an introduction to the environmental issue and its location
- next portion should be about the opposing views (atleast 3 cons. and 3 possible solutions to the cons) The cons needs to be focused on the environmental impact of the problem, not just how it's affecting humans. What is it doing to the ecosystems?
- must be 4 pages double-spaced not including references and include in-text citation
-not opinion based!!
.
- FIRST EXAM SPRING 20201. Describe how the view of operations.docxgertrudebellgrove
- FIRST EXAM SPRING 2020
1. Describe how the view of operations as a process can be applied to the following:
a. Acquisition of another company
b. Marketing Research for a New Product
c. Design of an Information System
2. An operations manager was heard complaining
“My boss never listens to me ----- all the boss wants from me is to avoid making waves. I rarely get any capital to improve operations. Also, we do not have weekly, biweekly or even monthly meetings with our product managers, supply chain department, customer service or the sales department. We only meet with the accounting and finance departments when there are issues with the monthly budgets. Furthermore, our department has interacted with information service department about four times in past fiscal year”
Please assess the following:
a. Whether this business has a business strategy ?
b. Does it have an operations strategy?
c. What would you recommend?
3. Firm A has recorded the following costs in 2018:
Incoming materials and inspection $20,000
Training of Personnel $40,000
Warranty $45,000
Process Planning $15,000
Scrap $13,000
Quality Laboratory $30,000
Rework $25,000
Allowances $10,000
Complaints $14,000
a. What are the Prevention, Appraisal, Internal Failure and External Failure costs?
b. What inferences can you draw on Quality Measures taken by Firm A?
c. What would you recommend to improve quality programs in Firm A?
d. What initiatives should Firm A implement for 2019 and 2020?
4. Please explain the House of Quality (QFD) as discussed in class.
5. A certain process is under statistical control and has a mean value of 130 and a standard deviation of 8. The specifications for the process are:
a. USL (upper specification limit) = 150
b. LSL(lower specification limit) =100
a. Calculate the cp and cpk
b. Which of these indices is a better measure of process capability and why?
c. Assuminng a normal distribution what percentage of output is expected to fall ourside the specification. Why is it important to know this?
d. What would you recommend?
2
Chapter 7
Government Ethics
and the Law
William A. Myers, Ph.D.
Learning Objectives (1 of 2)
• Describe some of the reasons why there has
been a loss of trust in government.
• Explain the purpose of various government
committees on ethics.
• Discuss how public policy protects the rights of
citizens.
Learning Objectives (2 of 2)
• Describe federal laws designed to protect each
individual’s rights.
• Explain the concept of political malpractice.
• Understand the importance of ethics in public
service.
Let every American, every lover of liberty, every
well wisher to his posterity, swear by the blood
of the Revolution, never to violate in the least
particular, the laws of the country; and never to
tolerate their violation by others.
—Abraham Lincoln
Executive Branch:
U.S. Office of Government Ethics
• Exercises leadership .
- Considering the concepts, examples and learning from the v.docxgertrudebellgrove
- Considering the concepts, examples and learning from the various modules you have attended this year, summarise and reflect on in a critical way what you think are the key elements (both internal and external to businesses) that organisations should consider to develop and grow responsibly and effectively in today’s economy.
.
- Discuss why a computer incident response team (CIRT) plan is neede.docxgertrudebellgrove
- Discuss why a computer incident response team (CIRT) plan is needed, and its purpose.
- Why are the roles and responsibilities important to be listed and kept updated for a CIRT plan.
- Connect the dots: Discuss your understanding of the CIRT incident handling procedures, the role policies play, and the importance of communication escalation procedures.
- What are some best practices for implementing a CIRT plan? Do some personal research to answer this questions.
.
- Discuss why a computer incident response team (CIRT) plan is n.docxgertrudebellgrove
- Discuss why a computer incident response team (CIRT) plan is needed, and its purpose.
- Why are the roles and responsibilities important to be listed and kept updated for a CIRT plan.
- Connect the dots: Discuss your understanding of the CIRT incident handling procedures, the role policies play, and the importance of communication escalation procedures.
- What are some best practices for implementing a CIRT plan? Do some personal research to answer this questions.
.
- 2 -Section CPlease write your essay in the blue book.docxgertrudebellgrove
- 2 -
Section C
Please write your essay in the blue book.
Write an informal narrative about "some" composing process of yours. Essentially, you will write a Reflective Self-Evaluation of yourself as a college writer. What exactly does that mean? It requires you to:
a. look back over a recently completed process
b. think reflectively about that process
c. critically evaluate what went well, what didn’t go well, or what you might have done differently
As the aforementioned examples suggest, reflective writing is writing that describes, explains, interprets, and evaluates any past performance, action, belief, feeling, or experience. To reflect is to turn or look back, to reconsider something in the past from the perspective of the present. So, in your final essay, you will reflect and make an evaluation of your experience in this course.
Remember, reflection involves multiple angles of vision. Just as light waves are thrown or bent back from the surface of a mirror, so, too, reflective writing throws our experience, action, or performance back to us, allowing us to see differently. We view the past from the angle of the present, what was from the angle of what could have been or what might be. Multiplying your angle of vision through reflection often yields new insights and more complicated (complex) understanding of the issue on which you are reflecting.
Professors generally look for four kinds of knowledge in reflective self-evaluation essays: self-knowledge, content knowledge, rhetorical knowledge, and critical knowledge (aka judgment). Following are ideas for each of these types of knowledge, which may be used to generate ideas for your essay. Choose only a few of the questions to respond to, questions that allow you to explain and demonstrate your most important learning for the course.
You may write about your composing process for academic papers or creative genres or a combination of both. Reflect as thoroughly as possible upon your writing process and explain it. Your narrative should include whatever you DO when you write, as well as whatever you DO when you compose. Composing should be understood in the broad sense, i.e. composing goes on in your mind when you are cleaning your refrigerator, mowing your grass, etc. It also occurs when you are researching, taking notes, or procrastinating. In essence you are NEVER NOT composing something. So the key to your reflections is to include everything you do that makes a difference in your writing, from having to use a certain pen, to listening to music or sitting in the library. Both your formal and informal processes impact the way you produce a written work, if you use a formal method of note taking or outlining, if you compose on the computer or with pen and paper explore any and all of these activities that are helpful to you in your process. Explore all possible aspects that apply. This is a useful exercise for now and for you to revisit and revise in the future .
- Confidence intervals for a population mean, standard deviation kno.docxgertrudebellgrove
- Confidence intervals for a population mean, standard deviation known
- Confidence intervals for a population mean, standard deviation unknown
-Confidence intervals for population proportion
- Confidence intervals for a standard deviation
.
) Create a new thread. As indicated above, select two tools describ.docxgertrudebellgrove
) Create a new thread. As indicated above, select two tools described in chapter 7 from different categories, and describe how these tools could be used to develop a policy for optimizing bus and local train schedules to minimize energy use and passenger wait times in a SmartCity environment.
tools
•Visualization
•Argumentation
•eParticipation
•Opinion mining
•Simulation
•Serious games
•Tools specifically designed for policy makers
•Persuasive
•Social network analysis (SNA)
•Big data analytics
•Semantics and linked data
.
(Write 3 to 4 sentences per question) 1. Describe one way y.docxgertrudebellgrove
(Write 3 to 4 sentences per question)
1.
Describe one way you can leverage any strengths you have in research and information literacy to promote your success.
Consider successes, lessons learned, or skills you have gained as a result of your past academic, personal, or professional experiences.
2.
1.
Why do you think it is important to use source materials to support your viewpoints?
Why is it important that the sources you use in your coursework be scholarly sources?
.
( America and Venezuela) this is a ppt. groups assignment. Below is .docxgertrudebellgrove
( America and Venezuela) this is a ppt. groups assignment. Below is my part.
Explain how an American would apply the knowledge of verbal and nonverbal communication to foster effective cross-cultural communication within the selected country.
Lastly, summarize how cultural differences affect cross-cultural communications.
.
++ 2 PAGES++Topic Make a bill to legalize all felon has the rig.docxgertrudebellgrove
++ 2 PAGES++
Topic: Make a bill to legalize all felon has the right to vote with no condition (become a green state) https://www.aclu.org/issues/voting-rights/voter-restoration/felony-disenfranchisement-laws-map
Guideline: **only do part 2 (3-55)** follow guideline on this website: https://leg.wa.gov/CodeReviser/Documents/2019BillDraftingGuide.pdf
additional websites (or you can search more info beside the websites i provide):
https://www.sos.wa.gov/elections/voters/felons-and-voting-rights.aspxhttps://www.sos.wa.gov/elections/voter-eligibility.aspx
.
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
Honest Reviews of Tim Han LMA Course Program.pptxtimhan337
Personal development courses are widely available today, with each one promising life-changing outcomes. Tim Han’s Life Mastery Achievers (LMA) Course has drawn a lot of interest. In addition to offering my frank assessment of Success Insider’s LMA Course, this piece examines the course’s effects via a variety of Tim Han LMA course reviews and Success Insider comments.
The Indian economy is classified into different sectors to simplify the analysis and understanding of economic activities. For Class 10, it's essential to grasp the sectors of the Indian economy, understand their characteristics, and recognize their importance. This guide will provide detailed notes on the Sectors of the Indian Economy Class 10, using specific long-tail keywords to enhance comprehension.
For more information, visit-www.vavaclasses.com
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
Basic Civil Engineering Notes of Chapter-6, Topic- Ecosystem, Biodiversity Green house effect & Hydrological cycle
Types of Ecosystem
(1) Natural Ecosystem
(2) Artificial Ecosystem
component of ecosystem
Biotic Components
Abiotic Components
Producers
Consumers
Decomposers
Functions of Ecosystem
Types of Biodiversity
Genetic Biodiversity
Species Biodiversity
Ecological Biodiversity
Importance of Biodiversity
Hydrological Cycle
Green House Effect
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
The Art Pastor's Guide to Sabbath | Steve ThomasonSteve Thomason
What is the purpose of the Sabbath Law in the Torah. It is interesting to compare how the context of the law shifts from Exodus to Deuteronomy. Who gets to rest, and why?
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdf
A U.S. lease-to-own chain considers whether to test its busin.docx
1. A U.S. lease-to-own chain considers whether to test its
business in Mexico
Stan Windham walked into the newest Coe's store in South
Tucson. As CEO of the lease-to-own chain, he was eager
to see how his 1,000th location was performing. Aubrey Merrin,
the store manager, met him at the door.
"Mr. Windham, so good to see you, sir. The new employees are
real excited to meet you. And of course I want to
update you on how everything's going," Aubrey said as he
ushered Stan inside. "We're doing great so far. Open for
less than a month and over 100 customers already. It's a real
good start, sir, a real good start."
"You don't have to call me 'sir,' Aubrey," Stan said, realizing it
was probably hopeless. "Congratulations. I've said it
before, but I'll say it again: I appreciate your taking this on."
Aubrey had transferred from the Coe's up in Flowing Wells,
where he'd been the store manager for 10 years. He was
raising three kids on his own, and although this location meant
a slightly longer commute, he'd jumped at the
opportunity.
"I'm honored, sir, to be opening a brand-new store," he said.
"And with the economy as it is, I'm just happy to be
working for a growing company." He pointed up at the
celebratory banner that still hung in the front of the
store. "Everyone else I know is talking about layoffs, not grand
openings."
Stan felt lucky, too. When his father, Terry, opened the first
Coe's back in the 1950s, he certainly hadn't set out to
2. enter a countercyclical industry. He'd invested $600 in 32 chairs
to rent out to auction houses, and the business
expanded from there into party equipment and sickroom gear. In
the 1970s he shifted to residential furniture and other
household goods. Terry prided himself on conservative growth--
when he was starting out, he wouldn't buy a second
item in a category (say, a sofa or a refrigerator) until the first
one had been rented--and he took a "tough love"
approach with his employees, especially with his son. When
Stan started as an assistant manager, in 1984, the same
year Coe's went public, Terry had expected him to work harder
than everyone else to prove his worth. And Stan
had. Coe's now took in over $2 billion a year in revenues.
Stan looked around at the room displays. "We thought this
might be a tricky location for us with Mr. Rental all over
South Tucson," he said.
Aubrey nodded. "Yes, sir, I was worried about that, too--market
saturation. I've read about it. But we're different from
Mr. Rental."
Unlike many of its competitors, Coe's had always emphasized
ownership: More than half of its customers became
owners by the end of their leases, compared with 25% for Mr.
Rental. Coe's offered a monthly payment schedule and
a shorter contract period (12 months versus four or five years),
which meant higher fees each month but a lower cost
of the eventual purchase. Also, Coe's managers were trained to
approve lease agreements only for people who could
afford the payments.
"Are we getting any of Mr. Rental's customers?" Stan asked.
"Some. But I think our strong opening is thanks to the recession
more than anything. We're seeing people in here
who'd never have considered Coe's before--wealthier folks who
3. are nervous about committing to big-ticket items
outright."
Aubrey greeted a customer, shaking the young woman's hand
and offering balloons from the Grand Opening display
to her two toddlers. He really had a way with people. Ten years
ago, Stan had debated about hiring him, put off by his
lack of sales experience. But Terry had said, as he always did,
"You can teach people to sell, but you can't teach them
to smile." And he'd been right. Managers like Aubrey, who
fostered immediate trust with customers, were much more
successful when it came to collecting the monthly payments.
Once Aubrey had introduced the customer to a salesman, he
returned to Stan.
"Can I ask you a question, sir?"
"Yes, Aubrey, as long as you stop calling me 'sir,'" Stan said
with a laugh.
"I've been thinking about how well Coe's is doing here, with all
the new stores. And I think there's a market that you
should consider: Mexico." Aubrey was shifting back and forth
on his feet. "So many of our customers are from there
originally, and they've all got family back home.…I just, I think
it would be a good, er, strategic move for the company,
sir. And I would be more than happy to go down and train the
staff there. You know I speak Spanish, and my kids do,
too. My late wife was Mexican."
"As a matter of fact, that's a conversation we've been having at
headquarters," Stan said. "We've been considering
Mexico, and Europe. Our investors expect us to keep growing.
Still, we need to do it smartly." Stan had led a successful
expansion into Canada in the 1990s when he was the COO, and
4. Coe's had over 100 stores there now. But a venture
into Puerto Rico a few years before had failed miserably:He'd
been forced to close the pilot store after only 12
months. Too many customers had skipped their payments and
walked away with the products, and the store manager
hadn't been able to handle the massive amount of collections.
Several analysts had downgraded the chain's stock as a
result, and its share price had plunged. Stan didn't want to make
the same mistake twice. "It's a good time for us and
potentially a great market," he told Aubrey. "But it's also a
risky time."
A Second Opinion
On his way back to Phoenix, Stan stopped at a Circle K off
Route 10 to grab a cup of coffee. The woman behind the
counter noticed the Coe's logo on his shirt and smiled.
"Coe's! Do you work there?"
"I do," Stan said. This was exactly why he wore the shirt
instead of a suit.
"My whole house is from Coe's. My daughter's, too."
"Which one do you shop at, Carmen?" Stan said, reading her
name tag.
"Down on East Florence Boulevard. Right next to the Walmart.
Cesar's my guy. I go to see him every month, make my
payment. My TV is from you, my couch. Every morning I think,
'Gracias por Coe's,'" she said, quoting one of the
company's Spanish-language commercials.
"I'm glad to hear it." Stan handed her two dollars for the coffee.
"You need to open a store in Mexico! My mom is down in
Hermosillo. She can't believe all the things we can get up
here. Plus free delivery, free repairs. She's telling all her friends
about it." Carmen passed him his change. "They've
got nothing down there like it. Walmart is there, but they only
take cash or credit, and my mom doesn't have
either. Other stores will give you credit, but nobody will rent
5. stuff to you like Coe's."
Stan smiled. First Aubrey, now a customer: Mexico was popular
this morning. And a few people at headquarters were
on the bandwagon, too. His business development team had
gotten some good market data about the border cities--
Matamoros, Monterrey--and some leads on potential partners.
Stan left the store and grabbed a Coe's hat from his trunk.
When he returned and handed it to Carmen, she laughed: It said
"Gracias por Coe's!" in big white letters.
A Prudent Path
Back at the office, Stan stopped by to see his CFO, Carl
Amirault. He wanted to be sure everything was ready for the
executive team meeting later that day. They were set to discuss
the firm's five-year growth strategy--again. Stan told
him about Aubrey's suggestion and the chatty cashier at the
Circle K.
"Are we letting employees and customers dictate our expansion
strategy now?" Carl joked. "If you'd run into an
Irishman, would you be pushing for Europe?"
"Well, Europe is on the table, too. But Mexico might be easier--
maybe starting small with two or three stores in Juárez
and testing the model. Your own team's analysis showed how
many people don't have access to credit there."
"Yes, but we're still mapping the regulatory environment," Carl
warned.
The two men often sparred like this. In fact, whenever one of
them took a stand, the other tended to push harder in
the opposite direction. Stan knew his father had wanted that
kind of tension--in fact, had nurtured it. As he mentored
both of them up through the ranks, he had fostered debate
6. between them, always telling Carl to be prudent while
encouraging Stan to think big and trust his gut.
"The environment has to be better than here," Stan said. In the
height of the recession, U.S. consumer protection
advocates had attacked the rent-to-own industry, claiming the
total price of goods--often 60% to 90% higher than
that of traditional retailers--amounted to predatory financing
and caused undue hardship for customers. Stan and other
industry CEOs argued they were providing a much-needed
service: giving people without access to credit a chance to
acquire household items, in a way that suited their cash flow,
preserved their credit, and allowed them to eventually
own the item outright. It worked just like a car lease--and those
weren't seen as predatory. And if at any time
leaseholders couldn't make their payments, they could return the
items with no penalty and resume the contract where
they left off whenever their financial situation improved. But he
knew the fight was far from over.
"Karen says Congress is going to be all over this in the spring,"
Stan said, thinking of his discussion with Karen Werner,
the general counsel of Coe's, the previous day.
"I doubt it. They have bigger fish to fry," Carl argued. "Besides,
you can't legislate what customers want."
"That's true. Still, I'm just concerned. The bottom line is we
need to diversify our risk. And Latin America might be a
relatively inexpensive place to do that, considering the lower
transportation, labor, and real estate costs," Stan said.
"There are plenty of growth opportunities right here in the U.S.
We should be putting a store next to every Walmart. We
have the same customer base, and people need an alternative
when they've been turned down for credit. Or we could
experiment with our product line, try the rent-to-own concept
for goods beyond basic household items. We've got lots
of options without taking a risk abroad. We're not seeing
7. shrinking margins yet," Carl said.
"Yet," Stan shot back.
"But why would we add the complication and risk of
international expansion when it's not necessary? In this
economy,
investors want growth, but they also want to play it safe," Carl
said. "And I don't need to remind you about Puerto
Rico."
Stan expelled a deep breath. "I'm worried that things are going
to get too restricted here, and if that happens, we may
regret not having gone elsewhere to continue growing."
The Voice of Experience
Back in his office, Stan asked his assistant to get his father on
the line.
When Stan had taken the reins, two years earlier, Terry had
promised to stop coming into the office every day. He'd
said the company was in good hands and he was looking
forward to retirement. But Stan knew that wasn't entirely
true. His dad loved the business and missed it. Hell, he wouldn't
be surprised if Terry still put on his Coe's shirt every
morning.
"Hi, Dad," Stan said.
"There isn't an emergency, is there?"
"Nope, nope. I was just checking in. I was down at the South
Tucson store this morning."
"A thousand stores. It's hard to believe. How's business?"
"Good. Aubrey's doing great. Listen, I need some advice about a
strategy meeting we have today. I've been giving
8. serious thought to Mexico. The more I look into it, the more
attractive it seems. The market is large, and the competition
is weak. People don't have a similar alternative."
"OK," Terry said. "But don't forget about Puerto Rico. We had
the trouble with shrinkage, and we couldn't find the right
personnel. It was a tough market." Stan gave an exasperated
sigh, but not loud enough for his father to hear.
"We certainly learned some lessons," Stan acknowledged. "But
to tell you the truth, I'm concerned about building a
growth strategy solely on U.S. revenues. We've been talking
about going international for a long time. The analysts
are all over us about future growth."
"What about Europe?" Terry asked. "The culture and the
regulatory environment there are a lot more like ours."
"That's not necessarily a good thing. Besides, the cost of
opening stores is just as high as here."
"What does Carl say?" Terry asked. Stan smiled. His father was
so predictable.
"His team's analysis says we have a 35% chance of success in
Mexico, but I think they were too conservative. Carl
feels that the U.S. is the only market we know well enough and
that we haven't fully tapped it, especially with the
down economy," Stan said. "He wants us to focus on increasing
profitability, not go into uncharted territory. It's too
risky, he says."
"If only you had a dollar for every time Carl said 'It's too
risky,'" Terry joked. "But he has a point," he added more
seriously. "We're doing so well in the domestic market. Why
wouldn't we stay focused and see what happens with the
economy?"
"Because it's a crowded, expensive market. It makes a wide-
open field where there's a real need for our business look
very appealing. We've always said we wanted to help as many
9. people as possible get access to the things they need. An
affordable path to ownership while still making a profit, right?"
"Right. We just need to be sure we don't hurt the company
trying to do that." There was a long pause. "Of course, it's
your company now, son. Your company, your call."
Should Coe's ex pand to M ex ico?
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