Each response should be at least 200 words.
Post Response # 1: Hey class, I would like to enlist the March of Dimes to assist with providing support for pregnant women and mothers of small children in my community. I love this organization because they believe that all babies deserve the best possible start. March of Dimes has been around for over 80 years and has helped millions of babies. They do allot to help educate people about best practices for expecting mothers and babies. When my close friend’s son was in the NICU, they helped provide her and her family comfort and support.
On Saturday, April 18th myself and three close friends will walk three miles at City Park to help to raise funds to support research, advocacy and programs for the health of all moms and babies. I did this last year as well and it was a blast! We bring our kids and come together to celebrate our experiences and beautiful children. It brings the community together and we help raise money.
CBO’s support the community. According to the U.S. Department of Education (2004), the term community-based organization (CBO) means “a public or private nonprofit organization of demonstrated effectiveness that (A) is representative of a community or significant segments of a community; and (B) provides educational or related services to individuals in the community.” Technology has become increasingly important to manage operations and develop solutions.
My Response:
Post Response 2: Hello Everyone, I have chosen the Autism Society as my community-based organization (CBO) to assist with providing services to autism in my community as this is an issue that hits close to home as a few of my friends have children with Autism. Living in small community Autism resources are not readily available as they are for cities at least 45 minutes or more away from our town. Shawano does, however, have an organization called Bridge the Gap, which does assist with this population. However, this is not enough. I would enlist the help of the Autism Society with funding to help this organization help even more people, provide services that are not yet available in the community, providing funding to not only the program but to families to afford these services and provide education for the community, among other items as well. The mission of the Autism Society of Greater Wisconsin is, “…to provide a community for individuals affected by autism, their families, and professionals who serve them. Our goal is to increase the quality of life for those affected by autism and respond to the emerging needs of the autism community” (Autism Society of Greater Wisconsin, 2020). With this mind, I would want these efforts to improve the lives of people and the families affected by autism by providing support, accurate information and resources, referrals, education, and community development. I would also enlist the help of community members and families affected by Autism to assist in writing lette ...
Omoka App is a financial records app available to smartphone users.
Omoka App allows self-help groups, conventionally known as ‘chamas’, to record financial information.
It adds to the table banking experience by providing a formal financial records canvas to an otherwise informal arrangement in the chamas.
5 indicators to understanding your organization's financial healthAplos Software
To make good decisions for a nonprofit or church, leaders and board members not only need accurate, up-to-date, and clear financial information, but also the ability to interpret and use this data to inform decision making. The first step is a solid understanding of baseline financial indicators and health. This webinar explores the fundamentals of nonprofit finance so that nonprofit leaders, managers, and board members feel better equipped to interpret financial statements and assess their organizations’ financial position.
Omoka App is a financial records app available to smartphone users.
Omoka App allows self-help groups, conventionally known as ‘chamas’, to record financial information.
It adds to the table banking experience by providing a formal financial records canvas to an otherwise informal arrangement in the chamas.
5 indicators to understanding your organization's financial healthAplos Software
To make good decisions for a nonprofit or church, leaders and board members not only need accurate, up-to-date, and clear financial information, but also the ability to interpret and use this data to inform decision making. The first step is a solid understanding of baseline financial indicators and health. This webinar explores the fundamentals of nonprofit finance so that nonprofit leaders, managers, and board members feel better equipped to interpret financial statements and assess their organizations’ financial position.
This is our services overview for 2018, inclusive of Corporate Social Responsibility strategies, non-profit workshops, next generation counselling and more.
Are you feeling overwhelmed with the number of grant proposals that you are writing or the hours that you are logging planning yet another special event? Have you ever wondered about a better way? Non-profits outside the US have relied on “social enterprise” or earned income for years. In fact, very little of their funding comes from grants, special events, or traditional philanthropy.
The concept of earning your own income provides non-profits with three advantages – a solid strategic business plan for operations, a sustainable source of revenue, and unrestricted funds. This presentation covers the basics of social enterprise.
Promoting Social Investment in Canadian Social Enterprises: Successes and Ch...Social Finance
Presentation by Kate Ruff of Charity Intelligence at the ANSER Annual Conference in Montreal on June 3, 2010.
The presentation reviews Ci’s 2009 analysis of Canadian social enterprises, focusing on successes and challenges, and briefly looks ahead to the 2010 analysis.
Changing Behaviours For Better Performance GuideDotYou
A collection of presentation materials on a theme of Changing Behaviours for Better Performance, exhibited by GuideDotYou Change Solutions at Castleford Enterprise Show on 11th April 2014.
Includes content on Wakefield Business Programme and Me; Organisational Health Diagnostics; Better Financial Decision Making; Nine Reasons Businesses Fail; Business is a Career Option for Young People; Can You Support The National Enterprise Challenge?; Improving Your Sales; Change Management Isn't Easy - Here Are Some Things To Help
A student-run campaign created for a Millersville University capstone course. Our agency, Transcend Public Relations created a social marketing campaign for ASSETS, located in Lancaster City, Pennsylvania.
To get out of the starvation cycle, nonprofits must raise money to build a stronger nonprofit organization. This is capacity capital. Here's how to raise it.
In our daily lives, we engage in a variety of community environments. At work, at
home, on vacation—wherever we may be, we can be engaging in and with a group.
These communities may consist of our co-workers, neighbors, family, or another
gathering of individuals with a common connection.
The Journey to Customer Centricity in Financial InclusionCGAP
Most microfinance institutions provide a narrowly focused product range, usually only microcredit. Until recently, this was the major focus of Janalakshmi
Financial Services, a microfinance institution in India serving over 2 million customers in urban areas. Janalakshmi built its portfolio around a Grameenstyle group loan product. In 2011, Janalakshmi took the first steps toward customer-centricity, segmenting its customer base and designing the “Jana-One” delivery channel to offer a full range of financial services to the owners of high-growth potential microenterprises, a segment they called “accelerators.” While this move was an innovation for Janalakshmi’s business model, the institutional mechanisms were still set up to deliver credit. Recognizing this tension between the vision and execution, Janalakshmi partnered with CGAP to explore new approaches in understanding its customers and to implement the principles of customer-centricity throughout the operational
structures of the organization. The Janalakshmi journey toward embedded and internalized customer-centricity will span three broad phases (Understanding Customers, Designing Effective Organizational Delivery, and Making the Business Case Work). This brochure shares the learnings from the first phase of work to understand customers. Janalakshmi, CGAP, and Innovation Labs (a Bangalore-based design-innovation consultancy) worked together over six months on this project.
. According to your textbook, Contrary to a popular misconception.docxmadlynplamondon
.
According to your textbook, “Contrary to a popular misconception in the West, homosexuality is not universally stigmatized. Based on the Standard Cross-Cultural Sample of 186 societies, Crapo (1995) found that only 31% of people stigmatized homosexual behavior, while the remainder either considered homosexual experimentation to be a normal developmental phase of preadult life (38%), accepted committed adult same-sex relationships as an alternative form of marriage (18%), or even required same-sex relationships among all males during a period that preceded their being permitted to marry heterosexually (12%)” (Crapo, 2013, p.161).
In America, the historical stigmatization of homosexuality is a product of (Points : 1)
enculturation.
cultural relativism.
minimalism.
universal moral values.
Question 2.
2.
Which of the following is an example of an
etic
statement about Americans? (Points : 1)
July 4th is a federal holiday, and I enjoy having the day off from work. I usually spend time with my family and hang out at the pool.
The Fourth of July is the day we adopted the Declaration of Independence, declaring our independence from the British in 1776. This had a huge impact on the entire course of history, leading to the Revolutionary War and the creation of the best country in the world, the United States of America.
The fireworks displays are my favorite part of the Fourth of July. I also march in the local parade.
Americans celebrate the 4th of July as the day they declared independence from colonial powers in 1776. Food is often cooked outside on grills, even though most houses have electric ovens inside. It is very hot outside in the middle of summer, and although many people have electronic cooling devices called air conditioners within their homes, much of the day is spent outside. At night, explosives are set off in community gatherings to celebrate this holiday. Remarkably, very few people are hurt during these displays.
Question 3.
3.
Which of the following is an example of an
etic
description of teen pregnancy in America? (Points : 1)
One of my friends in high school got pregnant in her sophomore year. She and the father decided to keep the baby, got married and just celebrated their 10thanniversary. They both finished college and have good jobs now. It just goes to show that people can overcome teen pregnancy and become successful parents.
Although popular opinion sometimes indicates otherwise, according to a statistical analysis from the US Department of Health and Services (2014), teen pregnancy rates have been steadily declining for the past twenty years. In America, most teenagers are not yet fully independent from their parents, as teenagers in other cultures sometimes are, so they are not ready to become parents. Since this issue has a huge impact on young women and men affected by it, this may account for the disparity between popular opinion and.
-How did artwork produced in America from 1945 to 1960 compare to ar.docxmadlynplamondon
-How did artwork produced in America from 1945 to 1960 compare to art made in Europe? Did the artwork change as the 20th century progressed? Include at least two (2) examples of artists and artworks to support your comparison. You do not need to include the image, but include artist name, title, media and date.
- Write 150 words, also cite the sources you use.
.
More Related Content
Similar to Each response should be at least 200 words.Post Response # 1 He.docx
This is our services overview for 2018, inclusive of Corporate Social Responsibility strategies, non-profit workshops, next generation counselling and more.
Are you feeling overwhelmed with the number of grant proposals that you are writing or the hours that you are logging planning yet another special event? Have you ever wondered about a better way? Non-profits outside the US have relied on “social enterprise” or earned income for years. In fact, very little of their funding comes from grants, special events, or traditional philanthropy.
The concept of earning your own income provides non-profits with three advantages – a solid strategic business plan for operations, a sustainable source of revenue, and unrestricted funds. This presentation covers the basics of social enterprise.
Promoting Social Investment in Canadian Social Enterprises: Successes and Ch...Social Finance
Presentation by Kate Ruff of Charity Intelligence at the ANSER Annual Conference in Montreal on June 3, 2010.
The presentation reviews Ci’s 2009 analysis of Canadian social enterprises, focusing on successes and challenges, and briefly looks ahead to the 2010 analysis.
Changing Behaviours For Better Performance GuideDotYou
A collection of presentation materials on a theme of Changing Behaviours for Better Performance, exhibited by GuideDotYou Change Solutions at Castleford Enterprise Show on 11th April 2014.
Includes content on Wakefield Business Programme and Me; Organisational Health Diagnostics; Better Financial Decision Making; Nine Reasons Businesses Fail; Business is a Career Option for Young People; Can You Support The National Enterprise Challenge?; Improving Your Sales; Change Management Isn't Easy - Here Are Some Things To Help
A student-run campaign created for a Millersville University capstone course. Our agency, Transcend Public Relations created a social marketing campaign for ASSETS, located in Lancaster City, Pennsylvania.
To get out of the starvation cycle, nonprofits must raise money to build a stronger nonprofit organization. This is capacity capital. Here's how to raise it.
In our daily lives, we engage in a variety of community environments. At work, at
home, on vacation—wherever we may be, we can be engaging in and with a group.
These communities may consist of our co-workers, neighbors, family, or another
gathering of individuals with a common connection.
The Journey to Customer Centricity in Financial InclusionCGAP
Most microfinance institutions provide a narrowly focused product range, usually only microcredit. Until recently, this was the major focus of Janalakshmi
Financial Services, a microfinance institution in India serving over 2 million customers in urban areas. Janalakshmi built its portfolio around a Grameenstyle group loan product. In 2011, Janalakshmi took the first steps toward customer-centricity, segmenting its customer base and designing the “Jana-One” delivery channel to offer a full range of financial services to the owners of high-growth potential microenterprises, a segment they called “accelerators.” While this move was an innovation for Janalakshmi’s business model, the institutional mechanisms were still set up to deliver credit. Recognizing this tension between the vision and execution, Janalakshmi partnered with CGAP to explore new approaches in understanding its customers and to implement the principles of customer-centricity throughout the operational
structures of the organization. The Janalakshmi journey toward embedded and internalized customer-centricity will span three broad phases (Understanding Customers, Designing Effective Organizational Delivery, and Making the Business Case Work). This brochure shares the learnings from the first phase of work to understand customers. Janalakshmi, CGAP, and Innovation Labs (a Bangalore-based design-innovation consultancy) worked together over six months on this project.
. According to your textbook, Contrary to a popular misconception.docxmadlynplamondon
.
According to your textbook, “Contrary to a popular misconception in the West, homosexuality is not universally stigmatized. Based on the Standard Cross-Cultural Sample of 186 societies, Crapo (1995) found that only 31% of people stigmatized homosexual behavior, while the remainder either considered homosexual experimentation to be a normal developmental phase of preadult life (38%), accepted committed adult same-sex relationships as an alternative form of marriage (18%), or even required same-sex relationships among all males during a period that preceded their being permitted to marry heterosexually (12%)” (Crapo, 2013, p.161).
In America, the historical stigmatization of homosexuality is a product of (Points : 1)
enculturation.
cultural relativism.
minimalism.
universal moral values.
Question 2.
2.
Which of the following is an example of an
etic
statement about Americans? (Points : 1)
July 4th is a federal holiday, and I enjoy having the day off from work. I usually spend time with my family and hang out at the pool.
The Fourth of July is the day we adopted the Declaration of Independence, declaring our independence from the British in 1776. This had a huge impact on the entire course of history, leading to the Revolutionary War and the creation of the best country in the world, the United States of America.
The fireworks displays are my favorite part of the Fourth of July. I also march in the local parade.
Americans celebrate the 4th of July as the day they declared independence from colonial powers in 1776. Food is often cooked outside on grills, even though most houses have electric ovens inside. It is very hot outside in the middle of summer, and although many people have electronic cooling devices called air conditioners within their homes, much of the day is spent outside. At night, explosives are set off in community gatherings to celebrate this holiday. Remarkably, very few people are hurt during these displays.
Question 3.
3.
Which of the following is an example of an
etic
description of teen pregnancy in America? (Points : 1)
One of my friends in high school got pregnant in her sophomore year. She and the father decided to keep the baby, got married and just celebrated their 10thanniversary. They both finished college and have good jobs now. It just goes to show that people can overcome teen pregnancy and become successful parents.
Although popular opinion sometimes indicates otherwise, according to a statistical analysis from the US Department of Health and Services (2014), teen pregnancy rates have been steadily declining for the past twenty years. In America, most teenagers are not yet fully independent from their parents, as teenagers in other cultures sometimes are, so they are not ready to become parents. Since this issue has a huge impact on young women and men affected by it, this may account for the disparity between popular opinion and.
-How did artwork produced in America from 1945 to 1960 compare to ar.docxmadlynplamondon
-How did artwork produced in America from 1945 to 1960 compare to art made in Europe? Did the artwork change as the 20th century progressed? Include at least two (2) examples of artists and artworks to support your comparison. You do not need to include the image, but include artist name, title, media and date.
- Write 150 words, also cite the sources you use.
.
-Just thoughts and opinion on the reading-Consent and compen.docxmadlynplamondon
-Just thoughts and opinion on the reading
-Consent and compensation are two things that the Johns Hopkins doctors did not provide Henrietta Lacks. How are these ideas at odds?
-African Americans today face disparities in the health care system even today. How can Henrietta's story motivate change in our current system?
.
. The Questioned Documents Unit (QDU) provides forensic support .docxmadlynplamondon
. The Questioned Documents Unit (QDU) provides forensic support to federal, state and local law enforcement agencies by conducting examinations on evidence collected during their investigation as well as expert testimony concerning information contained in the reports. The Cryptanalysis and Racketeering Records Unit (CRRU) supports law enforcement by assisting in the analysis of cryptic communications such as codes found in letters, notes and diaries (FBI.gov).
After an individual is arrested, I will obtain fingerprints and photographs of the subject and complete a number of forms that are used to start a criminal file on the subject. I will use the Buccal Collection DNA test kit provided by the FBI on my subject. Once completed properly and submitted to the FBI, the kit will be sent to the Federal DNA Database Unit (FDDU). The FDDU will take the DNA test kit and upload it into NDIS creating a DNA profile for my subject. The subject’s DNA profile will be searched against unknown forensic profiles from crime scenes across the country. If my subject’s DNA matches with another crime from another state he can be charged for that crimes as well. In my opinion this is the most important service the FBI has. This allows all agencies to communicate and share information based off of DNA evidence. The flaw is that they need the criminal to be apprehended and processed in order for the DNA to be in the system.
In Knoxville Tennessee, FBI Emergency Response agents train how to excavate a body at the Body Farm. The agents pair up in teams with forensic anthropologists to learn how to best identify and excavate human remains to preserve the clues and pieces of evidence that decaying bodies may leave behind. The weeklong training gives agents step by step instructions while surprising the agents with twists and surprises during their excavations. This was very interesting to me because it helps put things into perspective. Teaches them to put the victim first, which will motivate them to slow down, be methodical with their techniques and be very thorough because it only can be done once.
respond to this discussion question 150 words
.
. What is it about the fundamental nature and structure of the Olym.docxmadlynplamondon
. What is it about the fundamental nature and structure of the Olympics that helps explain why the conflict arose and escalated?
b. Was the form of aggression displayed by the attackers hostile aggression or instrumental aggression? Explain your reasoning. (Note: you
must
make a decision between these alternatives and defend your decision.)
.
-Learning objectives for presentation-Brief background o.docxmadlynplamondon
-Learning objectives for presentation
-Brief background on theorist
-Relevance of the theory in current healthcare
-Appropriateness of theory to role of nurse practitioner
-Key concepts of theory
the theory "Madeleine Leininger transcultural nursing theory"
please include references and cite within the answers
.
-You will need to play a phone game Angry Birds (any version) to mak.docxmadlynplamondon
-You will need to play a phone game Angry Birds (any version) to make observation.
-Make an observation on how you must launch the birds in order to knock over the items.
-Pay attention to how the path of the birds (the projectiles) changes as you change the launch angle and how far back you pull the birds at launch.
-You will also need to complete the calculations in assignment.
Assignment file below...
.
. EDU 571 Week 5 Discussion 1 -
"Data Collection" Please respond to the following:
· Using your planned evaluation project, assume that the client paying for the evaluation has requested that you primarily use audio/visual interview and observation techniques. The client envisions using clips in the evaluation report and in marketing campaigns. Discuss the appropriateness, advantages, and disadvantages of using digital capabilities to capture sound, video, and photographs of the interviewees, focus groups, and observations. Provide reasons for opposing or supporting the request (partially or completely).
Total Reviews(0)
·
EDU 571 Week 5 Discussion 2 -
"Benefits of Meta-Evaluation" Please respond to the following:
· Your client told you that a meta-evaluation should not be included in the plan or budget. Explain two (2) reasons for including a meta-evaluation in the evaluation plan. Recommend two (2) ways to reduce the costs.
Total Reviews(0)
EDU 571 Week 3 Target of Program Evaluation Plan, Part 1 -
Target of Program Evaluation Plan, Part 1
Assignment 1 is the first part of a five-part project to plan the various elements of a program evaluation for education. Select a program target from your school district, workplace, (e.g., business training program) or your university (where you are a student). For you to gain the most from the assignment, you should select a program that you are interested in, would like to see evaluated, and are able to obtain information about. (Possible programs include: student assessment, teacher assessment, pay for student achievement, new teacher or employee training, online classrooms, anti-bullying, gender equity for girls in math and science, school to work, retention of at-risk students, and schools of choice (charter schools), etc.). As you develop the entire plan, gather information, and receive feedback from your professor (or others), you should revise and refine each part of the project. Think of your professor as your project evaluator and supervisor who will help guide you so that you produce an outstanding, well-developed evaluation plan for the stakeholders.
Write a 1000 words paper in which you:
1. Describe three (3) elements of a worthy object for program evaluation - its type, the department administrating it, and target population.
2. Describe the program's history, primary purpose(s), and / or expected outcomes.
3. Explain three (3) reasons for selecting the program (e.g., program's value or lack of it, issues surrounding it, age, relevance, cost, impact on students, etc.).
4. Discuss three (3) advantages of evaluating the program at this time.
5. Discuss two (2) major constraints in conducting an evaluation on this program and a method of addressing them.
6. Use at least three (3) peer-reviewed academic resources in this assignment. Note: Wikipedia and many Websites do not qualify as academic resources. Peer-reviewed academic resources refer to articles and scholarly journals that are reviewe.
. What were the causes of World War II Explain how and why the Unit.docxmadlynplamondon
. What were the causes of World War II? Explain how and why the United States got involved in the war. Discuss the U.S. home front. How did women and minorities respond to the war? Explain the war in North Africa and Europe. Discuss the Allied invasion of Normandy on June 6, 1944. What was Adolf Hitler’s “final solution,” and what were the consequences of the Holocaust? How did the Allies end the war in Europe? Discuss the war in the Pacific. What proved to be an effective U.S. strategy in the Pacific? Analyze Harry Truman’s controversial decision to drop the atomic bombs on Japan. What were the consequences of World War II?
.
. Complete the prewriting for the progress reportPrewriting p.docxmadlynplamondon
. Complete the prewriting for the progress report:
Prewriting prepares you to write and helps you organize your ideas.
You may print the lesson and jot notes for yourself on the paper, or you may write notes on your own.
You do not have to submit prewriting for any points, but don't skip this important step!
2. Complete a draft of the progress report:
Remember to use the memo format style in typing this progress report.
This report should be two or more pages when you are completed.
The draft will be much shorter than your final report.
Follow a logical structure: introduction, what is finished, what is underway, what is left to do, and a conclusion.
Use specifics such as dates, proper names, numbers, costs, etc.
Include one or more visuals may such as pictures, graphs, charts, tables, etc.
.
-in Filomena by Roberta Fernandez the author refers to the Mexican r.docxmadlynplamondon
-in Filomena by Roberta Fernandez the author refers to the Mexican rituals for the day of the dead how is this celebration portrayed in the story?
-in "La doctora Barr" how does Mary Helen Ponce describe the traditional way Mexican-American women prepared for a childbirth in their community?
-how does Nilda feel about Sophies's presence in her home?
-how is bilingualism used in the story "Filomena"? Support your opinions with examples from the story
-describe the incident with the vanilla ice cream . Why was it so upsetting for Nilda?
.
-Write about a violent religious event in history.(Ex. Muslim ex.docxmadlynplamondon
-Write about a violent religious event in history.
(Ex. Muslim extremist acts in history, or the Christian crusades, etc.)
-Write about belief/reasoning/justification those certain people believe their actions have and affects of...
-(Identity)They're view of the world and themselves. Is it rationale or is it a problem. Why?
5-pages minimum
4-scholarly sources min. 2 of 4 book sources Need Dec. 2nd by 9pm.
.
-This project is an opportunity to demonstrate the ability to analyz.docxmadlynplamondon
-This project is an opportunity to demonstrate the ability to analyze and write about music with clarity and purpose. Assume the role of a reviewer/critic who is applying for a job writing a music column for a progressive weblog catering to readers who on average have at least a bachelor's degree and are concerned with issues of justice and equality
-The CD reviewed is one that will allow reflection about how music can provide people the opportunity to imagine the lives and experiences of others different from oneself. Questions to guide reflection while listening should include:
1. Who are the peoples performing the music or who is the music about?
2.What type of life is presented through the music's lyrics and musical sound?
3.What themes or issues are presented by the music?
4. How do the various musical selections relate to each other?
5.What can be learned about people by listening to this CD?
6.Why should other people listen to this music?
-A list of CDs is available for this assignment. CDs may be downloaded for a fee from a preferred site.
-The review will need to include:
1.CD title, artist, genre, release date, etc
2.Background information about the artist or artists for those who may not be familiar.
-The review should be between 800 and 1000 words.
-Conventions of good writing (e.g., correct grammar, spelling, appropriate use of quotations, unctuation) should be observed throughout this project. Moreover, it is important to consider the audience and write in a style that is appropriate. Quotations or information from a primary or secondary source should be cited correctly using APA, Turabian, or MLA.
.
-7 Three men are trapped in a cave with no hope of rescue and no foo.docxmadlynplamondon
-7 Three men are trapped in a cave with no hope of rescue and no food. They roll dice to determine who will be killed and eaten by the others so that some may survive. The two survivors are unexpectedly rescued 10 days later and tried for murder. Judge A finds them guilty, saying that the unjustifiable killing of another is against the homicide laws of State X. He bases his decision solely on statutory law and case precedents interpreting the law. To which school of legal thought does Judge A belong? Explain.
2-8 Basing his decision on the same set of facts as given in Problem 2-7, Judge B rules that the survivors are not guilty because they were cut off from all civilized life, and in such a situation, the laws of nature apply, not manmade laws. To which school of legal thought does Judge B belong? Explain.
2-9 Basing her decision on the same set of facts as given in Problem 2-7, Judge C rules that the two survivors are not guilty because, according to a scientific survey of the community by a professional polling organization, the public believes that the survivors’ actions were defensible. To which school of legal thought does Judge C belong? Explain.
2-10 Imagine you are a sitting federal judge, and this case comes before you. A woman (x) charges another woman (y) with rape. Both have been partners for a five-year period. Both presently live in different states within the United States. Who would you decide the case in favor of? Explain, using one of the schools of thought outlined in this chapter.
2-11 Madison and his adult son lived in a house owned by Madison. At the request of the son, Marshall painted the house. Madison did not authorize the work, but he knew that it was being done and raised no objection. However, Madison refused to pay Marshall, arguing that he had not contracted to have the house painted. Marshall asked his attorney if Madison was legally liable to pay him. The attorney told Marshall that, in their state, several appellate court opinions had established that when a homeowner allows work to be done on his home by a person who would ordinarily expect to be paid, a duty to pay exists. The attorney stated that, on the basis of these precedents, it was advisable for Marshall to bring a suit to collect the reasonable value of the work he had done. Explain what the attorney meant by precedent and why the fact that precedent existed was significant.
2-12 Smith was involved in litigation in California. She lost her case in the trial court. She appealed to the California appellate court, arguing that the trial court judge had incorrectly excluded certain evidence. To support her argument, she cited rulings by the Supreme Court of North Dakota and the Supreme Court of Ohio. Both the North Dakota and Ohio cases involved facts that were similar to those in Smith’s case. Does the California court have to follow the decisions from North Dakota and Ohio? Support your answer.
.
-1. Are the three main elements of compensation systems—internal.docxmadlynplamondon
-1.
Are the three main elements of compensation systems—internal consistency, market competitiveness, and recognizing employee contributions—equally important, or do you believe that they differ in importance? If different, which do you believe is most important? Least important? Give your rationale.
use 1 online reference and
Martocchio, J. (2017). Strategic Compensation: A human resource management approach (9th ed.). Upper Saddle River, NJ: Pearson.
.
- What are the key differences between national health service (.docxmadlynplamondon
- What are the key differences between national health service (NHS) and national health insurance (NHI) systems?
- How do NHI and NHS systems compare with the health care system in the United States?
- How do most countries with similar levels per capita income differ from and resemble the United States with respect to provider payments, coordination of care, workforce and information technology, and health system performance?
Cite at least 2 peer reviewed journal/article. Write in APA format
.
--Describe and analyze the ways in which Alfons Heck’s participation.docxmadlynplamondon
--Describe and analyze the ways in which Alfons Heck’s participation in the Hitler Youth and in the culture of Nazism served to craft his sense of purpose and identity. How are the acts of writing and reflection in his memoir also a means of crafting an identity for himself many decades later? A Child of Hitler: Germany in the Days when God Wore a Swastika Book by Alfons Heck All papers must be 2-4 pages in length, computer-printed, and double-spaced with one-inch margins. Use an appropriate citation style (either footnotes or internal citations).
.
------ Watch an online speechpresentation of 20 minutes or lo.docxmadlynplamondon
------
Watch an online speech/presentation of 20 minutes or longer.
( please cite the presentation you would use)
Write a speech analysis essay of
2-3 pages
I: List the speaker, date, location, & topic, and describe the audience. Describe each of these elements and analyze the effect that each of these elements had on the speaker and/or speech.
II: Describe and analyze the effectiveness of each part of the speaker's introduction (attention getter, revelation of topic, statement of credibility, statement of central idea, preview of main points).
III: Summarize each of the speaker's main points. What pattern of organization did the speaker utilize? Was this effective? Why or why not?
IV: Describe and analyze the effectiveness of the evidence/supporting material that the speaker used.
V: Describe and analyze the effectiveness of the speaker's language.
VI: Describe and analyze the effectiveness of the speaker's delivery.
VII: Describe and analyze the effectiveness of each part of the speaker's conclusion.
.
) Florida National UniversityNursing DepartmentBSN.docxmadlynplamondon
)
Florida National University
Nursing Department
BSN Program
NUR 4636-Community Health Nursing
Prof. Eddie Cruz, RN MSN
Please choose one infectious disease or communicable disease and present a 1,000 words essay including the follow;
Name of the disease including agents that cause Infectious/Communicable Disease, the mode of contamination or how it is spread.
The modes of prevention applying the three levels of prevention with at least one example of each one.
Prevalence and control of the condition according to the Center for Disease Control and Prevention (CDC) including morbidity and mortality.
Implications of the disease in the community and the role of the community health nurse in the control and prevention of the disease.
The essay must be presented in a Word Document, APA format, Arial 12 font attached to the forum in the tab of the Discussion Question title “Infections/Communicable disease essay” and in the assignment tab under the exercise title “SafeAssign infectious/communicable disease”. A minimum of 3 references no older than 5 years must be used. If you use any reference from any website make sure they are reliable sites such as CDC, NIH, Institute of Medicine, etc.
There is a rubric attached to the assignment for your guidance.
Below please see the definitions of infectious disease and communicable disease. They are similar but differ in some characteristics.
Infectious diseases
are disorders caused by organisms — such as bacteria, viruses, fungi or parasites. Many organisms live in and on our bodies. They're normally harmless or even helpful. But under certain conditions, some organisms may cause
disease
. Some
infectious diseases
can be passed from person to person.
Communicable
, or infectious
diseases
, are caused by microorganisms such as bacteria, viruses, parasites and fungi that can be spread, directly or indirectly, from one person to another. Some are transmitted through bites from insects while others are caused by ingesting contaminated food or water.
.
- Please answer question 2 at the end of the case.- cita.docxmadlynplamondon
- Please answer
question 2
at the end of the case.
- citations and references in
IEEE
style
( at least two)
- your answer should be in regards to the case
+
regarding the question itself.
Do it twice ( two different copies)
.
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?
Students, digital devices and success - Andreas Schleicher - 27 May 2024..pptxEduSkills OECD
Andreas Schleicher presents at the OECD webinar ‘Digital devices in schools: detrimental distraction or secret to success?’ on 27 May 2024. The presentation was based on findings from PISA 2022 results and the webinar helped launch the PISA in Focus ‘Managing screen time: How to protect and equip students against distraction’ https://www.oecd-ilibrary.org/education/managing-screen-time_7c225af4-en and the OECD Education Policy Perspective ‘Students, digital devices and success’ can be found here - https://oe.cd/il/5yV
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 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
How to Split Bills in the Odoo 17 POS ModuleCeline George
Bills have a main role in point of sale procedure. It will help to track sales, handling payments and giving receipts to customers. Bill splitting also has an important role in POS. For example, If some friends come together for dinner and if they want to divide the bill then it is possible by POS bill splitting. This slide will show how to split bills in odoo 17 POS.
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.
We all have good and bad thoughts from time to time and situation to situation. We are bombarded daily with spiraling thoughts(both negative and positive) creating all-consuming feel , making us difficult to manage with associated suffering. Good thoughts are like our Mob Signal (Positive thought) amidst noise(negative thought) in the atmosphere. Negative thoughts like noise outweigh positive thoughts. These thoughts often create unwanted confusion, trouble, stress and frustration in our mind as well as chaos in our physical world. Negative thoughts are also known as “distorted thinking”.
Chapter 3 - Islamic Banking Products and Services.pptx
Each response should be at least 200 words.Post Response # 1 He.docx
1. Each response should be at least 200 words.
Post Response # 1: Hey class, I would like to enlist the March
of Dimes to assist with providing support for pregnant women
and mothers of small children in my community. I love this
organization because they believe that all babies deserve the
best possible start. March of Dimes has been around for over
80 years and has helped millions of babies. They do allot to
help educate people about best practices for expecting mothers
and babies. When my close friend’s son was in the NICU, they
helped provide her and her family comfort and support.
On Saturday, April 18th myself and three close friends will
walk three miles at City Park to help to raise funds to support
research, advocacy and programs for the health of all moms and
babies. I did this last year as well and it was a blast! We bring
our kids and come together to celebrate our experiences and
beautiful children. It brings the community together and we
help raise money.
CBO’s support the community. According to the U.S.
Department of Education (2004), the term community-based
organization (CBO) means “a public or private nonprofit
organization of demonstrated effectiveness that (A) is
representative of a community or significant segments of a
community; and (B) provides educational or related services to
individuals in the community.” Technology has become
increasingly important to manage operations and develop
solutions.
My Response:
Post Response 2: Hello Everyone, I have chosen the Autism
Society as my community-based organization (CBO) to assist
with providing services to autism in my community as this is an
issue that hits close to home as a few of my friends have
children with Autism. Living in small community Autism
resources are not readily available as they are for cities at least
2. 45 minutes or more away from our town. Shawano does,
however, have an organization called Bridge the Gap, which
does assist with this population. However, this is not enough. I
would enlist the help of the Autism Society with funding to help
this organization help even more people, provide services that
are not yet available in the community, providing funding to not
only the program but to families to afford these services and
provide education for the community, among other items as
well. The mission of the Autism Society of Greater Wisconsin
is, “…to provide a community for individuals affected by
autism, their families, and professionals who serve them. Our
goal is to increase the quality of life for those affected by
autism and respond to the emerging needs of the autism
community” (Autism Society of Greater Wisconsin, 2020). With
this mind, I would want these efforts to improve the lives of
people and the families affected by autism by providing
support, accurate information and resources, referrals,
education, and community development. I would also enlist the
help of community members and families affected by Autism to
assist in writing letters as to why the help from this
organization would assist in helping the community.
My Response:
You Can Bootstrap Your Startup from an Excel Spreadsheet
with This Founder's 'Agile Financing' Model
By Jeff Haden, Contributing editor, Inc.
Pini Yakuel is the co-founder of Optimove, an AI-driven
relationship management platform that lets brands like 800-
Flowers, Adore Me and Freshly divide their customer base into
micro-segments and send them extremely personalized,
emotionally intelligent communications at a huge scale.
Sounds great, right? It is -- but when they launched the
company almost ten years ago, they kept their day jobs,
bootstrapped Optimove, and created a simple Excel spreadsheet
to handle accounting.
3. And as you'll see, even though they now have over 100
employees and offices on three continents, they used that same
spreadsheet until last year.
Pini calls the approach agile financing. Want to know how you
can use agile financing to grow your business without
significant capital or outside investors?
Here's Pini:
If you've started a self-sustaining business--one that prioritizes
profitable growth--your financial situation is unique. You aren't
governed by an arbitrary valuation, nor do you need to report to
investors. Your growth depends on chasing revenue. And if
you're a young company that's growing quickly and constantly
changing, you need to be nimble.
My company, Optimove, now has 140 employees, more than 250
clients, and offices in three continents. An agile financing
method helped us grow from a two-person startup to one with
140 employees and offices in three continents. It seems unreal
that until a year ago, and for six years running, we managed our
entire financial operation from a single Excel sheet.
Could "Agile Financing" Work for You?
This method worked for us because it kept us focused on
staying profitable and investing in the highest priority areas of
our business. From day one, my co-founder and I knew we
weren't going to take any funding until we were ready. We kept
our day jobs as university lecturers and bootstrapped the
business by taking on consulting work--analyzing and
segmenting customer personas for companies that were sitting
on a goldmine of data.
As the consulting money came in, we invested every available
penny into the product, which would automate the work we
were doing for our clients. By starting with a consulting model,
we were able to get valuable customer feedback and build a
client base while developing our SaaS product.
While we had a plan in place for making money, our business
was growing and changing rapidly. Creating an annual forecast
or measuring estimated vs. actual spend wouldn't have told us
4. much about our business.
What To Put In Your Model
We engineered an agile financing model based on the monthly
economics of our business. Based on a snapshot of our net
revenue in a given month, we made quick decisions about where
to invest.
We tracked four numbers:
· Monthly revenue (total booked across all signed contracts,
averaged by month)
· Monthly costs (total spent on salaries, rent, equipment, travel,
etc., averaged by month)
· Revenue gap (the difference between numbers one and two)
· Cash buffer (savings in the bank
Key to this approach was its real-time nature. We tracked all
expenses as they happened; for instance, we would add a new
hire's salary to our calculation of monthly costs, even if their
start date wasn't for another 90 days.
Similarly, we added new client revenue as soon as the contract
was signed. We could always see the amount we had available
to invest back into the business. When this gap became
substantial enough--for instance, after signing a new client--we
would invest in the most immediate bottleneck, whether it was
engineering talent, a bigger marketing budget, or customer
support resources.
A monthly model worked well for us as a consulting-turned-
SaaS business with recurring revenue (first in the form of
consulting clients on retainer, then a monthly subscription for
the product) and regular expenses (primarily payroll and rent).
Our business was not yet mature enough to warrant hiring a
controller and creating an annual budget or quarterly forecast.
In fact, we had no interest in the future or the past, estimates
versus actuals, or projections of any kind. We kept our eyes on
the business' financials in the present.
When we first started the company, our cash buffer was about
$100,000, saved from consulting, plus our own financing and a
small loan. Our recurring costs were about $20,000 per month.
5. Once we reached $25,000 in monthly revenue--a gap of $5,000--
we began to take small salaries and rented an office.
Keep It Updated in Real Time
As we grew and had more revenue and expenses, we logged
everything in that single Excel sheet. It saved us a great deal of
time that would have been spent on forecasting and accounting.
Even after we hired a CFO, we used the same method of agile
financing. The CFO managed the finances and the two of us
allocated monthly budgets to department heads. These budgets
were accounted for as part of our recurring expenses; anything
beyond this needed to be approved.
The only time our costs exceeded revenue was a period in 2009,
just after the financial collapse. During this time we mostly
broke even, but it proved the importance of having a cash
buffer. We were judicious about where we invested, and our
growth was a bit slower.
We used the same agile model until a year ago, when we took a
$20 million growth investment. At this point we had a cash
buffer of $3 million. Our product was well established in the
industry, serving hundreds of clients and in its sixth version
release. The fact that this financial model served us through
years of growth attests to how well it embodied our M.O.:
Iterate quickly, and invest every dollar back into the business.
It also served to maintain our ethos that businesses can grow
without burning through VC cash.
Conclusion
A few tips for agile financing:
1. Write down recurring costs as soon as you know them--even
if one is set to start in 90 days.
2. In the beginning you may need to take a small loan to
establish a cash buffer, and use your gap to pay off the loan.
3. Make every decision based on the gap at that particular
moment--not based on optimistic forecasting or a yearly
meeting in which you make financial decisions.
And a couple of caveats:
· This approach doesn't work for businesses with high churn
6. rates or variable spending. Too much fluctuation becomes
dangerous because your buffer may not be able to absorb a
significant change from month to month.
· It also doesn't work for businesses with outside investors who
require reporting and transparency into the finances. It is a
method for bootstrapped startups with recurring revenue and
consistent spending, such as SaaS businesses.
As a startup, your ability to predict the future is limited. You
are forced to react to what is happening in the moment,
prioritize fiercely, iterate, and move forward. Your financing
paradigm should represent this type of agile growth.
20 Best Ways To Finance A Business Start-Up
May 6, 2019 Chris Motola
When launching a business, the essential components of your
success are the quality of your ideas and your willingness to put
in the work required to see those ideas come to life. In the milk
of capitalist meritocracy, the cream rises to the top. With
gumption, know-how, and a little steely-eyed grit, there’s
nothing stopping you from turning all that money currently
languishing in your trust fund into a thriving business
enterprise. Go ahead, make your mark on an opportunity-laden
world!
Wait, what’s that you say? You don’t have a fat trust fund to
draw from? In that case, looks like you’ll have to raise some
capital. According to the Small Business Administration, the
average cost of launching a start-up in 2009 was estimated (by
the Kauffmann Foundation) to be $30,000. Obviously, different
kinds of businesses have different funding requirements, but in
the years since 2009, start-up costs certainly haven’t gone
down.
The prospect of going, hat in hand, to beg for money from the
holders of capital isn’t one that appeals to most entrepreneurs.
It probably wasn’t the aspect of building a business that
7. occupied your fever dreams growing up. Nonetheless, for those
of us without inherited wealth, borrowing money to start a
business is a necessity.
Let’s explore the ways you can get your mitts on some start-up
capital for your new business venture.
Personal Assets
1. Your Own Assets
Self-funding may not be realistic for many entrepreneurs. Yet
the fact remains that (according to the nonprofit association
SCORE) 57 percent of start-up business owners use their
personal savings for start-up capital. It may not be the most
appealing prospect — it’s always more fun to spend someone
else’s money — but sometimes, entrepreneurship entails
sacrifice.
You might not be flush with cash, but you can always try doing
things to change that. You could sell your car and just use Lyft,
or the bus, to get around. Sell your house and rent an apartment
above a restaurant. Or keep the house and get a home equity
loan or line of credit. Just be sure to make the payments, or else
you’ll be wishing you got that apartment when you had the
chance.
You can even borrow money from your 401(k) or your IRA
savings account. These are obviously not risk-free options and
should not be your first resort. But if you were looking for a life
of minimized risk, you’d have chosen a more staid line of work.
So be careful, but know that these options are available to you.
In fact, your business might be seen as a more worthwhile
investment if investors see that you have a personal stake in its
success.
If you’re thinking about tapping your retirement accounts, you
may want to look into Rollovers as Business Startups (ROBS).
For a fee, a ROBS funder will allow you to tap your retirement
funds tax-free and use them to finance a new business or
acquire an existing one. Keep in mind, this is still a risky
practice that can jeopardize your retirement savings, and the
8. fees can be significant.
2. Friends and Family
Another less-than-ideal funding solution involves hitting up
your friends and family for money. It’s certainly a tempting
route to go. Banks and investors will likely demand a more
thorough accounting of your business structure and
creditworthiness than will your Nana. She’s probably not going
to charge you the same level of interest, either.
However, it’s one thing to imperil your own finances with the
inherently risky activity of starting a business. It’s quite another
to put your close personal relationships in jeopardy. Consider
the risk to which you’re subjecting your loved ones. Also
consider the fact that having your family and friends’ money
involved may drive you to stick with a losing proposition longer
than is rational, should your business start to tank (as so many
do).
If you do decide to seek business funding from friends and
family, do yourself a favor: go through all the proper legal
channels and have the paperwork professionally prepared. You
should also make sure to request a loan, not equity investment.
Ask for the latter, and your friends/family will have the legal
right to be involved in major decisions involving your business.
Do you really want Uncle Earl playing a role in running your
company? He still uses AOL, for heaven’s sake.
3. Personal Loans
When you’re launching a start-up, business loans can be quite
hard to obtain, mostly due to your lack of existing business
revenue. It’s a classic “chicken and egg” problem. This is where
personal loans can become a solution. Whereas getting a
business loan is dependent on characteristics like the health and
creditworthiness of your business, getting a personal loan is
entirely dependent on your characteristics. Expect lenders to
closely scrutinize your credit score (640 is typically the bare
minimum), source of income, debt-to-income ratio, and
9. proposed use of the loan.
Personal loans generally top out at $35K, though a few lenders
cap it at $50K or higher. This is but a fraction of the amount
you can borrow with a business loan, which can be $1M or
more. Simply put, start-ups are inherently risky ventures, so the
amount of capital lenders are willing to lend you is going to be
strictly limited.
Business Financing
4. Credit Cards
Credit cards can always help you out of a jam in your personal
life. The same applies to financing your start-up.
Small business credit cards can have limits as high as $50,000.
Considering that this is funding you can use without having
your business plans scrutinized by some grand poobah, credit
cards may be one of the most convenient means of financing a
budding business. Of course, with this convenience comes high
interest rates. You don’t want to let your credit card debt linger
with the interest piling up, so plan to pay it back as soon as
possible, within the no-interest grace period if possible.
5. Grants
Free money: what better way could there be to fund your start-
up? Unfortunately, obtaining a grant to fund your young
business isn’t easy. That’s why you don’t hear about it
happening too often. However, grant programs do, in fact, exist.
There are federal grant programs, state and local government
grant programs, and some private grant organizations as well.
You can findgrant programs tailored to specific types of
businesses, as well as certain segments of the population. There
are small business grant programs for veterans, women, single
mothers, and other groups. Be prepared to write an extensive
and detailed proposal if you want any hope of landing a grant,
however. Competition for grants is tight, and only the most
compelling pleas are heard.
10. Grant programs can offer amounts as small as a few hundred
dollars to recipients, so don’t expect to ride a wave of free
money to business success. However, if you find a program that
you match up well with and have a particularly poignant story
to tell (and the time to tell it), you have nothing to lose by
giving it a shot.
6. Bank Loans
Entrepreneurs trying to launch their first business venture are
more likely to secure just about any of the above types of loans
than a bank loan. Banks tend to want to see a history of
profit before they’ll let you sniff their money — an obvious
problem for a new start-up.
Nonetheless, if you have a significant amount of collateral (and
yes, that’s a big if) and excellent credit, don’t count out bank
loans as a possible source of capital. A commercial loan from a
bank can resemble a mortgage: there’s a fixed interest rate,
fixed monthly/quarterly payments and a maturity date.
Equity Financing
7. Angel Investors
Angel investors are wealthy business people who finance
startups that have the potential to make them even wealthier.
Angel investors don’t offer loans; instead, they offer equity
investments, which buy them a share of the ownership of your
company. As it turns out, “angel investors” aren’t motivated by
angelic altruism, but by the same profit motives that drive you
and me! (If you’re familiar with any of the insufferable high
rollers on the show Shark Tank, you know what I’m talking
about.)
According to Entrepreneur.com, angel investments often amount
to around $600,000, so we’re not talking chump change here.
It’s a very tempting funding avenue to pursue if you’ve got
more potential than cash on hand. But beware — you’ll also be
giving up between 10 and 50 percent of your business.
11. There’s also the chance that your angel investor(s) might take
exception to your management abilities and engineer a palace
coup to depose your entrepreneurial butt right out of your own
company. We’re talking Wolf of Wall Street stuff here.
Experience this, and you probably won’t be thinking of them as
“angels” anymore!
Nonetheless, if you think you can make it work, angel investors
are quite a tempting source of capital, considering you won’t
have to make payments with interest on the investment.
The Angel Capital Association (ACA) has a directory of angel
groups and platforms. It’s a good place to begin your quest for
angel investments.
Crowdfunding
Crowdfunding takes the traditional approach to raising start-up
capital and turns it on its head. Instead of bringing your sales
pitch to investors and institutions hoping to be heard, you get a
platform on which to lay out your plans and your needs for your
budding business. Utilizing the advantages of the internet and
giving investors the chance to come to you is a much more
efficient means of pitching woo to your potential funders.
Different crowdfunding websites have somewhat different ways
of operating. Let’s go through some of the more popular
options.
8. Kickstarter
By far the most popular crowdfunding platform in existence,
Kickstarter has become synonymous with crowdfunding. On
their website, Kickstarter boasts:
Since our launch, on April 28, 2009, 13 million people have
backed a project, $2.9 billion has been pledged,
and 122,080 projects have been successfully funded.
Kickstarter is what’s known as a rewards-based fundraising
platform. Rather than invest in the pursuit of financial or equity
return, investors typically get a “reward” for their generosity in
the form of getting to use the end product or service in advance
of everyone else.
12. Kickstarter is a fine option for the entrepreneur with a
compelling pitch to make, but keep in mind that Kickstarter
releases the funds donated to your business only after your
campaign reaches its funding goal. Only about 36% of
Kickstarter campaigns reach their funding goal. The rest fall
short, in which case the campaigner gets nothing.
9. Indiegogo
Indiego started as a fundraising platform for independent
films but has since expanded to become a general purpose
crowdfunder, offering opportunities in even more business
categories than does Kickstarter.
Though they don’t get the same degree of media attention
Kickstarter gets, Indiegogo actually has more live campaigns
going at any one time than does Kickstarter. That may be
because, unlike their better-known competitors, Indiegogo
crowdfunding campaigns don’t necessarily have to meet their
fundraising goal to receive their funds. All-or-nothing funding
campaigns are offered by Indiegogo, though, as many backers
may find that a more attractive proposition.
One important note: unlike Kickstarter donations, Indiegogo
investments are not refundable.
10. GoFundMe
GoFundMe is a crowdfunding platform most often used for
personal causes and unfortunate life events, though you could
certainly attempt to raise start-up funds through the site. It’s not
linked to an existing community of investors, though, so
donations are most likely to come from those in your own
personal network, as well as those to whom you can get the
word out. To this end, GoFundMe is optimized for social
sharing.
With GoFundMe, there is no all-or-nothing funding
requirement, though you will have to pay the same fees
regardless of whether your campaign raises $2000 or $20. If
your start-up is related to some kind of personal or social cause,
GoFundMe is a crowdfunding avenue worth pursuing. Just don’t
13. expect a tremendous windfall.
11. Funding Contests
Funding contests are a very non-traditional means of raising
money for a business start-up, but then again, tradition is
overrated. Programs like the Amazon Web Services Start-Up
Challenge and the MIT $100K Entrepreneurship
Competition offers start-ups the chance to compete for
thousands of dollars in funding every year. These contests
receive an overwhelming number of applicants, as you can
imagine. Make sure to present your pitch in a unique and
compelling way. Your ideas need to stand out in a sea of thirsty
funding seekers.
12. Peer-to-Peer Lending
Peer-to-Peer Lending, sometimes known as social lending or
crowdlending, takes the crowdfunding model of Kickstarter and
combines it with more traditional lending practices. P2P
services are essentially matchmaking services, only instead of
pairing up lonely singles desperate for some semblance of
human connection, P2P companies match lenders with
borrowers.
P2P loans have two primary advantages over traditional loans.
The first is that the application process is simpler and more
convenient. You don’t have to meet with some stuffed suit or
open your business premises for inspection. The entire process
can be done at home, in your bedclothes (like most of the truly
important things in life). The second advantage is that the
process for getting approved and receiving funds is much faster
than with traditional lending.
The downside is that P2P lenders tend to be particularly risk-
averse when it comes to lending to those with iffy credit.
Microloans
Microloans exist for the benefit of borrowers who fall short of
the collateral and cash flow requirements necessary to acquire
traditional bank loans.
Microloans are typically defined as very small, short-term loans
14. with a low-interest rate, extended to self-employed individuals,
new startups with very low capital requirements, or small
businesses with only a few employees.
Microloans can be facilitated both by the federal government
and private entities.
13. SBA Microloans
As part of the SBA Small Business Loan Advantage program,
SBA lenders are encouraged to make smaller business loans
with lower interest rates (between 6 and 8 percent annually) to
qualified businesses with good credit. Childcare-related
nonprofits are particularly likely to be eligible for such loans.
According to the SBA, the average such loan size is $13,000,
and the maximum length of an SBA microloan is six years.
SBA microloans must be used for the following specified
purposes:
· Working capital
· Inventory or supplies
· Furniture or fixtures
· Machinery or equipment
An SBA microloan cannot be used to pay off existing debts or
to purchase real estate.
14. Kiva Microloans
Kiva is a nonprofit microlender that offers loans with 0%
interest and no collateral. Pretty sweet, huh? Kiva offers
a maximum possible borrowing amount of $10K, so their loans
are decidedly micro, Plus, the application process is long and
arduous. On the other hand, 0% interest and no collateral!
Kiva is known for treating its users with a personal touch,
which is decidedly not the norm in this field. In an industry rife
with predatory practices, Kiva strives to be a positive
community force, and that’s something I can get behind.
15. Accion Microloans
Accion is another private nonprofit microlender. Unlike Kiva,
their loans do come with interest (8% – 22%) and can involve
15. collateral requirements. However, Accion loans can be as much
as $50K.
Not only does Accion offer microloans, but they also provide
financial education, holding workshops and events around the
country geared towards getting emerging small businesses on
their feet. They also enjoy a reputation for transparency and
excellent customer service.
SBA Loans (aside from microloans)
Microloans aren’t the only types of loans available to start-ups
offered by the SBA.
16. 7(a) Loans
A 7(a) loan is a loan partially guaranteed by the SBA in
which the lender agrees not to exceed certain limits on interest
rates and other loan terms. The program is designed to help
borrowers who would be unlikely to qualify for a commercial
loan from a bank.
To qualify for an SBA 7(a) loan, you must demonstrate that the
SBA wasn’t the first place you went looking for money. Perhaps
the biggest buzzkill here is that your business must also have
already generated over a million dollars in income. Clearly, this
isn’t a funding route to pursue before you actually launch your
start-up. But for young businesses with demonstrable potential,
the 7(a) program may be worth considering.
17. CDC/504 Loans
Another SBA loan program, CDC/504 loans are tools with
which the government helps certain businesses pursuant
to specific public policy goals, such as energy efficiency or the
promotion of minority-owned businesses.
According to the SBA, CDC/504 loans may be used for the
following purposes:
· The purchase of land, including existing buildings
· The purchase of improvements, including grading, street
improvements, utilities, parking lots and landscaping
16. · The construction of new facilities or modernizing, renovating
or converting existing facilities
· The purchase of long-term machinery and equipment
Clearly, these aren’t the things most start-ups are looking to do,
but if your new venture is involved with any of the above, and
your business purpose is seen by the SBA as furthering their
public policies, you may just want to investigate this program.
Miscellaneous
18. Trade Credit
Trade credit is the credit extended to you by suppliers who let
you buy now and pay later. Any time you take delivery of
materials, equipment or other valuables without paying cash on
the spot, you’re using trade credit.
Since trade credit is trust-based, it’s not easy for a start-up to
obtain. However, if you really have your stuff together, you can
pitch this arrangement to your suppliers just as you would if
you were applying for a bank loan. Present a detailed business
plan and offer collateral.
For new businesses, trade credit is a definite long-shot, which is
why it’s all the way down at number 18. Still, keep it in mind as
a possibility.
19. Presales
This is another path to funding that’s difficult if you’re a start-
up without an established reputation, but if you have the right
kind of marketing skills, you just might be able to pull it off.
Let’s say you’re in the process of creating a simple yet
addictive video game. You show off a demo of the game on
your popular YouTube channel and people go nuts for it. Even
the YouTube comment trolls are impressed. If people like you
enough, you might convince enough of them to pre-pay for the
right to download the finished product on launch day. This way,
there’s no middle-man involved, thus giving you direct access
to the capital you need.
It’s so crazy that it just might work.
20. PayPal Working Capital
17. You might not realize that PayPal offers loans, but yes, in fact,
they do. PayPal Working Capital offers short-term business
loans based on an existing business’s PayPal earnings–in short,
it’s a funding option that requires a bit of business history. It’s
not for the brand-new start-up with no earnings, but for more
established businesses, PayPal loans can be an attractive option.
They don’t even require a minimum credit score.
To apply, you need to fill out an application available through
your PayPal account. You won’t need to provide any other
information as PayPal is already your credit card processor in
this scenario and they are aware o your financial situation.
Final Thoughts
The quest for start-up financing isn’t a game for the meek. It’s a
full-contact sport, and you’ve got to be willing to get out there
and fight for the merits of your ideas and the structural
soundness of your business plan. You’ve also got to expect
rejection when seeking business capital. That’s why it helps to
be aware of as many paths to capital as possible. Given the
plethora of funding opportunities out there, the odds are decent
that you’ll find at least one path that’s navigable for you and
your start-up–so long as you’ve done your entrepreneurial
homework and applied a fresh coat of optimism to your face,
that is.
Of course, you could have avoided all this if you had just
chosen to be born with a trust fund, but we’ll let that slide.
Chris Motola is a writer, programmer, game designer, and
product of NY. These days he's mostly writing about financial
products, but in a past life he wrote about health care and
business. He's a graduate of the University of Central Florida.