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CHIP THE by Devon Pitlor
-1
I. After my fathers burial
Kerry had a wrinkled pack of what passed in Harmonia as
cigarettes. He pulled out the end of one and automatically
twisted it so that what passed in Harmonia as tobacco didnt
fall out. Then he extracted the brown-stained little cylinder
from the pack and twisted the other end. He put the cigarette
in his mouth, lit it with book match and blew a huge smoke
ring over my head, just the way he had done when we were
kids. Despite the long absence, Kerry was still the tormenting
brat of a little brother I had always known. Anything that
would jolt my nerves was fair game for Kerry, even at Daddys
funeral.
We sat at a picnic table near the freshly covered grave and
stared at one another. Mom was in a home and had no idea
anymore of who we were, and now Daddy was in the ground.
A mutual and longstanding dislike welled up between Kerry
and me, but we still had understandings between us, as
brothers and sisters do. Glancing furtively at Daddys grave,
we both knew what the other was thinking: Daddy was much
happier now wherever he was, much happier than he had ever
been in Harmonia. Daddy had the wrong memories and had
been, as they say, too old to forget and change.
A small, perfunctory three piece band stood by Daddys
gravesite and hastily blew out the fractured notes of the
Harmonian National Anthem. Then they saluted briefly to us
and were gone.
Kerry blew some more smoke in my direction and looked at
my notebook.
Still writing your memoirs, I see, he smirked. You know
thats illegal if it is what I think it is.
I stared defiantly at Kerry and said I dont care. I said that
the relatives that we had never seen in Free Vineland might
like to read about us someday. I said that I enjoyed writing
rememberingtrying to capture what it was like growing up
in Harmonia with pre-bloc parents and an obsessed if not
foolish father.
You can put a lot of good shit in there about the old boarding
house, said Kerry. They dont have boarding houses in Free
Vineland. Bet all that stuff about Mrs. Tallmyer and her
cooking and gossiping would keep them entertained for hours.
They say that they have more than one channel on the TV up
there and that just about every family has a computer-thing
and some games to go with it. When are they going to find time
to read about this dump?
Kerry blew some more smoke and stood up. He took one last
look at Daddys grave and flicked the end of his cigarette over
onto the fresh dirt. Silly man, he muttered, silly man. Im
leaving, Katie. I have the early shift at the plant tomorrow.
See you around.
Kerry held out his hand but I looked in the other direction. I
was thirty years old and unmarried. I had my own boarding
house to run now, single men, families and children to cook for.
I was only on short leave because of Daddys burial. Kerry
shrugged and walked off, shoulders hunched. His long,
calloused hands dangled from his tattered sports jacket just as
Daddys had whenever Daddy had been forced to dress up.
Kerry used his hands to lift heavy objects just like Daddy
always had. But he would never admit to being like our father
because he and I were, thankfully, post-bloc kids, and we knew
how to stay in our places---something which Daddy had never
learned.
II. A pivotal day in my memoirs.
They needed a beginning because I was not going to tell about
the sordid history of Harmonia. It was a personal narrative
about our family and I chose the worst day of my life as the
centerpiece of the story. Surely, the so-called relatives in Free
Vineland would appreciate that personal touch more than
reading some drab history of the Partition that they could see
in any history book. I chose the day---the second day---that
Daddy had won the Chip. It was a day that made me very
angry to look back on and therefore a good place to start.
Anger drives the pen.
III. The Chip
Daddys turn came up to win the Chip, and, as usual, he had a
plan. Mom, Kerry and I couldnt see it coming right then, but
everyone else at the Cove did, especially Jacob the mechanic
who first accosted Daddy in the boardinghouse driveway as
Daddy returned triumphantly from the plant, where after eight
years---completely as scheduled---Daddy had just collected one
hundred thousand dollars on the Chip. Of course, it wasnt all
that much, but Jacob, always the Coves watchdog and
peacemaker, wanted to avert tragedy. I stood silently by, a girl
of 14, and listened to Jacob attempt to reason with Daddy.
The Buick wont make it, Jacob said. You need too many
repairs, little things like wiper blades, which I cant get, and an
oil change, which might be possible but a little tricky.
Excuse me, Jacob, Daddy said as he pushed his way past the
mechanic and into the main sitting room. I have my plans
made.
Jacob continued, talking to Daddys back. Zachary, why not
take a few days off? They let you do that when you win the
Chip. Stay in the house. The television isnt blacked out
during the day, and you can watch a few games. Hang around
here, and Ill rustle up the parts for you. Your Chip money will
be well-spent, and youll have a little left over by the time I
finish the Buick. You and the family can spend a day in the
inland hills and have a picnic.
Money in hand, Daddy pretended not to hear Jacob and closed
the door behind him. Hed been waiting patiently for his Chip
win since the last time, and I suddenly realized that Mom and
maybe even Kerry, Dads favorite, knew something about his
plans. I drifted into Mrs. Tallmyers dining room close to
Daddys accustomed place setting, which Mrs. Tallmyer, the
boarding house keeper and cook, was deliberately avoiding.
Mrs. Tallmyer bustled about in her usual manner excusing
everyone for the meal which was as usual a few minutes late.
Bloc stew steamed in huge pots in her cluttered kitchen, but we
all knew she would have none for Daddy that day. It was now
clear that he had shared his plans with nearly every boarder
weeks before. The Chip was very predictable. Every plant
worker knew approximately when his turn would come, and
among the boarders, I had heard a lot of hushed conversations
over the past few days. It was all about the other residents
trying to warn Daddy. Cottage Cove people at least made a
pretense of sticking together.
Inside their bedroom, I heard Moms muffled voice pleading.
She couldnt do much better than Jacob. I did not catch it all,
but I did hear her exclaim several times that the hundred
thousand dollars wasnt all that much. Chips keep getting
smaller all the time, she shouted at one point. But her vain
reasoning trailed off into what sounded like sobs and probably
were. The door sprang open and she sighed in exasperation
Youre going to go, and youre going to drag us with you!
Not drag, Daddy snarled. I have the three-day passes they
require. Remember were doing this for the kids.
Mom caught her face in her hands, turned around and started
throwing some clothes into an overnight bag. I could see her
from the hallway. She looked desperately at me watching her.
Im packing one days worth, she mumbled, regardless of
what he says.
No blocs, Daddy bellowed from the common room. They
execute you on the spot for that.
IV. A dinner missed
I heard the somber sounds of our fellow boarders shuffling into
the dining room for the evening meal. Gradulations, Zack,
stammered Mr. Pooler with marked hesitation. I knew your
day was coming. Not a big pot this time, I guess, he added
clinking his silverware as he always did to alert Mrs. Tallmyer
that he was ready to eat. You be careful now, Zack,
cautioned another young single boarder who had recently
moved in and who worked in some office where they didnt run
the Chip. When you leaving? inquired Jacob the mechanic,
washing his hands at the sink.
Right now, said Daddy, standing beside the door to our
double rooms. Kerry and Katie are home, and weve got an
hour or two of daylight for the bridge. Shanas packing our
stuff. We might not be back His voice trailed off painfully,
full of doubts. The die was cast.
V. The bridge
Kerry, whom Daddy had picked up on the way home from the
plant was already sitting in the back seat of the Buick ready to
go. He had no idea, no memory (as I had) of what was coming.
He would slide into the front seat as soon as we got on the road.
He was as selfish and self-centered as a little brat brother could
be. Kerry offered no surprises. By age eight, his routines were
already set. Teasing me was at the heart of his agenda.
Trembling and worried, Mom and I got into the car. A harsh
late winter afternoon sun illuminated the entire Cove and its
grounds and silhouetted the almost silent ring of boarders
poking languidly at their variously prepared blocs at the huge
circular dining room table. Inside, I could see Mrs. Tallmyer
bustling about serving from large pots. Our places were
vacant.
Daddy wasnt talking much as he lurched the Buick out of the
cul-de-sac and onto the bridge road. When he finally did say
something, it was to Mom. We were not meant to hear it, but it
was something like Gotta do this. Spring had almost come
to our town and tiny yellow buds were adorning the bare trees,
but none of us noticed. Our eyes were set straight forward
toward the bridge which arched like an immobile gray tentacle
over the near horizon. On the other side lay Saint-James with
its happy darkies, as everyone said. As the bridge neared,
Kerry mechanically said happy darkies for no good reason
other than he had heard it all his life. Shhh, said Mom.
Thats an insult. We dont want to say something to make
them mad. They are nice people and just like you and I,
except
Dad cut her off with a hand on her leg. She concluded by
saying Lets be super nice. You know they dont want us
there, anyway.
Who could blame them? muttered Daddy, pushing the car
forward with even greater resolve. The bridge grew larger in
our view.
Is it true that I was here before? chirped Kerry. I mean
like when I was too young to remember?
Yes, Mom said in a dry tone that meant to stop him from
asking questions. It didnt work.
Is it true that I wet my pants and puked all over? I bet Katie
did the same. Shes got no guts.
Mom looked out the window and ignored the comment. Kerry
slid between the front seats and sat on the dash console
between our parents. I want to see the bridge better, he
announced. Besides, Katie has cooties. Ahead the huge
bridge became darker and more frightening, like some strange
growth that was warning us away from an unseen but totally
predictable danger.
VI. The border
As the signs warning of the impending border grew more
frequent and the guarded bridge gate came into view between
rows of dirty warehouses, Daddy pulled over to the side of the
mostly deserted street. Bloc check! he said. Are you all
absolutely certain you have no blocs, not even the tiniest piece?
Theyll shoot you for that.
Even kids? said Kerry. I thought they were happy darkies.
Stop saying that! shouted Mom, her voice strained with
tension. No, Zack, theres no blocs unless one fell out of your
lunch into the car today.
I paid a kid ninety bucks to clean the car, said Daddy, and I
personally checked it over myself, under the seats and all. You
can be sure theyll look or have the dogs sniffing.
A few dour looking Harmonia government guards drifted
around the bridge barrier waiting for our arrival. They were
slovenly dressed and a couple leaned on their rifles like
walking sticks. Looks like we have the bridge to ourselves,
said Daddy, grasping for something positive to say. Two of the
guards, mere boys, one of whom went to an upper grade in my
school, approached the car and asked for our passes, which
they hardly glanced at. Nice day to cross, said one. No
wind.
Yeah, said the other, they say it drives some people over
here crazy when you can smell their cooking. Both boys
chortled in laughter.
What would you know about it? snapped Daddy. You
werent even around when
Forget it, mister. Eat your blocs. Put some ketchup on them
or something. Both teenage guards laughed heartily.
Ketchup was still a big joke. pre-bloc The generation
apparently used it. My father never joked about ketchup.
Neither did Mom. They were pre-bloc kids, or so they always
told us. Pre-bloc kids didnt laugh about ketchup.
Daddy drove several yards to the next checkpoint and stopped.
One of the boys called out something about roast beef which
was drowned out by the others sporadic bursts of laughter.
An older crossing guard came out with a sheet of printed
regulations, things about what you could or could not bring
back. Food of any kind was totally forbidden. The man eyed
us casually.
Bridge closes at ten PM, he grunted. Suppose you know
that. After that you gotta go up ten miles to the trade bridge.
They keep it open all night for trucks. Cant limit foreign
trade, can we? If you need to come back that way, he
continued, squinting suspiciously at us, theres an all night
diner just off the road. Remember that. Run by an old gal
called Ruthie. Suppose theyll call her Saint Ruthie some day.
Shes saved many a traveler like you folks. Watch for her sign.
It blinks. With that, the older guard motioned us forward.
Good luck, he added reluctantly as if he really didnt mean
it. Stay away from the ketchup.
Neither Daddy nor Mom acknowledged the remark.
VII. Saint-James
The barrier purred with electric charge and lurched upward
and open. The bridge, like an enormous artificial hill, spread
before us. Kerry said something about skiing. Daddy stared
straight ahead and accelerated. About one hundred yards up,
the bridge leveled into its main span which crossed over a dirty
stream far below. I wonder why they made it so high? said
Mom to no one in particular. Farther along, a bright neon sign
flashed on especially for us:
WELCOME TO THE REPUBLIC OF SAINT-JAMES.
FOLLOW ALL POSTED REGULATIONS. IMPORTS
CLOSELY MONITORED.
Under this someone had scrawled in lemon-green paint NO
BLOCKS!!!!
accentuated by a badly drawn skull and crossbones. We
dont use a K in that word, said Kerry as if hed already
found a fatal flaw in Saint-James. They cant spell.
Why would they want to spell that awful word? said Daddy.
Kerry had no reply. A minute later he said ketchup and
spelled it correctly letter by letter.
We eased down the other incline of the bridge into SaintJames, still the only car on the bridge. Black (or Lost African
as they preferred to be called) soldiers in neat blue uniforms
were everywhere. They carried guns, but seemed happy, jovial
and welcoming. One of them approached with a dog on a
leash. Like the others, the dark-skinned man was grinning
cheek to cheek. Happy darkies, whispered Kerry.
Daddy pulled the Buick where he was directed onto an orange
rectangle and jumped out, motioning for us to do the same.
The soldiers surrounded him. One shook his hand. Come for
dinner? he said pleasantly. A small German shepherd rushed
through the inside of the Buick, sniffing everywhere, finding
nothing. It ran out one of the back doors and returned to a
mat where it had previously lay gnawing a fresh bone. It
whined and rolled its sad eyes at us.
They get a little reward if the soldier began, but cut
himself off with a smile.
Yeah, said Daddy. Well, he wont get a reward off us.
Were good tourists.
Another friendly black soldier came over and offered us a list
of restaurants. Some of them arent too close, he said. You
may have to drive a bit. Theyre all in hotels.
Ive got a reservation, said Daddy.
I was unaware that he had made one. The Painter House, he
continued.
Right up the street, said another of the soldiers. Lindas
place. Grills steaks and makes beef stew and the best mashed
potatoes that Well, I guess for you any mashed potatoes
would do.
Daddy nodded his head. I suddenly saw great pity in the
soldiers eyes. Want to see our passes? Daddy asked. No,
said one of the soldiers. Youre free to stay here as long as
you like.or can. Dont let your money run out. We dont do
welfare, and things are a little more expensive here.
And well worth it! Daddy exclaimed with a broad smile that
beamed a little about finding new freedom.
Lindas a fine woman and a good cook, the soldier said.
Shell take care of you. But remember, shes not a nurse.
VIII. The Painter House
The Painter House, owned and operated by one Linda Newell,
was only a five minute drive up the road. Its lights shone
brightly in the failing dusk which had fallen over what was a
cheerful looking little town of neat brick houses and
fascinating aromas. Theyre all cooking, Daddy said. All
cooking whatever they want, and it aint blocs! Another
massive neon sign blinked ahead:
SAINT-JAMES, GATEWAY TO THE GULF OF MEXICO.
ENJOY YOUR STAY.
Music of several sorts filtered out of the hotel. The mellow
sounds of ice clinking in glasses and spirited conversation filled
the air. The rich smells were unfamiliar but inviting. Its all
food, said Daddy. They have a menu here, lots of choices.
I have no idea what to eat, said Kerry. Thats why I have
parents.
Pre-bloc parents, added Mom, her first words in a while.
Inside the Painter House, an affable desk clerk showed us our
room, which had two king sized beds and a telephone. She
dropped the scribbled address of a doctor by the phone and
shrugged her shoulders, always smiling. She invited us to come
to the dining room whenever we were ready. Were serving
till midnight, she said, leaving and closing the door behind
her. Kerry said something about being hungry but wanted to
swim in the pool first. Mom shook her head dolefully. We
cant do that, she said. We have to eat first. Then you can
swim until the pool closes.
If I can, said Kerry. He knew all about the problem. And I
had half thought he didnt. It was, of course, something they
never failed to teach in school.
We descended a big flowing staircase into the dining room. A
bald saxophonist was blowing notes all over the place, big
heavy notes from a tune I couldnt piece together. He was
overweight and swatted large drops of sweat off his slick
forehead. His eyes fixed on us for a moment, and he lifted his
instrument as if to say Welcome and good luck.
We were the only non-Africans in the room, and I sensed that
they were going to make a fuss over us, but I didnt know how
much. Linda herself, a portly woman with a deep motherly
grin appeared in a slightly food-soiled apron. A man at the
table next to us laughed and said Its just show. She hasnt
cooked in years. Suppose she samples everything though. He
returned back to a stack of steaming green vegetables that I
was unable to identify. Next to him a pretty woman sawed
hungrily at a large brown chunk of what I presumed to be
meat. She shoved a hunk of it in her mouth and smiled warmly
at our table. Mmmmmgood, she said with genuine
pleasure and not a hint of malice. She wanted us to eat and
even went as far as to proffer a little dish of mashed orange
vegetables and gravy our way. Daddy politely declined.
Linda came over to us and said, with no introduction, that she
had two surprises. First, she laughed, your meal is free--and I dont want any argument about that. And second, Ive
got prime rib, mashed potatoes, mixed greens, red-eye gravy
and hot pecan pie. You can pay for a cocktail if you want one.
Does anyone want something different? Linda put her hands
on her substantial thighs and waited for an approval.
Daddy, looking thin amidst all the hearty eaters, thanked
Linda and assured her that her prime rib would be just great.
A worried look crossed his brow, a look which Mom and Linda
noticed at once. You gave us a free meal last time, he said
quietly. That was about seven years ago.
Cant remember, said Linda. But tonight you eat for
nothing again. Bon appetit.
Is that when I puked all over? Kerry asked, looking around
for a laugh which didnt come. Mom just whispered a weak
Shhh.
Youll be all right this time, said Linda unconvincingly.
People changeadjust, or so they say. She strolled across
the dining room floor and massaged the broad shoulders of
another customer, who hardly took his eyes up from a plate
piled high with food that I couldnt name. The saxophonist
came down from his raised platform and blew a sallow note or
two next to our table. I noticed that he had a shining row of
gold teeth. They seemed very pretty.
We sat in silence until our meal arrived, big hot dishes of
things with thrilling aromas, smaller plates steaming with
multi-colored substances. Dad quietly named them on arrival:
End cut prime rib with brown gravy, mashed potatoes with
butter and bacon bits, steamed asparagus, fresh baked corn
bread, collard greens and vinegar. And later: Hot pecan pie
with vanilla ice cream.
Then a dusky soloist accompanied by a clarinet player sang a
soulful song about long-ago suffering. I was hungry and
wet, she crooned. The mood seemed right. We ate and ate. It
was beyond delicious. It was food. Good food.
Daddy patted his stomach. Mom whispered something about a
tip. Daddy said he still had lots of Chip money and that a tip
of twenty thousand dollars would not be out of line for such an
excellent meal. Both parents looked sad but seemed distantly
content. Their eyes told me that they were remembering things
that we would never know about, old half-forgotten things. At
one point Mom made a little joke about not needing ketchup.
Only Daddy laughed.
IX. Conclusion
It started when Kerry got back from his swim.
Mom and Daddy were sitting side by side on the little couch in
the room. For a few moments they were holding hands,
something I had never seen them do before. Then a television
program about flying dogs seemed to absorb them. I read a
school magazine in a soft chair by the window. The sounds of
happy laughter from below wafted upward into our room. I
glanced at my parents and suddenly realized how thin they
both were. It had taken a trip among the happy darkies of
Saint-James to remind me. We were all thin.
Kerry came dripping into the room. Im sick, Mom, he
groaned. My stomach is killing me, and I have cramps.
Maybe you swam too much, Mom said, worried. Daddy
grimaced and said nothing. It was then that my fingers felt
frozen. I dropped the magazine and nearly blanked out when I
bent to retrieve it. My sides started throbbing, and every
square inch of my skin blazed with the fire of deep pain. Little
grains of flashing light danced in front of my eyes, and I
shivered uncontrollably, alternately hot and cold. Through the
sudden agony I noticed that Daddy was kneading his stomach
fiercely. Mom was rubbing her forehead. Kerry staggered into
the bathroom and wretched without ejecting food. Im
hungry, he gasped. I need to eat.
Mom looked like a caged rat. Her eyes darted back and forth
as she rubbed her head harder and harder. Daddy vomited
beside the couch and curled over in a spasm. In minutes, we
were all three prostrate on the floor writhing in hunger pangs,
hunger for the one food on earth on which our society was
founded: blocs---the artificially manufactured, totally
abundant substance that our government had introduced after
the Partition and the Great Famine. Kerry and I knew nothing
else, despite the longings of our parents for real food, despite
the ketchup they supposedly once used to overcome the
blandness of the original blocs. Blocs, though nutritious, were
totally addictive, and once a regimen of them was established,
nothing else could ever replace them again, not Lindas prime
rib or candied yams, not any of the other exotic delicacies from
before the Partition.
Green with illness, queasy and hovering near unconsciousness,
stricken with hundreds of vague pains and in the grip of a
mind-numbing malaise, we crossed the trade bridge. Daddy
swerved and veered as he hunched over the steering wheel of
the Buick and nursed us back into our own land.
At three that morning, we sat staring at one another and
quietly moaning until Saint Ruthie---shed already gotten the
name---brought us heaping plates of blocs. Saint or not,
Ruthies overnight prices were not cheap, and when Daddy
requested a bottle of ketchup, he gave out the last of his Chip
money.
_________________________///
Devon Pitlor -- August, 2009
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Demographic:Since the baby boom generation who for years drank beet but are now moving toward winesdue to published studies regarding the health benefits of wine and the baby boomer desire tomaintain a healthy life style, the younger generation ( 30 an
CSU Fullerton - MKTG - 464
Demographic:Since the baby boom generation who for years drank beet but are now moving toward winesdue to published studies regarding the health benefits of wine and the baby boomer desire tomaintain a healthy life style, the younger generation ( 30 an
CSU Fullerton - MKTG - 464
Key Success FactorsA motivated partner. Important place in portfolioProduct qualityPremium pricingHighly selective on-trade distributionHigh quality service (focus on draught, right temperature, branded glassware). Staff-trainingor brand-championPr
CSU Fullerton - MKTG - 464
Key Success FactorsMass produce same ingredients at any facility around the world lowers operating expense selective network distribution with other strong local brandsGlobal expansion has allowed Heineken to reach international market brand positionin
CSU Fullerton - MKTG - 464
CSU Fullerton - MKTG - 464
CSU Fullerton - MKTG - 464
SBI Consulting Report forePVisionOrganizational Structure(Rough Draft)ByJoAnna McDonaldIntoductionWhat is an Organizational Structure?An organizational structure defines how job tasks are properly divided and coordinated. Thesestructures are nece
CSU Fullerton - MKTG - 464
TheIndustryandtheCompanyandIt'sProductsorServicesTheIndustryTheCompanyandtheConceptTheProductorServiceEntryandGrowthStrategyMarketResearchandAnalysisSummaryCustomersMarketSizeandTrendsCompetitionandCompetitiveTrendsOngoingMarketEvaluationMarketS
CSU Fullerton - MKTG - 464
4.0MarketAnalysisSummaryAJsExtremeSportsBarandGrillwillbetheonlymultisportcomplexofitskindinallof theDenver,Coloradocounty.Someaspectsofthefacilitywillcatermainlytothe Cityofresidents.Otheraspectshowever,willappealtoeveryoneinthe vicinity.Becauseofthe
CSU Fullerton - MKTG - 464
California state university, fullertonRetail auditgrocery storelayout, design, & marketingMarketing 425retail and marketing cchannel strategiesdr. formanesther morterojennifer trinhjosephine miaomorganmichael chautable of contentsretail audit
CSU Fullerton - MKTG - 464
HI, I've copied and pasted this to a Word document to format. I will email you once I finishformatting. Please do not make any changes to this document since I won't know that you've addedparts. Please email me and I will add to the Word doc. Thanks ~Ch
CSU Fullerton - MKTG - 464
QuestionsFromaConsultantAsaprecursortoyourinitialmeeting,Ivewrittendownsomethoughtsbelowandattachedsomedocuments thatmayprovehelpfulforthisclassandfutureengagements.Firstandforemost,dosomebackgroundresearchtoincreaseyourprobabilitytolendvalueandtocreat
CSU Fullerton - MKTG - 464
CSU Fullerton - MKTG - 464
MESSAGEBOARD:2/20UploadedFirstInterviewNotes(Esther'scopy) o feelfreetoaddwhatevernecessaryo Rosswilltrytouploadcopyoftheinterviewsession 2/21EngagementLetters(Draft)DUE.2/21TimeLogUploaded(SeeBelow)2/21allocatetopicstoteamsandfinalizeengagementlett
CSU Fullerton - MKTG - 464
Strategy what is their current strategy?Short term: expand presence globally with acquisition of local / national breweriesLong term: build Heinekens reputation as premium brandFocuses on building the long-term future of our brands and businessKey foc
CSU Fullerton - MKTG - 464
Management Requirements/Competencies:MarketingMarket research and evaluationMarketing planningProduct pricingSales managementDirect sellingService managementDistribution managementProduct managementNew product planningOperations/ProductionManu
CSU Fullerton - MGMT - 461
(By Esther Mortero)Competitive Analysis1.Current ProductsProduct AttributesDescribe the main product features, major benefits received by those using theproduct, current branding strategies, etc.oPricingoDescribe pricing used at all distribution
CSU Fullerton - MGMT - 461
INTROAllenChangisownerofthreeoverlappingbusinessentities.ePBoard,acomputerchipandmotherboard designcompany.Founded1999,ithasnowgrowntoafullyoperationalcompanysince2002.Basicservices offeredbyePBoardBoardDesignincludeproductengineering,prototypedesign,a
CSU Fullerton - MGMT - 461
TargetMarketMARKETINGPLANStrategicPlanningisthemanagerialprocessofdevelopingandmaintainingatightfitbetweenacompany's objectivesandmarketopportunities.Thegoalofthistypeofplanningislongtermbusinesssuccess,via profitabilityandgrowth.Theumbrellaofstrategi
CSU Fullerton - MGMT - 461
1.)createmission:developstrategy:planwhere/whentacticalsteps:planfordifferentdepartments(fromhighlevel)startcollectingdatafromcustomers >analyzetodocumentresultsandforecast/trend=umbrella(seeimage)knowbusiness;knowtargetmarket;knowfutureplans;knowcur
Georgia State - FINANCE - 4000
FI 4000Chapter 6Diversification and Portfolio Risk: Section 6.1PortfolioA portfolio is a collection of assetsAn assets risk and return is important in how it affects the risk and return of theportfolio.The risk-return trade off for a portfolio is m
Georgia State - FINANCE - 4000
FI 4000Chapter 6Optimal Risky Portfolio with a Risk-Free Asset: Section 6.3In section 6.2, we have discussed the optimal asset allocation problem between two riskyassets. In this section we discuss the asset allocation problem to include a risk free a
Georgia State - FINANCE - 4000
FI 4000 Sec 005Chapter 7The Capital Asset Pricing ModelThe capital asset pricing model (CAPM) predicts relationship between the risk andequilibrium expected returns on risky assets. The CAPM was developed by Treynor,Sharpe, Linter, and Mossin in the
Georgia State - FINANCE - 4000
FI 4000Chapter 13Equity ValuationPrice Earnings Ratio: Section 13.4Price-Earnings Multiple: The ratio of stock price to its earnings per share. This iscommonly known as P/E ratio.One common approach of valuing a firm is to use an earnings multiplier
Georgia State - FINANCE - 4000
FI 4000 Sec 005Chapter 15Options MarketsDerivative Securities:These are the securities whose prices are determined by the prices of other securities.These assets are also called contingent claims as their payoffs are contingent on theprices of other
Georgia State - FINANCE - 4000
FI 4000Chapter 16Options MarketsBinomial Option Pricing ModelAn option valuation model predicted on the assumption that stock prices can move to only twovalues over any short time periodTwo State Option PricingProblem 1Suppose current stock price
Georgia State - FINANCE - 4000
FI 4000Chapter 17Futures MarketsFutures Contract: Section 17.1Forward ContractA forward contract is an arrangement calling for future delivery of an asset at anagreed upon price.A forward contract protects each party from future price fluctuations.
Georgia State - FINANCE - 4000
FI 4000Capital Allocation LineAsset Allocation across Risky and Risk-Free Portfolios: Section 5.5In this section we discuss asset allocation between risk free asset and risky asset. That isproportion of portfolio investment to place in risk-free money
Georgia State - FINANCE - 4000
FI 4000Risk and ReturnRates of Return Section 5.1Rates of Return: is defined as dollar earned over the investment period per dollarinvested.Holding Period ReturnThe total holding-period return (HPR) of a share of stock depends on the increase (orde
Georgia State - FINANCE - 4000
FI 4000Chapter 10Bond Prices and YieldsBondCorporation or government borrows money from public by issuing or selling debtsecurities that are called bonds. It is a security that obligates the issuer to make specifiedpayments to the holder over a peri
Georgia State - FINANCE - 4000
FI 4000Chapter 11Managing Bond PortfoliosSection 11.1: Interest Rate RiskThe sensitivity of bond prices to changes in market interest rate is the interest rate risk.ExampleIf a bond is issued with an 8% coupon when competitive yields are 8%, then it
Georgia State - FINANCE - 4000
FI 4000 Sec 005Chapter 8Efficient Markets and the Behavioral CritiqueBehavioral Interpretation: Section 8.4Behavioral Finance: Models of financial markets that emphasize potential implications ofpsychological factors affecting investor behavior.Conv
Georgia State - FINANCE - 4000
FI 4000 Sec 005Chapter 8Efficient Markets and the Behavioral CritiqueRandom Walks and the Efficient Market Hypothesis: Section 8.1Random Walk: The notion that stock price changes are random and unpredictable.Efficient Market Hypothesis: The hypothesi
Georgia State - FINANCE - 4000
Formula SheetFI 4000 Sec 005Exam 2NameNet Present ValueNPV = - Initial Investment + Present Value of Future Cash FlowsPV =FV(1 + r ) tAnnuity Calculations11 (1 + r ) tPV = C rCAPME ( Ri ) = R f + i ( E ( Rm ) R f )Reward-to-variability rat
Georgia State - FINANCE - 4000
Formula SheetFI 4000 Sec 005Exam 1NameFuture ValueFV = PV (1 + r ) tPresent ValuePV = FV /(1 + r ) tAnnuity Calculations11 (1 + r ) t PV = C r (1 + r ) t 1FV = C rEAR - Formulam APR EAR = 1 +1mComputing APRAPR = m (1 + EAR)1m- 1
Georgia State - FINANCE - 4000
Formula SheetFI 4000 Sec 005Exam 3Name:Call Option Payoff:If S T < XIf S T > Xpayoff = 0payoff = S T XPut Option Payoff:If S T < XIf S T > Xpayoff = X S Tpayoff = 0Hedge Ratio:H=OptionValueAtUpState OptionValueAtDownStateStock Pr iceAtUpS
Georgia State - ENGLISH - 3100
Harrell BraithwaiteHarkerAbolition debate in CompositionWhen I was trying to form an appropriate response to Connor's write on the ongoing debateover freshman composition between the reformists and the abolitionists I began by searching if thispiece
Georgia State - ENGLISH - 3100
Harrell BraithwaiteHarkerFlower and HayesAfter reading the article, The Cognition of Discovery, my feelings are the same towardfreshman composition. I did not learn much but I believe I received a B in both sections. I started myhigher education expe
Georgia State - ENGLISH - 3100
Harrell BraithwaiteMid termEng 33102. Bartons ecological conception of literacy raises the possibility that much of what makes us literate (broadly defined) occurs outside of formal schooling. Trace your own path to literacy in ashort narrative. Pay p
Georgia State - ENGLISH - 3100
Harrell BraithwaiteFree WriteHarker 3100I become so frustrated, it seems as if I long for these things but I rarely have theopportunity to see any reach fluition. I wonder as I write. I am lost to the point where it almosthurts to be as lost as I rea
Georgia State - SPEECH - 4450
Harrell Braithwaite2/22/2012Human CommunicationPlease be Aware of your Sexual Health1. Introduction: Good morning I would like to talk to you today about an epidemic withinevery community in the U.S. its not something which calls its home in the Lati
Georgia State - ENGLISH - 3500
Harrell BraithwaiteEssay on Small GroupsIn my small group experience in the course Human Communication, I felt that though wewere not necessarily attempting to achieve the aspects of effective communication; effectivecommunication occurred. This was s