Special sale for college students!!!
Media-Blitz is offering a Special Sale to Greene County Community College students. On Sept 27, students will receive the following discounts throughout the store:
20% off all C D s
25% off all cassette tapes
15% off all VHS movies
20% off select DVD movies
Bring a current student ID or copy of your official class schedule with you to receive these great savings on your purchases that day. Now is the time to buy new or classic releases by your favorite musicians Plus, you can increase your collection at these prices!
Media-Blitz
Open 9 a.m. to 9 p.m.
2468 College Avenue
555-BLTZ
Where Greene County Community College Students find great Music and Videos!
Thursday, January 27, 2011
chap1_cap_buffalo_solution
The Buffalo National River
The Buffalo National River begins as a trickle in the Boston Mountains, where it flows north and then
eastward through the Ozark Mountains until it merges 150 miles later with the White River at
Buffalo City.
The upper Buffalo offers the river’s finest scenic beauty. With its massive, towering bluffs, countless waterfalls, watchable wildlife, ties to both historic and prehistoric cultures, and remote, unspoiled location, the upper Buffalo National River wilderness is surely mid-America’s finest outdoor destination.
In fact, the entire river is such a special place that in 1972, Congress designated it as America’s first national river. This unique status protects the Buffalo from commercial or residential development, along with other destructive operations such as damming and gravel mining, thus preserving its scenic beauty and natural wild state forever.
Floating Season
The floating season on the upper Buffalo (Ponca to Pruitt) is March through June, with early July floating a possibility on occasion. The Buffalo is primarily dependent upon rainfall for its water level, so once the rains of spring and early summer have passed, so has the chance to float the upper section. (Hiking, however, is great year-round, as is trail riding!)
SPECIAL NOTE: As a river preservation measure, the National Park Service limits the number of rental boats that can be launched on any given day. Therefore, if you are planning a weekend float, it is wise to reserve your boat(s) in advance. For example, it is never too early to book a boat for a May weekend, which is the upper Buffalo’s most popular floating month.
River Levels & Safety
The Buffalo is rated Class I & II, meaning that it is typically suitable for paddlers of most any age and skill level (see Young Children note below). Floating is generally done in canoes, with rafting and kayaking possible when the water level is high enough. In the event of flooding, the National Park Service will close the river to boating.
RIVER SAFETY & YOUNG CHILDREN:
Children should be at least age 4 and able to swim before floating the Buffalo. Consider taking little tykes to one of the pretty local swimming holes (just ask us a local for directions). Small ones love playing in the sand and splashing about in the calm water’s edge rather than taking a long, uncertain canoe ride. If you need help determining if a float trip is right for a child or anyone else in your group, just call a local river outfitter
Float Trip Options
DAY TRIPS
The most popular float---and without a doubt the river’s most scenic---is from Ponca to Kyle’s Landing, a 10-mile float that takes between four and six hours to complete. When the water from Ponca to Kyle’s is too low to float, the day-trip launch site is moved downriver to the Pruitt access, where you float seven miles to Hasty. Check river outfitter websites for current river levels and launching points.
MULTI-DAY TRIPS
The most popular multi-day trip is the Ponca to Pruitt trip, a 24-mile float that takes a minimum of two days to complete. However, with 150 miles of Buffalo National River to explore, there are many ways to plan a multi-day trip. Call a local outfitter for expert assistance with planning an overnight float trip.
River Mileage
Here’s a handy reference chart of the most popular float trips. Please remember that the “Time Required” to complete a trip can vary somewhat due to water level, weather conditions, and the speed and skill with which you paddle.
River Trip # of Miles Time Required
Ponca to Kyle’s Landing 10 miles 4 to 6 hours
Steel Creek to Kyle’s 8 miles 4 to 5 hours
Ponca to Pruitt 24 miles 2 days (min)
Pruitt to Hasty 7 miles 4 to 5 hours
Pruitt to Carver 11 miles 6 to 7 hours
Pruitt to Woolum 26 miles 2 days (min.)
Boat Rental
BOATS & EQUIPMENT
Canoes, rafts, and kayaks are available for rent. Paddles and life vests are included in your rental.
SPECIAL NOTE: As a river preservation measure, the National Park Service limits the number of rental boats that can be launched on any given day. Therefore, if you plan a weekend float, it is wise to reserve your boat(s) in advance. For example, it is never too early to book a boat for a May weekend, which is the upper Buffalo’s most popular floating month.
HOW MANY BOATS YOU’LL NEED
When it comes to canoes, two adults per canoe is the recommendation. This allows for good balance and adequate room for gear. However, it is not uncommon for three small-frame adults or parents with one or two average-sized youngsters to share a canoe.
Most rafts can comfortably hold up to six people along with an average amount of gear. (Remember, rafting is highly dependent upon a good water level, so if the Buffalo is too low to raft you should consider a canoe.)
Launch Times & Sites
DAY TRIPS
Boats launch between 8:30 a.m. and Noon. This gives you plenty of time to complete your float before dark, and enjoy some hiking or picnicking along the way.
Launch sites for the Ponca to Kyle’s Landing float vary, depending upon water level and the day of the week. On Saturdays, the National Park Service requires that rental boats be launched at nearby Steel Creek. Otherwise, if the water level permits, outfitters launch at Ponca which allows two additional miles of floating, as well as the chance to float alongside magnificent Roark Bluff.
Glass, Trash, & Other Regulations
Glass containers are prohibited on the Buffalo River. And, ice chests MUST have the lids secured so that contents stay put in the event of a tipped canoe. Also, open beverages must be placed in a FLOATABLE holder, such as a can cooler.
At the launch site, you’ll receive a trash bag that will conveniently help you keep your boat and the river debris free. At the end of your trip, simply place your trash bag in a park waste can.
For more information about park regulations such as campfires, pets, backcountry waste, etc., contact the Buffalo’s National Park Service headquarters in Harrison, Arkansas.
Camping
The Buffalo National River is an outstanding float-and-camp river. The upper section offers several primitive camp sites with limited services.
CAMPGROUNDS NEAR PONCA
Lost Valley Small campground located at the trailhead to the Lost Valley trail; just 1.5 miles south of Ponca on Hwy 43; not a riverside campground; small travel trailers and campers can fit here (remember, no hookups though)
Steel Creek Large open camping area; located along the most scenic bluff on the Buffalo; also offers a horse camp for trail riders; just two miles downriver of the Ponca low water bridge
Kyle’s Landing Scenic camping 10 miles downriver of Ponca; great to use as an overnight spot for a multi-day trip
FEES: $10 per night per site
SERVICES: These sites typically feature a tent site, fire grate, picnic table, lantern hook, and pit or flush toilets common to all campers. A few sites have pay phone service. None of the sites offer electrical or waste hookups.
RESERVING A SITE: Camp sites are available on a first-come, first-serve basis.
CAMPING ALONG THE RIVER: You may camp anywhere along the river as long as you stay 1/2 mile below or above a designated campground (such as Kyle’s). While this type of camping is the ultimate outdoor experience, it also requires that you take special measures to protect the landscape. Contact the National Park Service at for complete camping/campground details and regulations.
The Buffalo National River begins as a trickle in the Boston Mountains, where it flows north and then
eastward through the Ozark Mountains until it merges 150 miles later with the White River at
Buffalo City.
The upper Buffalo offers the river’s finest scenic beauty. With its massive, towering bluffs, countless waterfalls, watchable wildlife, ties to both historic and prehistoric cultures, and remote, unspoiled location, the upper Buffalo National River wilderness is surely mid-America’s finest outdoor destination.
In fact, the entire river is such a special place that in 1972, Congress designated it as America’s first national river. This unique status protects the Buffalo from commercial or residential development, along with other destructive operations such as damming and gravel mining, thus preserving its scenic beauty and natural wild state forever.
Floating Season
The floating season on the upper Buffalo (Ponca to Pruitt) is March through June, with early July floating a possibility on occasion. The Buffalo is primarily dependent upon rainfall for its water level, so once the rains of spring and early summer have passed, so has the chance to float the upper section. (Hiking, however, is great year-round, as is trail riding!)
SPECIAL NOTE: As a river preservation measure, the National Park Service limits the number of rental boats that can be launched on any given day. Therefore, if you are planning a weekend float, it is wise to reserve your boat(s) in advance. For example, it is never too early to book a boat for a May weekend, which is the upper Buffalo’s most popular floating month.
River Levels & Safety
The Buffalo is rated Class I & II, meaning that it is typically suitable for paddlers of most any age and skill level (see Young Children note below). Floating is generally done in canoes, with rafting and kayaking possible when the water level is high enough. In the event of flooding, the National Park Service will close the river to boating.
RIVER SAFETY & YOUNG CHILDREN:
Children should be at least age 4 and able to swim before floating the Buffalo. Consider taking little tykes to one of the pretty local swimming holes (just ask us a local for directions). Small ones love playing in the sand and splashing about in the calm water’s edge rather than taking a long, uncertain canoe ride. If you need help determining if a float trip is right for a child or anyone else in your group, just call a local river outfitter
Float Trip Options
DAY TRIPS
The most popular float---and without a doubt the river’s most scenic---is from Ponca to Kyle’s Landing, a 10-mile float that takes between four and six hours to complete. When the water from Ponca to Kyle’s is too low to float, the day-trip launch site is moved downriver to the Pruitt access, where you float seven miles to Hasty. Check river outfitter websites for current river levels and launching points.
MULTI-DAY TRIPS
The most popular multi-day trip is the Ponca to Pruitt trip, a 24-mile float that takes a minimum of two days to complete. However, with 150 miles of Buffalo National River to explore, there are many ways to plan a multi-day trip. Call a local outfitter for expert assistance with planning an overnight float trip.
River Mileage
Here’s a handy reference chart of the most popular float trips. Please remember that the “Time Required” to complete a trip can vary somewhat due to water level, weather conditions, and the speed and skill with which you paddle.
River Trip # of Miles Time Required
Ponca to Kyle’s Landing 10 miles 4 to 6 hours
Steel Creek to Kyle’s 8 miles 4 to 5 hours
Ponca to Pruitt 24 miles 2 days (min)
Pruitt to Hasty 7 miles 4 to 5 hours
Pruitt to Carver 11 miles 6 to 7 hours
Pruitt to Woolum 26 miles 2 days (min.)
Boat Rental
BOATS & EQUIPMENT
Canoes, rafts, and kayaks are available for rent. Paddles and life vests are included in your rental.
SPECIAL NOTE: As a river preservation measure, the National Park Service limits the number of rental boats that can be launched on any given day. Therefore, if you plan a weekend float, it is wise to reserve your boat(s) in advance. For example, it is never too early to book a boat for a May weekend, which is the upper Buffalo’s most popular floating month.
HOW MANY BOATS YOU’LL NEED
When it comes to canoes, two adults per canoe is the recommendation. This allows for good balance and adequate room for gear. However, it is not uncommon for three small-frame adults or parents with one or two average-sized youngsters to share a canoe.
Most rafts can comfortably hold up to six people along with an average amount of gear. (Remember, rafting is highly dependent upon a good water level, so if the Buffalo is too low to raft you should consider a canoe.)
Launch Times & Sites
DAY TRIPS
Boats launch between 8:30 a.m. and Noon. This gives you plenty of time to complete your float before dark, and enjoy some hiking or picnicking along the way.
Launch sites for the Ponca to Kyle’s Landing float vary, depending upon water level and the day of the week. On Saturdays, the National Park Service requires that rental boats be launched at nearby Steel Creek. Otherwise, if the water level permits, outfitters launch at Ponca which allows two additional miles of floating, as well as the chance to float alongside magnificent Roark Bluff.
Glass, Trash, & Other Regulations
Glass containers are prohibited on the Buffalo River. And, ice chests MUST have the lids secured so that contents stay put in the event of a tipped canoe. Also, open beverages must be placed in a FLOATABLE holder, such as a can cooler.
At the launch site, you’ll receive a trash bag that will conveniently help you keep your boat and the river debris free. At the end of your trip, simply place your trash bag in a park waste can.
For more information about park regulations such as campfires, pets, backcountry waste, etc., contact the Buffalo’s National Park Service headquarters in Harrison, Arkansas.
Camping
The Buffalo National River is an outstanding float-and-camp river. The upper section offers several primitive camp sites with limited services.
CAMPGROUNDS NEAR PONCA
Lost Valley Small campground located at the trailhead to the Lost Valley trail; just 1.5 miles south of Ponca on Hwy 43; not a riverside campground; small travel trailers and campers can fit here (remember, no hookups though)
Steel Creek Large open camping area; located along the most scenic bluff on the Buffalo; also offers a horse camp for trail riders; just two miles downriver of the Ponca low water bridge
Kyle’s Landing Scenic camping 10 miles downriver of Ponca; great to use as an overnight spot for a multi-day trip
FEES: $10 per night per site
SERVICES: These sites typically feature a tent site, fire grate, picnic table, lantern hook, and pit or flush toilets common to all campers. A few sites have pay phone service. None of the sites offer electrical or waste hookups.
RESERVING A SITE: Camp sites are available on a first-come, first-serve basis.
CAMPING ALONG THE RIVER: You may camp anywhere along the river as long as you stay 1/2 mile below or above a designated campground (such as Kyle’s). While this type of camping is the ultimate outdoor experience, it also requires that you take special measures to protect the landscape. Contact the National Park Service at for complete camping/campground details and regulations.
chap1_mid4_heart_solution
Heart Attacks: What You Should Know
Amber Babroski
Heart Attacks: What You Should Know
According to the National Heart, Lung, and Blood Institute, about 1.1 million Americans have a heart attack each year. About 40 percent of heart attacks are fatal. Because heart attacks often happen about one hour after symptoms first start, people typically can seek medical care.
What is a heart attack?
A heart attack is caused by coronary heart disease (CHD). CHD occurs when the coronary arteries narrow, which decreases blood supply to the heart. A blood clot usually forms, which terminates blood flow. When this occurs, a person is having a heart attack. If not treated immediately, permanent muscle damage can occur, or the person can die.
What are the signs of a heart attack?
Some of the main signs of a heart attack include the following:
Uncomfortable pressure, pain, squeezing sensation, or discomfort in the center of the chest, typically lasting more than a few minutes.
Pain or pressure in the chest, upper abdomen, neck, jaw, or arms.
Lightheadedness, fainting, sweating, or nausea.
Heartburn or indigestion.
Increased or irregular heart rate.
Shortness of breath.
How can you reduce the risk of a heart attack?
Some factors, such as age and history of heart disease in a family are uncontrollable; however, you can take steps to reduce the risk of having a heart attack. Some of these steps include the following:
Stop smoking cigarettes. Cigarette smoking dramatically increases the risk of heart attacks.
Lower your blood pressure. High blood pressure forces your heart to work harder, which increases the risk of a heart attack. The optimal blood pressure is 120/80. To prevent or control high blood pressure, do the following:
o Lose extra weight.
o Become physically active.
o Follow a healthy eating plan, including reducing sodium intake.
o Limit alcohol intake.
Reduce high blood cholesterol. High blood cholesterol causes your arteries to become narrower, thus slowing down or blocking the flow of blood to your heart. To reduce high blood cholesterol, do the following:
o Eat healthy foods.
o Get plenty of physical activity.
o Lose extra weight.
Work toward a healthy weight. Being overweight or obese increases the probability of a heart attack.
Lead a physically active life. Physical activity helps lower your blood pressure and helps control high blood cholesterol. Increasing your physical fitness increases overall health, which can minimize the risk of a heart attack.
Manage diabetes. Diabetes damages blood vessels, which leads to heart diseases. Diabetics must adhere strictly to doctor’s orders to control the diabetes. Some guidelines for diabetics include the following:
o Eat at regular times each day.
o Take prescriptions as directed and at consistent times each day.
o Check your blood sugar level every day.
Sources
MedicineNet, Inc. (n.d.) Heart attack (Myocardial Infarction). Retrieved May 3, 2003, from http://www.medicinenet.com/Heart_Attack/article.htm.
National Heart, Lungs, and Blood Institute. (n.d.), Heart attacks. Retrieved May 3, 2003, from http://www.nhlbi.nih.gov/actintime/aha/aha.htm.
National Heart, Lungs, and Blood Institute. (n.d.), Reducing heart attack risk. Retrieved May 3, 2003, from http://www.nhlbi.nih.gov/actintime/rhar/rhar.htm.
TriGenesis Communications Inc. (n.d.). Heart attack symptoms and warning signs. Retrieved May 3, 2003, from http://www.heartinfo.org.
Amber Babroski
Heart Attacks: What You Should Know
According to the National Heart, Lung, and Blood Institute, about 1.1 million Americans have a heart attack each year. About 40 percent of heart attacks are fatal. Because heart attacks often happen about one hour after symptoms first start, people typically can seek medical care.
What is a heart attack?
A heart attack is caused by coronary heart disease (CHD). CHD occurs when the coronary arteries narrow, which decreases blood supply to the heart. A blood clot usually forms, which terminates blood flow. When this occurs, a person is having a heart attack. If not treated immediately, permanent muscle damage can occur, or the person can die.
What are the signs of a heart attack?
Some of the main signs of a heart attack include the following:
Uncomfortable pressure, pain, squeezing sensation, or discomfort in the center of the chest, typically lasting more than a few minutes.
Pain or pressure in the chest, upper abdomen, neck, jaw, or arms.
Lightheadedness, fainting, sweating, or nausea.
Heartburn or indigestion.
Increased or irregular heart rate.
Shortness of breath.
How can you reduce the risk of a heart attack?
Some factors, such as age and history of heart disease in a family are uncontrollable; however, you can take steps to reduce the risk of having a heart attack. Some of these steps include the following:
Stop smoking cigarettes. Cigarette smoking dramatically increases the risk of heart attacks.
Lower your blood pressure. High blood pressure forces your heart to work harder, which increases the risk of a heart attack. The optimal blood pressure is 120/80. To prevent or control high blood pressure, do the following:
o Lose extra weight.
o Become physically active.
o Follow a healthy eating plan, including reducing sodium intake.
o Limit alcohol intake.
Reduce high blood cholesterol. High blood cholesterol causes your arteries to become narrower, thus slowing down or blocking the flow of blood to your heart. To reduce high blood cholesterol, do the following:
o Eat healthy foods.
o Get plenty of physical activity.
o Lose extra weight.
Work toward a healthy weight. Being overweight or obese increases the probability of a heart attack.
Lead a physically active life. Physical activity helps lower your blood pressure and helps control high blood cholesterol. Increasing your physical fitness increases overall health, which can minimize the risk of a heart attack.
Manage diabetes. Diabetes damages blood vessels, which leads to heart diseases. Diabetics must adhere strictly to doctor’s orders to control the diabetes. Some guidelines for diabetics include the following:
o Eat at regular times each day.
o Take prescriptions as directed and at consistent times each day.
o Check your blood sugar level every day.
Sources
MedicineNet, Inc. (n.d.) Heart attack (Myocardial Infarction). Retrieved May 3, 2003, from http://www.medicinenet.com/Heart_Attack/article.htm.
National Heart, Lungs, and Blood Institute. (n.d.), Heart attacks. Retrieved May 3, 2003, from http://www.nhlbi.nih.gov/actintime/aha/aha.htm.
National Heart, Lungs, and Blood Institute. (n.d.), Reducing heart attack risk. Retrieved May 3, 2003, from http://www.nhlbi.nih.gov/actintime/rhar/rhar.htm.
TriGenesis Communications Inc. (n.d.). Heart attack symptoms and warning signs. Retrieved May 3, 2003, from http://www.heartinfo.org.
chap1_mid3_letter_solution
December 1, 2008
Mr. Ross Caselman
124 Poplar Street
Collinsville, IL 62234
Dear Ross:
Subject: Sales Tax Forms for the Gift and Craft Fair
Your application for holding a gift and craft fair on campus has been approved. The college administration commends student organizations that participate in fundraisers for charities. I’m sure the revenue your organization generates from booth rentals and admission should meet your goals for the fundraiser.
In accordance with the tax commission, all individuals who rent a booth at your event must register and pay sales tax on the items they sell to customers. Because the college works closely with the tax commission, our office has obtained the necessary paperwork for your organization to complete.
The enclosed temporary sales tax licenses need to be distributed to all persons who rent a booth at your event. Please make sure each participant receives the sales tax chart, sales tax forms, and return envelopes. Remind the participants that their sales tax forms and tax revenue are due by December 31.
As the organizer of this event, you are responsible for completing the master form that lists each booth renter’s name, address, phone number, and Social Security Number. This master form is due within seven business days after the event. In other words, your organization must return the master forms to the tax commission’s office by December 15.
Again, the college appreciates your efforts to generate funds for worthwhile charities. Someone from our office will definitely stop by during your event. Please call me at 555-7722 if you have any questions or need assistance in completing the tax requirements.
Sincerely yours,
Amber Babroski
Director of College Relations
Enclosures
Mr. Ross Caselman
124 Poplar Street
Collinsville, IL 62234
Mr. Ross Caselman
124 Poplar Street
Collinsville, IL 62234
Dear Ross:
Subject: Sales Tax Forms for the Gift and Craft Fair
Your application for holding a gift and craft fair on campus has been approved. The college administration commends student organizations that participate in fundraisers for charities. I’m sure the revenue your organization generates from booth rentals and admission should meet your goals for the fundraiser.
In accordance with the tax commission, all individuals who rent a booth at your event must register and pay sales tax on the items they sell to customers. Because the college works closely with the tax commission, our office has obtained the necessary paperwork for your organization to complete.
The enclosed temporary sales tax licenses need to be distributed to all persons who rent a booth at your event. Please make sure each participant receives the sales tax chart, sales tax forms, and return envelopes. Remind the participants that their sales tax forms and tax revenue are due by December 31.
As the organizer of this event, you are responsible for completing the master form that lists each booth renter’s name, address, phone number, and Social Security Number. This master form is due within seven business days after the event. In other words, your organization must return the master forms to the tax commission’s office by December 15.
Again, the college appreciates your efforts to generate funds for worthwhile charities. Someone from our office will definitely stop by during your event. Please call me at 555-7722 if you have any questions or need assistance in completing the tax requirements.
Sincerely yours,
Amber Babroski
Director of College Relations
Enclosures
Mr. Ross Caselman
124 Poplar Street
Collinsville, IL 62234
chap1_mid2_solution
All About Training
6262 Marketplace Boulevard; Nashua, NH 03063; (603) 555-6262
For more information contact: Debra Woltman
Personnel Manager
603-555-6262
Overview
All About Training is an established computer training company positioned to provide technological training to all levels of individuals. High‑quality training has become synonymous with our name. All About Training has over 150 offices scattered throughout the United States and Canada
Ideology
At All About Training we believe our product is knowledge. We also believe that knowledge is power. We know that technology provides the tools that businesses need to compete in the twenty-first century, and we know that we can deliver that knowledge, and along with it the power to succeed.
Proposal
To meet the training needs of a large and varied corporation such as yours, we have formulated a new and unique plan for delivering education. We propose the following methods:
On-Site
ü Small, hands-on classes held at your corporate locations
ü One-on-one instruction for specific individuals
ü All About Training trainers available in person to answer questions
Off-Site
ü Retreats held with the specific intent to provide training
ü Small, hands-on classes held at our state-of-the-art training facilities
ü Toll-free telephone support
Time Frame
We believe that training should commence as soon as possible.
Budget
We have taken in consideration budgetary concerns and we believe that we can produce stellar results within a moderate budget. We can supply some preliminary figures based on other, similar training missions we have conducted.
Proposed Budget | |
Miscellaneous | $5,000 |
Lodging | $15,000 |
Materials | $89,000 |
Travel | $150,000 |
Personnel | $200,000 |
Total | $459,000.00 |
Background Information
All About Training is currently responsible for corporate training at over 100 different clients throughout North America . Many clients are found on the Fortune 500 list. Although some clients choose to remain anonymous, a growing number are only two proud to endorse All About Training as playing a key role in their continued growth and success.
Testimonials are available from the following corporations:
ü Gadgets & Co., New York , NY
ü Patents R Us, Chicago , IL
ü Widgets and Doohickeys, Inc., San Francisco , CA
Financial Statement
All About Training is a publicly held corporation and is traded on the NASDAQ stock exchange under the symbol MMIX. In 2008, All About Training reported sales of over $5 million, with earnings of $1.3 million. Income is expected to increase by 10% in fiscal 2009.
Conclusion
This proposal is, of course, based on preliminary information. We would welcome the change to meet with you to discuss our services in person.
Last Updated On: January 27, 2011
Tuesday, January 25, 2011
chap1_mis3_solution
Health First Insurance, Inc.
1717 N. Zapata Way
Laredo, TX 78043
Amber Babroski
1305 Neck Rd.
Palmer, Texas, 75152
Dear Amber Babroski:.
Welcome to the Health First Insurance, Inc. We have received and accepted your application and premium for health insurance. Please detach and the ID cards attached to this letter and keep with you at all times for identification, reference and access to emergency phone assistance and Pre Notification numbers in the event of a claim.
Enclosed you will find a Certificate of Coverage detailing the benefits, limits, exclusions and provisions of the Health First Insurance, Inc. Medical Plan. Please review the Certificate of Coverage thoroughly and contact us if you have any questions regarding the terms and provisions.
In order for you and your dependents to receive adequate medical treatment and for your assistance, the Health First Insurance, Inc. Medical Plan requires any insured (or someone on their behalf) to Pre-notify Health First Insurance, Inc., for any hospital admission prior to admittance (or within 36 hours after an emergency admission). Additionally, the Health First Insurance, Inc. Medical Plan requires all insured to utilize the provider network.
We appreciate your confidence in our organization and look forward to serving your insurance needs.
Sincerely,
Maria Fernandez
Agent
Health First Insurance, Inc.
1717 N. Zapata Way
Laredo, TX 78043
Amber Babroski
1305 Neck Rd.
Palmer, Texas, 75152
Dear Amber Babroski:.
Welcome to the Health First Insurance, Inc. We have received and accepted your application and premium for health insurance. Please detach and the ID cards attached to this letter and keep with you at all times for identification, reference and access to emergency phone assistance and Pre Notification numbers in the event of a claim.
Enclosed you will find a Certificate of Coverage detailing the benefits, limits, exclusions and provisions of the Health First Insurance, Inc. Medical Plan. Please review the Certificate of Coverage thoroughly and contact us if you have any questions regarding the terms and provisions.
In order for you and your dependents to receive adequate medical treatment and for your assistance, the Health First Insurance, Inc. Medical Plan requires any insured (or someone on their behalf) to Pre-notify Health First Insurance, Inc., for any hospital admission prior to admittance (or within 36 hours after an emergency admission). Additionally, the Health First Insurance, Inc. Medical Plan requires all insured to utilize the provider network.
We appreciate your confidence in our organization and look forward to serving your insurance needs.
Sincerely,
Maria Fernandez
Agent
Health First Insurance, Inc.
chap1_cap_solution
Business Plan
Far East Trading Company
Far East Trading Company (FETC) imports exclusively handmade rugs by artisans from all over the Far East. The firm's main office location is 1879 Columbia Ave. Portland, Oregon, and has a customs house broker in Seattle, Washington.
FETC quality products are unique and exclusive, and its target consumers are women with upper-middle to upper-end incomes. FETC's competitive edge is that the products are 100% handmade, unlike competitor's products. By this fact, the firm hopes to attract people that value the artistry of producing silk rugs. Since FETC products are mostly silk rugs, it considers itself to be in the home improvement retail market.
For the starting year 2008, the company plans to attract manufacturer reps and retailers to distribute the products by attending the Weaver’s trade show in Chicago, Illinois. This trade show is where suppliers of ilk rugs and other woven products and buyers meet and arrange deals to sell the product. FETC projected sales are approximately $1.1 million by the end of the first year of operation. Also during this year, FETC plans to open an exclusive home furnishing shop for our product in Seattle at the Fifth Street Public Market, leasing for five years.
For the following year, the company plans to expand to direct mail catalog sales by being in an established catalog, with a similar target market. FETC projects sales of $1.5 million in 2009. During the third year, FETC plans to do both selling through suppliers, catalogs, and the exclusive furniture store in Seattle, projecting sales to be nearly $2 million.
The FETC family will expand in 2008 by adding 10 different kinds of rugs. Maintaining an average gross margin of 25 percent very is realistic. The projected rate of annual growth in sales is 25 percent.
FETC's mission to become a recognized importer of artisan quality rugs in the United States. The company guarantees 100 percent customer satisfaction and values friendly service.
FETC's purpose is to increase customer appreciation of handmade rugs and to provide customers with beautiful unique artistic decorations.
Keys to success for Far East Trading Company are:
Product quality
Customer service
Access to manufacturers and distribution channels
Controlling fixed and variable costs during first two years
Far East Trading Company imports silk rugs from artisans in the Far East and distributes the products to customers in the United States. The customers are retail stores and wholesalers who want imported silk rugs, targeting women in middle-upper to upper-end income as the end user of the products.
Far East Trading Company is a privately held Portland corporation. Patricia Yang, FETC's founder, is the majority owner. Several members of the board of directors also hold minority stock positions.
Start-up costs are approximated at $250,000, which primarily consists of product costs and expenses associated with establishing a marketing program and opening up FETC's first distribution center.
FETC's headquarters are located in 1879 Columbia Ave. Portland at the founder's home, Portland, OR 97440. It will also have a 600-square foot retail store at the Seattle Fifth Street Public Market, which will serve as both an outlet and test market.
3.0 Products |
FETC imports silk rugs. These rugs provide consumers with a wide variety of product styles and allows for individual customization of orders.
Far East Trading Company has a variety of silk rugs in various colors, sizes, and patterns.
Far East Trading Company products contain these features that distinguish them from those produced by competitors:
FETC products are 100 percent handmade by Far Eastern artisans and are then imported into the United States, which will be emphasized in all marketing efforts.
Currently, the market for hand woven rugs is rapidly expanding.
FETC focuses on providing high-quality products to consumers with outstanding service. Customization of orders and specialization of services will create a competitive advantage.
FETC is developing the organization by beginning with few employees to reduce costs. All current employees are very motivated, resulting in a positive and strong company culture. This culture will carry over to all new trainees, which is a prime objective for the expansion of FETC.
The first year of service will be the most important, as FETC plans to establish strong relations with both suppliers and buyers. These relationships will help FETC to grow and evolve in this industry.
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